This week’s Saturday Strategy is all about the federal government shutdown and what it means for your buyers and closings already in motion. Both Fannie Mae and Freddie Mac have issued guidance, and while the mortgage market is still open, there are a few key areas where we could see delays.

Here are the highlights:

✅ What’s Affected:

IRS tax transcripts (4506-Cs) for self employed clients
Social Security number verification
FEMA flood map updates
USDA Conditional Commitments
FHA case number transfers
FHA single-unit condo approvals
VOEs for government employees
Possible delays with VA Appraisals

✅ What This Means for You & Your Clients:

Possible closing delays depending on the loan type and agency involvement
Need to set clear expectations with buyers and sellers right now
Documentation and communication will be more important than ever

✅ Our Approach:

We’re actively monitoring all investor and agency updates
We’ll provide targeted updates as guidance changes
My team is working to minimize delays and keep your clients on track

Watch this week’s video for a quick breakdown of what to look out for and how I’m helping my clients and partners navigate the shutdown with as little disruption as possible.

Action Items for Realtors:

Proactively check with lenders on deals tied to USDA, FHA, VA or anything requiring IRS/SSA verification.
Prepare your buyers and sellers for the possibility of delays and longer turn times.
Stay in touch with my team—we’ll escalate file-specific questions to the right investor so you get the most accurate answer.
Share this info with your clients to build trust and show them you’re on top of market updates.

P.S. Even during the shutdown, opportunities are still out there. Let’s keep your deals moving with the right strategy and proactive communication. Text or email back me if need help with a scenario or have any other questions on the impact of the government shutdown.

Kevin
Your No Excuse Lender

Clear. Consistent. On-Time = No Excuses

Kevin Brierton
Branch Leader | Certified Mortgage Planning Specialist | CLA
(NMLS #599873)
Advisor. Educator. Lover of anything outdoors. Father of 2 beautiful kids
Kevin Brierton Team a division of Luminate Bank NMLS #1281698

Call or Text | 480.553.8770
Fax l 480.264.0300
E-Mail l Kevin@KevinBrierton.com
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​​Kevin Brierton Team a division of Luminate Bank NMLS #1281698. Corporate Headquarters 2523 S. Wayzata Blvd, Suite 200, Minneapolis, MN 55405. This advertisement does not constitute a loan approval or loan commitment. Loan Approval and/or loan commitment is subject to final underwriting review and approval. For licensing information, go to: www.nmlsconsumeraccess.org. Equal Housing Lender Member FDIC

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www.kevinbrierton.com
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ABOUT KEVIN BRIERTON
I have been in mortgage banking since 2004. During this time, I have successfully helped more than 1,650 families with more than $500 Million in residential mortgages, placing me consistently among the top in the industry. I spend the 1st Friday of every month studying all of our products, guidelines, & lending criteria.

In addition, I work closely with our underwriting & secondary markets to fully understand all our mortgage products to ensure I am able to empower more families to gain homeownership. Our team of fully trained mortgage specialists has the attitude of “how can we make this loan work” rather than just assuming it won’t. Other Lenders find problems, we find solutions, and we are excited to find a solution for you & your Family!

Copyright © 2025 Luminate Bank NMLS# 1281698. Corporate Headquarters 2523 S. Wayzata Blvd, Suite 200, Minneapolis, MN 55405. This advertisement does not constitute a loan approval or loan commitment. Loan Approval and/or loan commitment is subject to final underwriting review and approval. For licensing information, go to: www.nmlsconsumeraccess.org | Privacy Policy - https://www.luminate.bank/privacy-policy | Member FDIC | Equal Housing Lender