The Atlanta Journal-Constitution reports that as the federal government nears shutdown and hundreds of thousands of employees may be furloughed, only mail carriers, the military, and air traffic controllers would remain on the job.  Federal Housing Administration (FHA) and Department of Housing and Urban Development (HUD) operations would cease during a government-wide shutdown, which would cause significant delays in endorsing single-family loans, which comprises more than 20 percent of loan volume. Similarly, the FHA could not process multi-family loans.