Yeah, the spouse signature thing threw me for a loop too. My wife joked she was signing away her soul with all those papers. As for inspections, I swear every lender has their own “must-have” list. Ours wanted a termite report too, and we’re not even in a high-risk area. Sometimes I wonder if they just spin a wheel to decide what’s required... Anyone else get hit with random extra forms at the last minute?
Title: Does a VA loan require an inspection? What are the VA loan inspection requirements for buyers and spouses?
Sometimes I wonder if they just spin a wheel to decide what’s required...
That’s honestly how it feels sometimes. The termite report thing is interesting—technically, VA loans do require a wood-destroying pest inspection in most states, but I’ve seen lenders ask for it even when it’s not strictly necessary. Did anyone have to deal with extra disclosures about flood zones or lead paint at the last minute? I’ve noticed those pop up unexpectedly, especially with older homes. Makes me wonder if there’s any real consistency between lenders or if it’s just down to whoever’s processing your file that day.