If you’ve been keeping an eye on the news, you’ve probably heard about the government shutdown — and yes, it’s starting to ripple into the housing world. But before you panic or hit pause on your home search, here’s what’s actually happening and what you can still do.

Which Loans Are Affected

The biggest impact right now is on USDA and FHA loans, since both are backed by government agencies that are partially closed during the shutdown.

• USDA loans (which are great for buyers in rural areas with 0% down) are temporarily delayed because the USDA offices that issue final approvals are closed.

• FHA loans are still being processed, but things may move slower as staffing and verification systems are limited.

• VA loans (for veterans and active-duty service members) are still being funded, though there could be minor delays depending on the lender.

• Conventional loans are not affected, since they’re not tied to government operations.

What This Means for Buyers

Even with the delays, buyers are still getting under contract and lenders are moving forward as much as they can. The good news — most steps like credit checks, appraisals, and inspections are still happening on schedule. It’s just the final sign-off that can take longer for USDA and FHA loans.

If you’re using one of these programs, your lender and real estate agent (👋 that’s me) are keeping an eye on every step to keep things moving the moment government systems reopen.

Why We’re Staying Optimistic

Most shutdowns don’t last long, and lenders have seen this before — they know how to keep things on track. We’re encouraging buyers not to lose momentum or give up on great opportunities just because of a temporary delay.

Buying a home is still very possible right now — it just takes a little patience and teamwork between your lender, agent, and title company.

The Bottom Line

If you’re using a USDA, FHA, or VA loan, things might take a little longer right now, but you’re not stuck. We’re still seeing buyers close deals every week, and the market in Eugene continues to move.

If you’ve been thinking about buying and want to understand how the current situation could affect your financing, let’s chat. I can connect you with a lender who’s staying proactive through the shutdown and help you make a smart plan for when things open back up.