Web Reference: Jul 11, 2025 · If a state is not listed below, then a wood-destroying insect inspection is not required unless specific issues are noted in the VA appraisal report. Wood-destroying insect information requirements can also be found in Chapter 12, Section 33 of the VA Lenders Handbook. Does the VA Require a Septic Inspection for a VA Loan? Your VA appraiser will perform an initial evaluation of the property's septic system during the mandatory VA appraisal process. Mar 26, 2026 · VA requires sanitary sewage disposal and a functioning system, while lenders and local rules often require septic inspections or recent service proof. If defects are found, repair and document before funding.
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