To all readers, and to Joann in particular.
(A)A septic tank can be very old and still useable depending on the construction of it.
(B)The number of bathrooms added to a home is not the important facter, it is the number of people making use of them in the home on a daily basis.
(C) Where does the laundry, (gray water), empty into?
(D) Every region of the country is different. It depends on to the type soil that the the (black water),or(gray water),leaches into.
(E)The leaching field mentioned mentioned above, is most of the time, the problem when systems stop working properly.
I know a considerable ampont on this subject but not licenced.
I was involved in, soil testing, system design, installation and inspection of said subject.
I hope this small bit, helps someone, somehow.
BudDud
Treasure Coast of Fl.
Formerly of SE NH
PS/ Try not to be to quick in blaming the FHA Person until you know all the facts as to what he found when he approved the loan. Also a "Grant"
Usually does not have to be paid back.
BD