The federal government is running out of money and if Congress and President Donald Trump don’t iron out their differences by midnight on Saturday, it will shut down.

We’ve been here before; in an October article, Realtor.com outlined five ways a shutdown could impact the housing market, mostly through the mortgage market.

“One of the biggest impacts to the mortgage market is that the ability to obtain a 4506 and Social Security Number Verification has been halted,” Jason Auerbach, an LPO manager at New York City-based First Choice Bank/Lending, said in the article. “The 4506 IRS Transcript is verification from the IRS that the income documentation, specifically tax returns, provided by a client match with what they filed.”

Auerbach said the 4506 mandate does not impact lenders who are selling loans directly to Fannie Mae, so many of the large lenders will see little in the way of disruption. However, smaller lenders who sell adjustable rate mortgages to investors may have to halt that lending.