pest inspection buying first house

First Time Home Buyer

Buying Your First House: The Importance of a Pest Inspection

If you’re going through the process of buying your first house, your real estate agent may have brought up the topic of a pest inspection. But you’ve already a lot of money and you’re eager to move. Now, you’re wondering, is a pest inspection really worth the trouble?

Of course, no one wants to move into a home that’s infested with insects or rodents. But you’ve already seen the home in person and it doesn’t appear to be infested. Should you order the pest inspection anyway? 

Here’s what you need to know.


Why You Shouldn’t Skip the Pest Inspection

Some lenders require pest inspections, but others leave it up to the borrower’s discretion. The type of loan you get also matters as pest inspections are required for VA loans in most states. For FHA loans, a pest inspection may be required if the appraiser suspects an issue.

But what if you have a conventional loan and your lender doesn’t require you to get one? Should you proceed with the pest inspection anyway?

In short, if you don’t get one, it could cost you. Here’s why you shouldn’t skip the pest inspection:


  • Undetected damage: Some pests, like termites, can cause significant structural damage that is not visible to the untrained eye. By the time you notice any signs of infestation, the repair costs could be substantial. A pest inspection can identify these issues early on before they get out of hand.
  • Negotiating power: Discovering a pest problem before purchasing a property gives you leverage in negotiating the sale price. You can request for the seller to either treat the problem or lower the selling price accordingly.
  • Peace of mind: Knowing that your future home is free from pests and the damage they can cause provides peace of mind. It gives you assurance that you’re making a sound investment in a property that won’t bring unforeseen troubles shortly after purchase.
  • Cost-effective: The cost of a pest inspection is relatively low compared to the expense of pest eradication or repairing structural damage, especially for severe infestations. In the long run, it’s a cost-effective decision.
  • Health and safety: Some pests can pose health risks to you and your family. For example, rodents can carry diseases, and some insects, like certain types of ants and spiders, can be dangerous. Identifying and eliminating these pests before moving in is crucial for your safety.
  • Insurance: Homeowners’ insurance typically does not cover damage caused by pests, such as termites. Without an inspection, you might be unaware of existing damage, which could lead to significant out-of-pocket repair costs.
  • Prevent future infestations: Even if the inspection does not uncover current infestations, it can provide insights into potential problems and preventative measures. This information can help you maintain your property and avoid pest issues down the line.


Chat with an Expert

If you have questions about pest inspections or buying your first house in general, please do not hesitate to reach out. One of our expert team members will be more than happy to assist you