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Yes. Water can penetrate through a concrete foundation wall. This can happen whether or not you have cracks, as concrete is a porous material. You’ll want to take steps to waterproof your basement or crawl space.

It depends on the bank and the extent of the issue. Some banks will lend against homes with minor foundation damage, but most won’t if the issue is structural since the home acts as collateral for the mortgage. Banks that offer renovation loans might still finance a home with structural problems. More minor issues like settling cracks and intermittent problems with humidity are unlikely to stop a bank from financing.

If your foundation isn’t properly square, there’s a chance that anything you built before detecting the issue may need to be torn down. A major miscalculation could leave some walls of your home unsupported. 

Not all cracks in brick indicate foundation problems. For instance, small hairline cracks can occur as a new construction settles. However, larger cracks are often a sign of a more severe issue. Indicators of a potential foundation problem include long horizontal cracks, "stair-step" cracks, vertical cracks that appear indoors, or any crack that widens at the top. Other signs of structural damage to look for are uneven floors and doors or windows that stick. These issues could be caused by problems with the soil beneath the home or an overgrown tree.