Termites are more prevalent in some places than others. More than 30 states require a pest inspection before a home loan closes. They're discretionary in others, although there's a handful of states where individual counties mandate an inspection. As of June 2022, the VA recognized the growing prevalence of termite infestations. VA loans now require a termite pest inspection for homes located in areas where the probability of infestation is considered "Moderate to Heavy" or "Very Heavy."