On Dec 22nd, it has online that the federal government will operate under a continuing resolution until March 4th.
I have a USDA Direct loan for a new construction home and the total process was almost 4 months long. I didn't use a real estate agent and did everything myself. It was well worth it now, but it was seriously stressful process. I have a file folder at my desk and one in my email inbox that I took notes and kept copies of everything. Here's how mine went: It took one month from application to approval. I sent in all required documents, waited a month, then USDA needed a couple more bank statements and verification of renting. Landlord never received form, I took care of that in a day. I had already found "the house" so as soon as I had my certificate of eligibility, I did my contract and turned it in in person same day. (Side note here: try to get a 60 or 90 day contract. No one I have spoke to has closed in less than 60). It took 3+ weeks to get my home appraisal and by then USDA ran out of funds and went into another continuing resolution. It took 5 more weeks until I was "funded". Those are awesome words to here in this process. The way I understand is the money is disbursed as it comes in under very low and low catagories. I was low, which comes after very low funding. I was partially funded then about a week later fully funded. It took 6 1/2 weeks from being funded to closing. Once I was funded, I had my survey done and sent to USDA. It takes about a week, so I'd probably do this now. Also, you'll need a pest inspection report, which is good I think 30 days, unless you're getting a new house in which the soil pretreatment certificate is good for a year from the builder. I'd go ahead and get homeowners insurance quotes. This needs to be paid before the closing with receipt & coverage provided to USDA and attorney, even if prepaids are included in your closing. Choose your attorney and send that info to USDA also. Clearing my title took 2 whole weeks. An 8 hour homeowners course was required prior to closing. Ours was free, but was only on the last Saturday of every month so I'd get that out of the way now. Fax a copy of your homebuyers class to USDA. Keep copies of everything and call frequently to follow up and to check on what else is needed.
Good luck!
