Carrington Mortgage Services · Lender
Carrington Mortgage Services
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: Offered loan products may vary by state. There is no guarantee that all borrowers will qualify. Restrictions may apply.
At a glance
- Property use
- Primary residence
- Credit requirement
- 500
Still to confirm: Borrower type, Reserves.
Our take: Pros & Cons
What we like
- Conventional, FHA, VA, USDA and non-QM loan options are advertised.
- Non-QM programs can use bank statements, profit-and-loss statements or 1099 forms.
- Credit-worthy U.S. borrowers without an SSN may use an ITIN for the advertised alternative-documentation programs.
What to consider
- Requirements differ by program; ITIN eligibility does not establish acceptance of no credit history or foreign credit.
- Current personalized rates, APR, fees and loan terms require lender confirmation.
- Government and low-down-payment programs have specific property, occupancy and other conditions.
AI-generated lender-level assessment based on published information. Not a verified assessment of FHA; confirm program-specific conditions below.
Additional lender considerations
- Investor financing may qualify using property cash flow, credit and collateral rather than personal income.
Newcomer requirements
FHA
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum credit score
- 500
- Minimum down payment
- Down payment depending on credit conditions.
- Employment documentation
- Proof of income and consistent employment with verification. This can include tax returns, pay stubs, or W-2s for a minimum of two years.
- Property restrictions
- Higher inspection requirements making sure the home is move-in ready.
- Occupancy
- Primary residence
View full lender requirements
- Minimum credit score
- 500
- Minimum down payment
- Down payment depending on credit conditions.
- Employment documentation
- Proof of income and consistent employment with verification. This can include tax returns, pay stubs, or W-2s for a minimum of two years.
- Property restrictions
- Higher inspection requirements making sure the home is move-in ready.
- Occupancy
- Primary residence
- Other conditions
- Mortgage insurance. Proof of the ability to pay the mortgage insurance premium (MIP) is required. The dollar amount of MIP will depend on the amount of the loan.
Questions to confirm with the lender (11)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Income documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
Requirements last reviewed: Oct 25, 2026 · Official requirements source
Rates and costs
FHA
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
FHA
- Proof of income and consistent employment with verification. This can include tax returns, pay stubs, or W-2s for a minimum of two years.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Conventional, FHA, VA, USDA and non-QM mortgage options, including alternative income documentation, investor cash-flow and ITIN pathways. Requirements and pricing depend on the selected program.
Legal lender: Carrington Mortgage Services, LLC
Lending channel: Direct lending, Through mortgage brokers, Correspondent lending
Provider type: Mortgage company
Lending channels: Direct lending, Through mortgage brokers, Correspondent lending. Origination status: Active.
NMLS identifier: 2600
More lender directory information
Direct application information ↗
Correspondent lending information ↗
Offered loan products may vary by state. There is no guarantee that all borrowers will qualify. Restrictions may apply.
Directory verified: 2026-10-25 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 25, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.