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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.

Building codes for spiral staircases will vary by your location. Most local codes will specify minimum tread width, riser height, handrail requirements, and headroom. These standards help ensure safety and accessibility for all users. Always check local codes before you begin the installation to ensure compliance and avoid costly modifications or fines.

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.

Squeaky floors don’t always mean structural damage. Usually, it’s caused by friction somewhere inside your floor—whether it’s a loose floorboard or a gap between the subfloor and joists. If there is structural damage, you’ll notice other signs like soft or sagging floors, cracks that go from the wall to the ceiling, and horizontal cracks on your foundation.