Mortgage Planning Updates and Source Desk

October 14, 2026: What to check before your next offer

This is an editorial resource update, not an announcement of new loan rules or live market rates.

• Hometown Heroes: confirm eligibility and reservation availability separately.
• Seller credits: confirm the correct percentage and calculation base.
• Builder incentives: compare full payments and usable credits.
• Condos: request association documents early.

Go directly to the source

• Florida Housing: Hometown Heroes program and current limits
• Fannie Mae: interested party contributions
• VA: funding fee and closing costs
• USDA: Guaranteed Loan Program, Chapter 6
• Fannie Mae: condo, co-op and PUD eligibility

Have a question about a change?

Send the source link and the question to RFG. We can help identify what needs review for your loan or client scenario. Funding availability, lender pricing and approval requirements must be confirmed at the time of the transaction.

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.