If the foundation of a house has experienced abnormal differential settlement that is adversely affecting the performance of the structure, the HUD agency will not guarantee a loan for the property unless it has been repaired in accordance with a design developed by a qualified Professional Engineer who will oversee the implementation of the repair. If there are small cracks in the concrete slab that are not adversely affecting the building's structural performance and there is no evidence of abnormal conditions that could result in additional differential settlement of a particular building's foundation, the HUD agency will guarantee a loan with an acceptable engineering report. See description of cracked slabs above.