U.S. Government Shutdown: What you need to know! As you know, the U.S. federal government is now in a shutdown. This may impact certain housing programs, financing, and insurance processes. It’s important that we stay informed, keep our clients updated, and remain steady in our role as their trusted professionals. Key Impacts to Watch For: • Flood Insurance (NFIP): New policies and renewals may be suspended if NFIP funding lapses. For clients in flood zones, this could delay closings. Encourage them to renew early or explore private flood insurance options. • USDA / Rural Development Financing: These programs are likely to pause new loan guarantees or commitments until the shutdown is resolved. Have backup options ready with lender partners. • VA Loans: VA will continue guaranteeing loans, but certificates of eligibility (COEs), appraisals, and processing may slow due to reduced staff. • FHA / HUD: FHA will continue operating, but new multifamily commitments and some HUD programs could be delayed. • IRS / Tax Transcripts: Lenders may face delays obtaining IRS transcripts or verifications, which could slow loan approvals. Action Steps for Agents: • Communicate early and often with lenders to understand current turnaround times. • Set client expectations for possible delays and help them explore backup options if needed. • Encourage clients in flood zones to secure or renew insurance as soon as possible. • Remain flexible with timelines and build in buffer time where possible. • Stay alert for updates — we’ll continue sharing new information as it becomes available.

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