Late Sunday, November 9, 2025, the Senate struck a deal to reopen the government. In truth, however, what they really did is kick the can to January 30, 2026, by keeping current spending levels where they are until that date. While the House and President must approve the deal, this will bring relief to many people who need it the most.

Last week I wrote about the window of opportunity over the holidays due to the reduction in mortgage interest rates. With the shutdown ending, there’s even a greater opportunity at this moment since everything could go sideways again on January 30, 2026.