the company said. Mr. Ghosn said: "The appointment of Carlos Tavares is a first step in strengthening Renault's management." The appointment followed the resignation in April of Chief Operating Officer Patrick Pelata, who took responsibility for a debacle in which the company was misled into firing three executives--including a member of its management committee. It accused them of selling proprietary information outside the company, but eventually exonerated and compensated them. Police are now investigating a plot to defraud the company by members of the auto maker's internal security service, three of whom have been fired. The incident badly damaged staff morale, and Mr. Pelata's departure left a large gap in senior management, as he had been effectively running Renault's day-to-day operations since the 2008 financial crisis. Renault also faces business challenges. Renault-branded cars have struggled against the brands of French rival PSA Peugeot Citroen. Sales have risen strongly for Renault's low-cost brand Dacia, but these are mostly made in Romania, leading to complaints from the French government that Mr. Ghosn is shifting production out of France. Mr. Tavares arrand various multimedia functions to create an easy and enjoyable news experience for users. "It's very easy to navigate, very visual and very easy to read," Jeremy Steinberg, Fox News VP of Digital Media Ad Sales and Business Development told Mashable. The Fox News app features a Happening Now section, where users can read the day's top stories, along with the Fox News Ticker, which can send the latest headlines straight to users' desktport the physical conditions that are readily observable. Some property features will make it more difficult for you to obtain financing.Lot size. The size of your lot can be an issue for mortgage lenders. If your neighbors all have one-acre lots and yours is 20 acres, mortgage lenders may be leery. They want to finance houses, not ranches. That goes double if your land has several outbuildings on it.Private roads. These require road maintenance agreements and often liability insurance too. If your home is in a development with a homeowner's association, the association usually covers this. In other cases, appraisers may note repairs needed to establish and/or maintain the marketability of the property (to protect the lender's collateral), safeguard the health and safety of the homeowners and protect the security of the property.Conditions such as the following could mean the home has failed the test and will probably need to be addressed before your loan can close:Lack of utilities. Mortgage lenders generally require that properties be connected to public power, water and sewer whenever possible. In addition:Existing wells must be tested for lead, nitrate (as nitrogen), nitrite (as nitrogen), total coliforms, fecal coliforms or E. coli. In addition, the appraiser or inspector may do a pump test. Existing wells must pump three to five gallons per minute and new wells must pump five gallons per minute.Septic tanks must be 50 feet from wells, 100 feet from the drain field and 10 feet from the property line. A septic certification may be required, which would require a pump-out and inspection. If the system cannot be inspected--for example, if it is beneath 10 feet of snow--the buyer must acknowledge that in writing and indemnify the mortgage lender. Illegal improvements. Illegal improvements, such as outbuildings and home add-ons that were constructed without permits, generally are allowed, but the appraiser is required to note their illegality and adjust the property value accordingly.If you run into these or similar issues with the property you are considering, usually your purchase agreement will specify how much the seller can be forced to pay for needed repairs. If your mortgage lender requires more, you and the seller can renegotiate--or cancel the deal.FHA mortgages even tougher FHA loans come with strict property guidelines and require more detailed appraisals.For example, the Federal Housing Administration requires that if the property was built before 1978, the seller must disclose known information on lead-based paint and lead-based paint hazards when selling the house. The FHA will not approve a mortgage in su