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.

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Monkey See, Monkey Do: Why Following the troop (I looked that up) When Choosing a Realtor Gets Expensive

Research shows two-thirds of daily decisions aren’t really decisions at all, they’re habits on autopilot. Sellers often pick agents the same way: defaulting to what neighbors did, who’s on the first yard sign they see, or the name they’ve heard repeated. That habit-based choice can cost tens of thousands in unnecessary commissions.

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