Well Test Procedures For FHA, VA, and USDA Mortgage Approval (Demo)

Home buyers that are purchasing a home that relies on a well for its water supply need to know upfront that FHA, VA, or USDA financing require a certified Well Test with a “pass” rating in order to close the transaction.  A well test is a simple third party lab analysis of the water that is being produce from the well system.  In today’s market with the rise in short sales and foreclosures, wells can often go days and months without regular use causing an increased risk for bacteria and other potentially harmful micro-organisms to surface.  For that reason alone, I recommend that even if a buyer is paying cash for the home, getting a certified Well Test is a great choice.   

In my most recent experience, this process is often getting put off until the last minute causing a delay in the closing date.  Conducting a well test is a simple, 2-3 day process that is relatively inexpensive ($25-$50) and easy to complete (directions for collecting an accurate water sample are enclosed in the link provided below).   I have put together a brief, step-by-step process for real estate agents and their borrowers to follow in getting the well tested and returned back to my underwriter for a smooth and quick funding! 

It is important to note that in most cases, the seller initiates the septic inspection but the well test is usually the responsibility of the buyer’s agent and the borrowers.The attached directions is for requesting a Certified Well Test in Snohomish County.  If you are an real estate agent or home buyer that is purchasing a home outside of Snohomish County, please contact me and I will be happy to help you locate a certified well testing facility in your area.  I can always be reached directly at (425) 350-7136 or at dan.mortgageadvisor@gmail.com

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