Sources before shortcuts
Our educational resources link to relevant agency, program-administrator and consumer-education guidance where available. Lender-specific alternatives are described as such. A general article is not a substitute for the selected lender’s current requirements.
What an editorial date means
An editorial update identifies when the page’s content was revised. It does not guarantee that rates, funding or every program condition remain unchanged. A named professional-review statement, where present, applies to the stated review date; an editorial update does not imply a new individual review.
Examples and calculators
Hypothetical examples illustrate a decision or calculation. They are not client results or available loan quotes. Calculators disclose assumptions and exclusions; entered figures are not sent to analytics as part of our custom event tracking.
Questions or corrections
If you notice a possible error or a newer official source, send the page and source link to the team. Ask the mortgage team to verify any requirement before making a financial commitment.
Meet the people behind RFG
Sources and editorial information
Published by The Rice Financial Group. Editorial update: October 14, 2026. How we prepare our resources.
Educational information, not an approval, rate quote or commitment to lend. Program rules, pricing and availability can change. Confirm the requirements for your borrower, property and transaction with the mortgage team.
Make the information personal.
Tell us what you are planning and where you need clarity. You do not need to be ready to apply to ask a question.
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