Properties can also have some of their crawl spaces or basements filled in to reduce premiums. 

-Specific finish on hard wood flooring?

t=1a0de98ae97d4f3860&cmpid=fb-premium

I think there are some good people in your neck of the woods though. 

I have zero experience with it, but thought that in some cases, not just the drywall had to be replaced, but also sometimes wood studs, and even electrical.

Conventional loans have PMI, or private mortgage insurance, and FHA loans have MIP, or mortgage insurance premium.  

. - repair handrail#7 [Throughout] 302.4 Overgrown weeds or grass - All premises and exterior shall be maintain free from weeds or grass in excess of 10 inches - Cut overgrowth#8 [Throughout] 307.1 Accumulation of rubbish or garbage - Property must be clean of all rubbish or garbage - Remove all rubbish and garbage-#9 [Throughout] 305.3 Interior surfaces - Cracked or loose plaster:: decayed wood and other defective surface conditions shall be corrected. - Repair walls

Issues:- Foundation issues as I mentioned before- Downspouts are lacking extensions- The water heater is older (around 17 years) and may be past its prime- The electrical panel cover is missing some screws- There are a couple outlets not secured to the walls correctly- There are missing GFCI outlets in the kitchen and bath- There is no insulation on the water pipes- There are not smoke detectors and CO2 detectors in all areas that they should be (it's recommended to have one in each bedroom and one on each floor which includes the basement)- The attic space could use some additional insulation- There are a few corner pieces of siding missing on the exterior- The grading around the home could use some adjustment- The gate part of the fence needs to be re-adjusted for alignment- The wood on the garage needs to be re-paintedIt looks like a lot, but most everything is small (other than the foundation and grading).  

I have the house, driveway, walkways, fences, decks and roof power washed to bring the materials to a common color - while my competition has gray fences - I bring mine back to a beautiful wood finish, my drives are one consistent color, etc.  

A lot of people have wood siding and sometimes it's hard to tell if they just don't like to paint or if it's just not cared for.