However, the reality is homes are being bought and sold today, (Oct 7, 2013).
Yes, there are REAL chanllenges, but the REAL challenges are not those you listed.
Of course there is yet anohter layer of complexity and a greater need of education and alternatives. Such complexities have become part of the DNA or real estate transactions that have flooded the industry since 2008. Real estate professionals, invedstors, local lenders and attorneys have all collaborated in providing solutions individually or collectively.
If you need to sell your home, it's time to chat with a professional.
If you don't, which apparantly you do not, then stay tuned to FOX and stay put.
The shut down,at this time, is irrelevant. However, the big banks and insurance companies are the ones who have there hands around the neck of the home owner. As you suggest, it is the big banks that are imposing issues, while local lenders are stil financing home sales and magicly are not held hostage by the IRS. (a clue) Friends won't let their friends do business with the big banks.