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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.

Yes, you can fill cracks in concrete if you’re a somewhat handy homeowner. It’s important to know which concrete patching method to use, as small cracks require different approaches than large ones. It might seem challenging to determine which product to use and the tools necessary for the project, but with a bit of background, homeowners can restore their cracked concrete easily.

If your building department catches you or a contractor doing foundation work without proper permits, they will likely put the work on hold until you secure the necessary permits, which can cause delays of days or even weeks. You can also face violation charges for construction without a permit, which can cost hundreds, depending on where you live.

Yes, thicker concrete is less likely to crack. The thicker the concrete is, the less susceptible it is to extreme changes in weather conditions that often cause concrete to crack or chip. If you’re unable to install a thicker concrete driveway for any reason, you can also ask your professional to install more rebar or wire mesh to provide greater strength and better resilience to damage.