What will make a house not pass an inspection?

A home inspection itself does not “pass” or “fail” a property, but mortgage lenders—especially FHA, VA, and USDA loans—can deny financing for safety or structural deficiencies.

Items that commonly lead to loan denial or repair requests:

• Active roof leaks or missing shingles

• Structural movement or foundation cracking

• Damaged or unsafe electrical panels

• Active termites or wood decay

• Exposed wiring or overloaded circuits

• No functioning HVAC system

• Plumbing leaks or non-operational fixtures

• Peeling paint in homes built before 1978 (lead regulations)

A professional inspection identifies concerns early so buyers can negotiate, request repairs, or reduce closing delays.