You can have mold even if your house is one day old. Under the right conditions for mold to grow, it can manifest itself within 24 hours or the wood used to construct the home may have already been contaminated with mold.
It is much better to know what kind of mold you are dealing with, but if you want to remediate it without the testing, we can treat the mold as if it were the most toxic species. (This would be accomplished after we know more information about your particular situation.)
A. Cladosporium, Aspergillus, Penicillium, and Alternaria which are all all are considered toxic. Stachybotrys, Fusarium, Trichoderma (also considered toxic), produce mycotoxins that are easily absorbed into skin, intestinal lining, airways and lungs. Other toxic molds include Coccidioides, Blastomyces, Histoplasma, and Memnoniella.
Mushrooms are a fungus, like mold and mildew. Some mushrooms are poisonous to humans. Some are used as psychedelic drugs. Some are eaten as a delicacy. And some are used for their healing properties. There is a large variety of molds and mildews as well.