When the government shuts its doors because of a funding brouhaha that pits the White House against Capitol Hill, who gets hit hardest among people needing a home mortgage? The latest version of federal breakdown made one fact painfully clear: It all depends on the type of loan you seek and where you’re located.

Worst hit, of course, have been the thousands of federal employees who’ve been furloughed, gone unpaid and had no assurances about when the financial uncertainty might end.

But what about others? Here’s a quick overview:


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