10/22/2025
Wondering how the government shutdown affects your home-buying or selling plans? Here’s what you need to know ⬇️
✅ What’s Still Moving Forward
• Conventional loans: Still processing normally.
• FHA & VA loans: Open, but may face minor delays.
• Fannie Mae & Freddie Mac: Continuing operations as usual.
⚠️ What’s Experiencing Delays
• USDA loans: Temporarily paused — most rural buyers are affected.
• Flood insurance policies: New or renewal NFIP policies are delayed in some areas.
• IRS/SSA verifications: Slower processing may delay some closings.
💡 What This Means for You
Buyers:
🕒 Expect potential delays in underwriting or closing timelines.
💬 Stay in touch with your lender and agent for updates.
🏦 If using USDA, ask about alternative loan options.
Sellers:
📆 Be flexible with closing dates.
🤝 Communicate openly — your buyer’s financing may take longer than expected.
💬 Keep backup offers in mind if possible.
📊 Big Picture
• Short shutdown = manageable delays
• Long shutdown = broader market slowdown
• Buyer confidence may dip temporarily, but housing demand remains steady overall.
✨ Pro Tip
“Stay ready. The market always rewards those who stay informed and flexible.”
📍 At Home with Alecia
Alecia Freeman, REALTOR®
KW Allegiance | aleciafreeman.kw.com |
📞 757-745-9499
Keller Williams Realty, Inc., a franchise company, is an Equal Opportunity Employer and supports the Fair Housing Act. Each Keller Williams® office is independently owned and operated.
