Does a government shutdown stop VA loans from closing?
Most VA loans still close, but delays are possible if verifications or paperwork back up. The bigger issue is buyer hesitation.

A government shutdown does not stop VA, FHA, or USDA loans. Buyers in Niceville, Shalimar, and Fort Walton Beach can still close, but expect delays. The biggest holdups are usually flood insurance approvals, IRS income verification, and slower VA/FHA processing times. Sellers should price correctly, stay flexible with timelines, and work with an agent who knows how to navigate the hiccups so equity isn’t lost.