I think you've received some great answers for the financing from a lender's perspective. But, I would just add to be sure and fully disclose to your Realtor and to the buyer through your "Seller's Disclosure Statement". It would be a disappointment for everyone to have the future buyer disapprove the foundation (based on a property inspection AFTER a negotiated sales price, etc). Let the buyers know right up front what the foundation involves. I did have that experience once with a buyer being surprised by the fact that a portion of the foundation was pier and post and it didn't matter to them whether the lender would accept or not. However, not every buyer will feel the same!!! All the best....
Janeese Jackson, Principal Broker
Real Estate Resource