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Back to Business: What the U.S. Government Re Opening Means for Your Closing

  • Writer: AMERICAN TITLE
    AMERICAN TITLE
  • Nov 15, 2025
  • 2 min read
1031 exchange

After weeks of uncertainty, the US Government Re Opening brings long-awaited relief to homebuyers, sellers, and real estate professionals across the country. With federal systems and housing programs now back online, the real estate market can finally move forward again.


At American Title Trust, we understand how the shutdown affected timelines, verifications, and confidence. Now that the US Government Re Opening has restored access to key systems such as FHA, VA, and USDA loan processing, IRS transcript verification, and federal flood insurance, our team is helping clients pick up right where they left off with clarity, compliance, and care.


What the Shutdown Delayed

During the government shutdown, several key processes that affect real estate transactions were temporarily paused:

  • FHA, VA, and USDA loan approvals were delayed.

  • IRS transcript (4506-C) requests couldn’t be processed.

  • Flood insurance policies (NFIP) were placed on hold in some areas.

  • Verification systems and recordings slowed, affecting lender clearances and closings.


These interruptions caused some transactions to pause, but the good news is — everything is back up and running.


Now That We’re Open, What You Should Do Next


For Buyers


  • Reconfirm your loan approval and interest rate lock.


  • Ensure your IRS or federal loan documentation is updated.


  • Verify your title search, lien search, and insurance binders are current.


  • Review your closing timeline and coordinate a new date if needed.


For Sellers


  • Revalidate your mortgage payoff, estoppel, and utility balances.


  • Make sure all permits and liens have been cleared.


  • Confirm your disbursement instructions are accurate and secure.


  • Review and re-sign any expired documents from the shutdown period.


For Realtors & Lenders


  • Reconnect with your title partners to review all pending transactions.


  • Verify your commission authorizations or disbursement forms are up to date.


  • Communicate new timelines and coordinate scheduling with buyers and sellers.


American Title Trust’s Shutdown Relief Checklist


We’ve created a dedicated Shutdown Relief Checklist and Free Personalized Closing Timeline to help you get back on track:


Shutdown Relief Checklist, ensures no expired reports or overlooked items delay your closing.


Personalized Closing Timeline recalculates your key dates and helps all parties stay aligned.


Let our team handle the details so you can close with confidence, whether your file was paused, pending, or just beginning.


💜 Ready to Resume Your Closing?

We’re here to help you move forward

888-848-5320


American Title Trust, Creating Memorable Closing Experiences, One Home at a Time.





 
 
 

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