We recently had our house appraised for an FHA loan. I was a little mad at the banker when I found out it was an FHA loan he was trying to get for us, because our credit is better then that, and it just did not make sense on a 100 year old house. The one thing I am in disagreement with on the bank is about our sidewalk. they said it needs replaced before we can close. Now everything I can find indicates that the FHA no longer requires sidewalks to be replaced. It is not perfect, but it is better then a lot in town. There is no missing chunks, just some cracks and raised areas here and there. Am I stuck replacing it if I want the loan, or is there some FHA official information I can send my banker that states that the FHA does not require sidewalks to be replaced? Or do I just count my appraisal fee is a lesson and banks, and look for a different bank and specify no FHA.