Mold on panel boards? getting fha approval?

i am buying a home that is 43 years old. it has paneling in the basement and the FHA appraiser noted concern about mold on those boards which had visible backing (a closet). i pulled down a few of the panels tonight and there is no mold on the cement wall behind the panels, it's all on the panels. Even where... show more i am buying a home that is 43 years old. it has paneling in the basement and the FHA appraiser noted concern about mold on those boards which had visible backing (a closet). i pulled down a few of the panels tonight and there is no mold on the cement wall behind the panels, it's all on the panels. Even where the stairs meet the panels there is mold on the panels but nothing on the drywall.

is this common? can i question the appraisers findings when it comes to this and an FHA mortgage? the basement is not deemed livable space according to the FHA guidelines, so does basement mold even count?
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