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In many areas, advice from a structural engineer or an architect will be required by your building department before you can remove a wall, but even if it’s not necessary, it’s a good idea. Accidentally removing a load-bearing wall—even if a general contractor advises that it’s safe—can cause major structural damage, putting you and your family at risk and potentially costing thousands or tens of thousands of dollars in property damage.

Yes, you can put a doorway in a structural wall; in fact, most exterior doors are set into structural walls. The project is a little more challenging than installing a door in a non-load-bearing wall because you need a structural engineer to assess the wall and make sure it’s safe to create a wall opening. Your engineer’s report will include instructions for your contractor on how and where to install additional supports, like steel headers above the door, to distribute the weight above to the wall on either side of the door.

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.

The depth of any foundation style depends on your climate and how deep the frost line is, as building code requires that the footers of a foundation—which are built into a monolithic slab—sit at least a foot below the frost line. At the southern tip of Florida, for example, a monolithic slab foundation would only need to sit 12 inches under the soil at the widest parts. On some parts of the Canadian border, the frost line is 100 inches, which would mean a minimum of 112 inches, which is prohibitively deep for a monolithic slab.