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Crawl space foundation problems can stem from a few different issues, but the most common are moisture and water problems and soil instability. Moisture and water issues are often a result of poor drainage, which can lead to water intrusion and soil expansion and contraction, leaving your foundation under added stress. A few things can cause soil instability, including poor drainage, karst landscapes and resulting sinkholes, and poorly compacted soil during construction.

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.

Always hire a foundation repair contractor the moment you suspect your house doesn't have a good foundation. The longer you wait to address foundation issues, the more likely they can lead to bowing floors, cracks in walls and ceilings, sticking doors and windows, chimney and roof problems, and more. Foundation problems can also let moisture into your home, leading to water damage, mold, and mildew problems.

Yes, foundation repairs are worth it if you have a significant problem or see signs that could worsen if not dealt with. If your foundation fails, your home can lose up to 20% of its value. Protecting your home from serious structural damage and avoiding more costly repairs later is well worth the money.