A federal shutdown slows certain mortgage steps—mainly FHA/VA/USDA and IRS transcript checks, but it doesn’t stop Atlanta real estate. Here’s what’s actually impacted and how buyers/sellers can keep momentum.

KEY IMPACTS

• Government-backed loans: expect delays where human review is needed.

• Conventional loans: mostly continue with fewer bottlenecks.

• Rates: recently eased, but affordability is still ruled by prices, debt, and living costs.

• ATL wrinkle: near creeks/Chattahoochee tributaries, handle flood certs/insurance early.

BUYER MOVES (METRO ATL)

• Get fully underwritten and lock your rate; keep your lender updated on job/assets/gifts.

• Ask if your file needs IRS transcripts; add buffer days.

• Using FHA/VA/USDA? Request a shutdown-specific timeline with Plan B steps. ...