10/14/2025
🏠Home loans just got a lifeline during the government shutdown.
Fannie Mae and Freddie Mac — the two mortgage giants that keep the housing market running — just rolled out temporary rule changes to help buyers and lenders keep deals moving:
💡 Here’s what’s changing:
Lenders can waive or delay income and employment verification for federal workers affected by the shutdown.
Borrowers in flood zones can now close with proof of application for flood insurance, even if the policy isn’t issued yet.
IRS income verification requirements are temporarily relaxed to prevent loan delays.
Federal employees can still qualify for mortgages — even while furloughed — as long as their savings and past income are documented.
The goal? Keep home sales and loan approvals on track while parts of the government remain offline.
📊 These measures expire once federal operations fully resume — but for now, they’re helping prevent a full housing market freeze.
Would you feel confident buying a home during a government shutdown?
