Certified Water Sampling
FHA and VA water testing for Florida loan closings.
FHA and VA loans require water quality testing on properties using private wells. PureSpec performs the certified sample collection and chain-of-custody documentation that meets federal closing standards. Test panels include coliform, E. coli, lead, and nitrates, additional parameters available on request.
What is FHA and VA water testing?
FHA and VA water testing is the certified well-water sampling required to close a federally-backed mortgage on a property served by a private well. The water is tested for total coliform bacteria, E. coli, lead, and nitrates or nitrites against EPA Safe Drinking Water Act thresholds, and the results are documented on a laboratory report the lender accepts for loan approval.
What it covers
What's included.
- On-site sample collection. A certified sample is drawn from the private well or the kitchen tap under proper collection protocol.
- Chain-of-custody documentation. The sample is sealed and tracked so the result is defensible for the lender.
- Lab analysis of the required parameters. Testing for bacteria (total coliform and E. coli), heavy metals (lead in particular), nitrates, and nitrites, measured against EPA Safe Drinking Water Act thresholds. Additional parameters available on request.
- Lender-ready written report. Results documented in the format FHA, VA, and USDA lenders accept for closing.
When you need it
Right scenarios for this service.
- FHA loan closing on a property with a private well
- VA loan closing on a property with a private well
- USDA loan closing requiring well-water verification
- Buyer due diligence on any well-water property
How an inspection actually works
Nine steps. Same scientific process, every property.
The depth of each step adapts to your situation. HVAC and borescope inspection happen when conditions warrant. Sampling is decided based on what your specific environment is asking, not a fixed checklist.
- 01
Consultation
We talk through what you’re seeing, the building, and the question you need answered. Free, no pressure, no upsell.
- 02
Visual inspection
Daniel personally walks every accessible space. No subcontractors.
- 03
Moisture mapping
Pin and pinless moisture meters identify elevated wall, floor, and substrate moisture invisible to the eye.
- 04
Thermal imaging
Infrared imaging surfaces temperature differentials that often correlate with hidden moisture or insulation gaps.
- 05
HVAC evaluation
Coil, plenum, return, and ductwork assessment. The #1 hidden vector for indoor mold in Florida buildings.
- 06
Targeted sampling
Air, surface, swab, ERMI, HERTSMI-2, mycotoxin, Pathways™, VOC, or formaldehyde, only the tests your situation warrants.
- 07
Lab analysis
Samples sent to AIHA-LAP-accredited third-party laboratories. Results returned within 24 to 72 hours of receipt.
- 08
Written report
Plain-English report with photos, lab data, moisture readings, observations, and clear next steps. Built to hold up with insurers, lenders, healthcare providers, and counsel.
- 09
Remediation protocol when warranted
If the report identifies remediation-grade mold, Daniel writes the IICRC S520-aligned remediation protocol, scope, containment, methods, and clearance criteria, that the remediation contractor works to. Florida law prohibits the same firm from inspecting and remediating, so the protocol stays independent of the work crew.
Service areas
Where we perform FHA / VA Water Testing.
15 Florida counties from Central Florida to South Florida, the Tampa Bay area, and North Florida. Click the county nearest you for local context.
Central Florida coverage