Termites live just about everywhere in New Jersey 

One week I counted and found 80% of the homes I inspected that week either had termites at one time or had active termites.  Leading me to realize that 10% of the time there is no visual sign of termites at the time of the inspection and that termites did not find the other 10% yet!

Once termites are found in a home the common reaction of a seller is usually denial a problem exists and then a gradual reluctance to consent to paying for a termite treatment.

While it is nice of a seller to treat for termites the home buyers far bigger concern should be who is going to pay to fix the damage.  

Treating a home for termites is usually no big deal.  Most treatments for subterranean termites cost $500 to $1,500.  Repair of damages can reach into the thousands or tens of thousands very quickly.

When buying a home make 100% sure the termite damages are addressed if any exist or are suspected to exist.  While you may live in a home for decades and never fix any of the termite damage one day you will sell the home and may have a buyer looking to you to pay for treatment.

Termites do more damage to structures in the USA every year than all natural disasters combined.  Therefore it is prudent for you to have annual inspections so the termites can be found and treated for quickly, before damages are done to the home.

When we find termites we started to tell buyers:
 "Wood destroying insect damage was observed to the wood structure of the home. Repairs are believed to be necessary. Please be aware additional latent damage to the structure of the home may exist that was not discovered during today's visual inspection of the accessible components. Sometimes repairs are expensive. I was not able to determine if latent damages exist, because I was not contracted to perform invasive or destructive testing (such as opening of walls or ceilings, lifting of carpets or area rugs or ceiling tiles or insulation, moving of furniture or appliances or stored items or debris), or excavation. In order to determine if latent damages exist, it is necessary to have invasive and destructive testing and further evaluation by experienced contractors and specialists (prior to expiration of your inspection contingency period) to define the scope & cost of any necessary corrective action. Homeowner's loath the idea of invasive and destructive testing because it is costly, messy and it can expose latent damages that can be expensive to repair. Obtain written documentation from an expert to determine the extent of wood destroying insect damage that has occurred. Obtain a treatment and repair history from the owner."

Realtors and home owners hate the above comment but we do not work for them, we work for home buyers.  Home buyers have a different set of concerns than realtors and home owners do.  Professional and independent home inspectors are out there to protect your interests as a home buyer and only your interests.  If the home inspector seems to friendly to the realtor and or home owner you should think about who is working for who?