The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

est inspector examining a wooden beam in a crawlspace with a flashlight and clipboard, checking for termite damage.

VA Loans and the Clear Pest Report Requirement: What Buyers Need to Know

By Scott Sheldon / August 14, 2025

If you’re a homebuyer using a VA loan to finance your property, there’s a unique requirement that can easily trip up your transaction: the VA loan clear pest report. Unlike conventional loans or even FHA loans in some cases, VA loans have strict pest inspection guidelines—and not understanding them can delay or even jeopardize your…

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