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Cell: (425) 422-2267
Cell: (425) 422-2267 Email (425) 422-2267
Jack Swaisgood
REALTOR®, ABR, CRS, GRI, SRES
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How a Government Shutdown May Affect Home Loans
A potential government shutdown could create delays and disruptions in certain types of mortgage loans and insurance. Here’s what you and your clients need to know:
What’s Not Affected
  • Conventional Loans
    Handled by private lenders. These should continue with little to no impact.
What Could Be Delayed
  • FHA & VA Loans
    These programs will keep running, but could face slower processing due to limited federal staffing.
  • USDA Loans
    Most at risk. New direct and guaranteed loans may stop during a shutdown. Even scheduled closings could be postponed.
What to Watch Closely
  • Flood Insurance (NFIP)
    FEMA may suspend issuing or renewing policies. If a buyer needs flood coverage to close, this could cause major delays. 
  • Fannie Mae & Freddie Mac Loans
    They continue operating but rely on federal services (like IRS tax transcripts). If those are paused, loan files can get stuck.
Key Takeaways for Brokers
  1. Conventional loans = low risk.
  2. FHA & VA = expect slower approvals.
  3. USDA = possible halt; check closing timelines.
  4. Flood insurance = closings in flood zones could stall.
  5. Communicate early with clients whose loans depend on federal programs.
Jack Swaisgood
Jack Swaisgood Office: (425) 422-2267 Cell: (425) 422-2267 Jack's Cell: (425) 422-2267 Voice Mail: (425) 422-2267 Email Me
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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 04/17/2026. The listing information on this page last changed on 04/17/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of NWMLS (last updated Fri 04/17/2026 1:23:39 AM EST) or (last updated Fri 04/17/2026 1:36:15 AM EST). Real estate listings held by brokerage firms other than Delta Agent Sites may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.

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