Government Shutdown & VA Loans: What Sellers Should Know in Niceville, Shalimar, and Fort Walton Beach

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.