🏦 Fannie Mae’s 2025 Reserve Rule Amid Government Shutdown: What Homebuyers Should Know

October 8, 2025

The 2025 government shutdown is creating uncertainty for homebuyers, and Fannie Mae just released new reserve rules that could change the game. If the shutdown continues past November 3, lenders must verify two months of mortgage reserves or meet minimum requirements under Fannie Mae guidelines.For borrowers, this means having more savings ready, while lenders face challenges processing approvals. Delays could affect loan timelines and even influence the housing market.From Fannie Mae policies to Trump-era housing directives, federal workers and homebuyers alike are navigating a complex landscape. Understanding Fannie Mae’s reserve requirements is critical if you’re buying or refinancing a home during this period.Read on to see how these Fannie Mae changes impact your mortgage, the housing market, and what you can do to stay ahead of the curve.