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There are some neighborhoods that will have issues. I know that Loveland has a couple and my last house in Ft. Collins was in one. My current neighborhood in Loveland has no soil issues.
You could just be unlucky that you are 2 for 2 and have unfortunately selected two homes by the same builder in the same neighborhood that has issues. My last house was built on bentonite and I only had issues with the garage floor and basement floor. I had no cracks in the foundation walls or interior walls and ceilings. I know there were a couple of other homes in the neighborhood that had structural problems. If the builder didn't take steps to address the expansive soils, then the house will have problems.
Houses built on bentonite need to be on caissons. Some builders will overdig the foundation and back fill with non-expansive soils. French draining helps as well as a sump pump. Driveways, sidewalks, garage floors, and basement floors should be caulked so that water cannot get under the cement slabs and into the soil. The dirt around the foundation should be sloped away from the foundation, and technically, no plantings should be within 3'-5' of the foundation. Basement walls should be erected to float, allowing a floor to move up or down without damaging the walls.
I'm guessing that not every single house in that particular neighborhood has or has had problems. There are lots of houses out there that don't have structural issues. For now, maybe you should look in another neighborhood. There has to be other neighborhoods that have similar style homes and amenities that are appealing to you.
Best of luck.
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