Mortgage comparisons Carrington Mortgage Services

Carrington Mortgage Services · Lender

Carrington Mortgage Services

Review published mortgage options and requirements, then request a personalized quote from the lender.

Key borrower, credit, property-use and reserve requirements have not been verified for this selection.

Availability: Offered loan products may vary by state. There is no guarantee that all borrowers will qualify. Restrictions may apply.

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 Streamline Fixed-Rate Refinance Loan; 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 Streamline Fixed-Rate Refinance Loan

Fit not assessed · Check fit

Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.

Income documentation
No income documentation.
View full lender requirements
Income documentation
No income documentation.
Other conditions
No appraisal is required.
Read official lender requirements ↗
Questions to confirm with the lender (15)

These requirements have not been verified for this program:

  • SSN
  • ITIN
  • U.S. credit history
  • Foreign credit history
  • No credit history
  • Residency / visa
  • Minimum credit score
  • Minimum down payment
  • Employment documentation
  • Foreign income
  • Foreign assets
  • Reserves
  • State restrictions
  • Property restrictions
  • Occupancy

Requirements last reviewed: Oct 25, 2026 · Official requirements source

Rates and costs

FHA Streamline Fixed-Rate Refinance Loan

Rates are available on request
No reviewed advertised rate example is linked to this program.

How to apply

FHA Streamline Fixed-Rate Refinance Loan

  • No income documentation.
  1. Confirm the program's identity, residency, credit and property requirements with the lender.
  2. Use the official application channel to request pricing for your actual scenario.
  3. Review the lender's written Loan Estimate, including costs and cash to close.

Broker information ↗

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 ↗

Find a mortgage broker ↗

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

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.

CFPB: understand your Loan Estimate

Report a correction · How we compare

Broker information ↗