Shutdown & Your Mortgage: What Stops, What Slows, What Still Closes

Most shutdowns don’t halt the entire mortgage market—but they can delay key verifications and derail timelines. Tim Lucas and Craig Berry explain what actually pauses, what keeps moving, and how to keep your loan on track.In this episode you’ll learn:What pauses vs. proceeds: IRS 4506-T transcripts, some SSA checks, and new NFIP flood policies pause; private flood and most lender operations continue.Loan-by-loan cheat sheet: Conventional = slows (verifications, flood docs). FHA = core loans can close; reverse/Title I/condo approvals disrupted. VA = insuring continues; DD-214 requests may lag. USDA = new approvals/closings often pause until reopening.Furloughed federal workers: Why most lenders require you back to active status before funding (last-minute VOE).How to protect your deal: Pad timelines and locks, line up private flood if needed, ask about alternative docs, and keep all parties synced to secure extensions.After reopening: Expect backlogs—plan movers, rate locks, and lease-backs with slack.Read the full guide:https://www.mortgageresearch.com/articles/government-shutdown-mortgages/