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Government Shutdown - Week 2
 
The Federal Government shutdown in now entering Week 2 with no end in sight.  At Prospect Mortgage, we are prepared and have taken every possible step to minimize the impact to our Borrowers and Real Estate Agent partners. We will continue to originate, process, and close all loans.
 
Depending on how long the closure lasts, loan approvals, and subsequent closings for some Borrowers could be delayed if the government agencies and websites that all mortgage companies rely on also remain shut down.  This shutdown will prevent the collection of some loan conditions, such as tax transcripts, verification of employment for military personnel and Social Security number verifications.
 
Prospect Mortgage will continue to make forward progress on all loans by collecting conditions that remain available to us during the shutdown, and we will collect all others when the Government reopens. This will let us close as quickly as possible once this occurs.
 
USDA loans are currently the most impacted.  This is because the USDA staff which approves those mortgages is currently impacted by the shutdown.
 
Once the shutdown is over, we can expect longer turn times for tax transcripts and USDA loans approvals until the backlog ... more

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