How the Government Shutdown Could Affect Home Loans in Oklahoma



The current federal government shutdown may cause temporary delays in certain mortgage programs, especially those backed by federal agencies. At Oklahoma Mortgage Group, we’re focused on helping homebuyers and real estate partners understand what this means and how to stay on track toward closing.

FHA and VA Loans
These programs continue to operate, but because they rely on federal staff for certain approvals, buyers may experience longer processing times or slower response from government offices.

USDA Loans
New USDA loan commitments and guarantees are on hold until the government resumes full operations. Homebuyers using USDA financing will need to wait for agency approval before closing.

Conventional Loans
Loans through Fannie Mae and Freddie Mac are not directly impacted and continue to move forward as usual.

Flood Insurance
The National Flood Insurance Program (NFIP) cannot issue new or renewal policies during the shutdown. Buyers purchasing in a flood zone should secure a private flood policy to prevent delays.

Federal Employee Borrowers
Furloughed employees must be back to work before closing. Verification of employment is still required on all loan programs.

At Oklahoma Mortgage Group, our team continues to close loans and guide clients through these temporary challenges. If you’re planning to buy a home or have questions about how the shutdown might affect your loan, contact us today. We’ll help you understand your options and keep your home financing on track.

Click here to book a phone appointment to discuss your home loan options, or call/text 918-361-1550 to speak directly with our Tulsa mortgage team.



Location: Tulsa, OK, USA

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