Fannie Mae Responds to Shutdown With New Guidelines
Fannie Mae has introduced new, temporary guidelines to servicers and sellers of single-family loans in response to the government shutdown.
The government shutdown still threatens to delay the process of obtaining a home loan. Fannie Mae required lenders in some cases to verify Social Security numbers and Internal Revenue Service Tax transcripts but will be unable to do so during the shutdown.
Fannie Mae has temporarily revised its selling guidelines to permit lenders to verify Social Security and IRS transcripts after the closing of the loan but before the delivery of the loan. If the transcripts and Social Security number cannot be validated prior to the delivery of the sale, however, the loan would not be considered eligible for sale to Fannie Mae.
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The big question is..... how many banks are going to close on a loan that they might not be able to sell? My guess? None. The whole point of making home loans is to sell them to FannieMae and have no risk.