USDA and VA Loan Requirements: The Importance of NPMA-33 Forms for WDO Inspections

When purchasing a home with a USDA or VA loan, specific requirements must be met to secure the financing. One critical component of these loans is the Wood Destroying Organism (WDO) inspection, documented using the NPMA-33 form. But what is a WDO inspection, and why is it essential for USDA and VA loans?

What is a WDO Inspection?

A WDO inspection focuses on identifying the presence or evidence of wood-destroying organisms like termites, carpenter ants, wood-boring beetles, and fungi. These pests can cause significant structural damage to a property, making it crucial to detect and address any issues before finalizing a home purchase.

The NPMA-33 Form

The NPMA-33 form is a standardized document used by licensed pest control professionals to report the findings of a WDO inspection. This form includes details about the presence of pests, any damage found, and recommendations for treatment or repairs if necessary. It is a critical component for USDA and VA loans, as lenders require a clear report to ensure the property is free from infestations that could affect its value or safety.

Why WDO Inspections Matter for USDA and VA Loans

Both USDA and VA loans aim to help buyers secure safe and sound properties. A WDO inspection ensures that the home is not compromised by wood-destroying organisms, protecting the buyer's investment and ensuring the lender's interests are safeguarded. Addressing any WDO issues before closing on a property is crucial to meet the loan requirements and avoid costly repairs down the line.

Conclusion

For those seeking USDA or VA loans, a WDO inspection documented with an NPMA-33 form is a necessary step in the home-buying process. It ensures that the property is free from wood-destroying pests and meets the stringent standards set by these loan programs. At His & Hers Inspections, we provide thorough WDO inspections, helping our clients navigate the loan process with confidence and peace of mind.