Eastern subterranean termites are widespread in southeastern Massachusetts. VA loans require WDI inspections — and active infestation blocks funding entirely. Here's what you need to know.
Massachusetts requires disclosure of known material defects under MGL Chapter 93A. Active termite infestation, past infestations, and known structural damage from termites are all material defects. Disclose what you know, then sell as-is to a cash buyer who accepts the disclosed condition without requiring treatment or repairs.
| Situation | VA Loan | FHA | Cash Buyer |
|---|---|---|---|
| Active infestation — no structural damage | VA requires WDI; active infestation blocks funding until treated + certified | FHA appraiser flags; treatment required before funding | Purchases as-is; no WDI or treatment required |
| Active infestation — with structural damage (sill, joists) | VA: treat + repair structural damage before closing | FHA: treat + structural repair required if safety concern | Buys with active infestation and structural damage as-is |
| Past infestation — treated, damage not repaired | VA: may require structural repair if damage affects safety | FHA: appraiser judgment; may require repair if safety hazard | Accepts past damage with no repair requirement |
| Past infestation — treated and structurally repaired | VA: typically acceptable; WDI shows clear | FHA: typically acceptable if no active infestation present | Fully acceptable — cleanest scenario for all buyers |
| Concealed/unknown — discovered at buyer inspection | Deal falls apart; seller may have MGL Ch. 93A liability | Deal falls apart; seller has disclosure liability | Cash buyer assesses and may renegotiate, or closes as-is |
Active infestation, structural damage — no WDI required. Cash offer in 24 hours.
Call (401) 396-7427Get Cash Offer →Yes — MGL Ch. 93A requires disclosure of all known material defects. Active infestation, past infestations, and known structural damage from termites are material defects that must be disclosed. Concealment risks treble damages plus attorney fees.
VA loans require WDI inspection in Massachusetts — VA mandates it across all New England states. Active infestation blocks VA funding until treatment is certified. FHA does not always require WDI but appraisers flag visible damage and active infestation. Cash buyers close with no WDI inspection required.