Spray foam insulation mortgage problems are a real concern. But the headline often combines two very different questions:
Did a particular insulation or roof condition create a problem in a specific property transaction?
Is spray foam itself banned by US mortgage lenders?
Those are not the same question.
The careful answer is this: the reviewed US secondary-market and property-condition sources do not establish a blanket, nationwide rule that ordinary spray polyurethane foam automatically makes a home unfinanceable. That does not mean every home with spray foam will sail through every sale, refinance, appraisal, insurance review, or lender overlay.