That being said it is unlikely that they will pay for a mold inspection especially if there is only a 6 sq inch spot of green mold. I would suggest obtaining a mold inspection and requesting a credit for the cost of the inspection and remediation as well as the replacement of the carpet.
If you really like the house, pay for the mold inspection. If there are no repairs or very little needed in the way of repairs and you really like the house bite the bullet and take care of the problem. If the cost to cure the problem is more than you are comfortable paying then ask the bank to pay for it, the worst thing they can do is say no.
I had a similar situation with my seller, however my seller is an individual. It is unlikely the bank will do anything about the mold. Most of the time in their addendums there are mold and lead disclosures stating they are selling the home as-is. If the escrow had been opened you may havef had a better chance to get an inspection and/or repairs. However, my partner had a situation where the bank just cancelled the escrow and put the home back on the market and offered it to cash buyers only since a lender would require this to be repaired prior to funding the loan.
In this market, I would recommend to my buyers to just walk away only if the seller doesnt agree to make the repairs. Since the property has been in this condition for a couple of weeks now, you should get an air quality test too. Good luck and remember there are thousands of homes for sale, 4,061 to be exact and 891 of those are in Hesperia!
Claudia D. Morales, ABR
Century 21 Fairway Realty - Victorville