VA Home Loan – Who Pays for the WDO in Florida

Understanding the wdo inspection. july 4, 2016. lenders such as FHA and VA direct appraisers to report any evidence of water damage or wood rot as WDO. I might add, any appraiser who reports the presence of a Wood Destroying Organism is in violation of Florida law as the law requires the.

Buyer pays for inspection, seller pays for termite inspection. The inspector could find items that require repairs to be made to qualify for the VA loan. They will have to be made for the loan to close. These are usually paid for by the seller but I have seen a few where the buyer wanted the home so badly they paid for it. This is not recommended.

The St. Petersburg Regional Loan Center (RLC) is one of eight VA regional loan centers (RLCs) administering VA’s Home Loan Guaranty program, which helps Veterans obtain mortgage loans from private lenders by guaranteeing a portion of the loan against loss. In administering VA Home Loan Guaranty benefits, the RLC is the direct contact for the lending, appraising, and building communities and for Veterans with questions or concerns about their home loan benefit.

The VA notice of value for every "energy rated home" with a value adjustment for a "Five Star" or "Five Star+" rating must state, "Lender to provide evidence of Five Star or Five Star+ energy rating." Property located in either a Red or Blue avalanche zone is not eligible to be the security for a VA-guaranteed loan.

St. Petersburg, FL Regional VA Loan Center According to the website for the St. Petersburg Regional Office, they handle roughly $18.4 billion in guaranteed home loans and serve 2.3 million veterans in.

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Negotiation between VA loan homebuyers and sellers dictates who pays how much of the closing costs. There is no VA maximum concerning how much sellers can cover in terms of loan-related closing costs, so buyers can ask home sellers to pay for everything. In addition, sellers can pay up to 4 percent of the loan amount in concessions.

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