Niceville, Shalimar, and Fort Walton Beach, FL - With talk of a government shutdown making headlines, many Gulf Coast homeowners are asking one urgent question: Will VA and FHA buyers still be able to close on my home?
The answer, according to Uber Realty, is clear: yes — but with patience required.
“VA loans don’t stop during a shutdown,” says Jim Whatley, Broker/Owner of Uber Realty. “They keep moving. The slowdown happens in the supporting services: flood insurance approvals, IRS verifications, and back-office paperwork. Sellers shouldn’t panic, but they do need to plan for a little more time.”
Uber Realty is issuing this guidance specifically for home sellers in Niceville, Shalimar, and Fort Walton Beach, where a large share of buyers are military families using VA financing. Sellers in communities like Bluewater Bay, Shalimar Pointe, Magnolia Woods, and Kenwood are especially likely to encounter VA-backed offers.
The Real Risk: Lost Equity, Not Lost Loans
A government shutdown doesn’t cancel loans — but it can stretch a 30-day closing to 45 or 60. For sellers, the danger isn’t the loan falling apart; it’s the added holding costs, buyer frustration, and temptation to slash the price out of fear.
“Don’t let D.C. politics eat into your equity,” Whatley warns. “The key is pricing correctly from day one, staying flexible on timelines, and working with an agent who understands how to guide VA and FHA buyers through shutdown delays.”
Uber Realty: The Ultimate Choice in Commission
In addition to offering market expertise, Uber Realty provides what it calls “the ultimate choice” in commissions:
* 1% Listing Fee (Full Service): Sellers keep more of their equity while getting the same MLS exposure, marketing, and negotiation support as traditional agents.
* Flexible Commission Options: If the seller pays a buyer’s agent, Uber Realty negotiates toward 2% for a total target of 3%. If the buyer is unrepresented or pays their own agent, the seller pays just 1% total.
“Traditional brokerages often charge 5–6%,” Whatley explains. “In this market, that’s $10,000–$20,000 in equity sellers don’t need to give away. At Uber Realty, we protect that equity because it matters.”
For full details on Uber Realty’s home-selling approach, visit https://www.uberrealty.com/selling-your-home .
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