Specializing in credit scores
below 640, manual underwriting,
and manufactured housing.
GOVERNMENT LOAN PROGRAMS
FHA & VA PROGRAMS DO WN TO 500 FICO
NO FICO** SCORE REQUIRED ON
GOVERNMENT STREAMLINES (FHA, VA, USDA)
LOW DOWN PAYMENT PROGRAMS
MANUFAC TURED PROPERT Y PROGRAMS
DOWN PAYMENT ASSISTANCE PROGRAMS
for conventional clients
SELF-EMPLOYED WITH DO WN PAYMENT
W-2 CLIENT WITH BORDERLINE CREDIT
AND LOW DO WN PAYMENT
INVES TMEN T / MULTI-UNI T PROPER TIES
CLOSING YOUR LOAN JUST GO T EASIER
YOUR TOUGH LOANS LENDER
866 - 453-2400
© Copyright 2007-2018 Carrington Mortgage Services, LLC headquartered at 1600 South Douglass Road, Suites 110 & 200A, Anaheim, CA 92806. 866-453-2400. NMLS ID #2600.Na tionwide Mortgage Licensing System (NMLS) Consumer Access website: www.
nmlsconsumeraccess.org. AZ: Mortgage Banker BK-0910745. CA: Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, File 413 0904. CO: Check license status of your mortgage loan originator at www.dora.state.co.us/
real-estate/ index.htm. GA: Georgia Residential Mortgage Licensee 22721. IL: Illinois Residential Mortgage Licensee. MN: This is not an offer to enter into an interest rate lock agreement under Minnesota Law. MO: Missouri Company Registration 14-1746. In-State Office:
Missouri Residential Mortgage Loan Broker License 14-1746. 251 SW Noel, Lees Summit, MO 64063. NV: Mortgage Broker License 4068 (Residential Mortgage Origination/Lending). NJ: Licensed by the N.J. Department of Banking and Insurance. NY: Licensed Mortgage
Banker—NYS Department of Financial Services. New York Mortgage Banker License B500980/107664. OH: Ohio Mortgage Loan Act Certificate of Registration SM.501517.000. RI: Rhode Island Licensed Lender, Lender License 20112809LL. VA: Lender & Broker License #MC-
5382. NMLS ID 2600 ( www.nmlsconsumeraccess.org). WA: Consumer Loan License CL2600. Also licensed in AL, AK, AR, C T, DE, DC, FL, HI, ID, IN, IA, KS, K Y, LA, ME, MD, MI, MS, M T, NE, NH, NM, NC, OK, OR, PA, SC, SD, TN, TX, U T, V T, WV, WI and W Y. NO TICE: All loans
are subject to credit, under writing and property approval guidelines. Offered loan products may vary by state. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. Terms, conditions and programs are subject
to change without notice. This information is for industry professionals only and is not intended for distribution to consumers. Carrington Mortgage Services, LLC is not acting on behalf of or at the direction of HUD/FHA or any government agency. All rights reserved.
*Carrington will process any qualifying purchase loan from the time a loan file is submitted to underwriting, and meets the on-time closing date identified as the Close of Escrow date or the company will apply a closing cost credit of $1,500 to the
loan at closing. Lender Credit may be restricted based on specific product guidelines. In order to receive the closing cost credit, any delay that causes a purchase loan to not meet the on-time closing date identified as the Close of Escrow date must
be due to Carrington’s independent processes. If the delay is due to the broker, borrower, seller’s or any third party’s action or inaction or any other circumstances outside of Carrington’s control, the closing cost offer will be void. This offer excludes
some purchase loan programs and property types including USDA loans, 203K Loans, Short Sales, New Construction loans, manufactured homes, loans requiring property repairs, engineers inspection, or re-inspection prior to closing, loans requiring
condo approvals and flips. The minimum allowable time from a complete purchase loan file at loan approval to the Close of Escrow date is 25 calendar days. The Close of Escrow date is recorded in Pipeline Manager (aka BrokerIQ) for all qualifying
purchase loans. Exclusions apply; contact your Account Executive for details. Offer is subject to revision or cancellation at any time. Applies to qualifying purchase loans submitted on or after March 20, 2017.
**FHA Streamline refinance non credit qualifying program requires a tri-merge credit report reflecting only the FICO score and a 12-month mortgage history. Closing costs may not be financed into a non credit qualifying refinance. Verbal verification
of income source is required. Applicable only for FHA Streamlines with no late payments within past 6 months and USDA Streamlined-Assist Programs with no late payments within past 12 months.
***Restrictions apply; contact your Account Executive for details.
LEARN MORE ABOU T OUR PROGRAMS BY VISITING
Carrington is your go-to lender for closing low FICO government loans for the
underserved market and underwriting complex conventional loans. We have
developed processes for underwriting government and conventional loans that
make closing loans easier and faster with our digital loan management portal—
WE CLOSE ON-TIME, EVERY TIME.
THAT’S CARRINGTON’S ON-TIME CLOSING PROMISE. *
Our commitment to close your purchase loans on-time or we’ll apply a $1,500
closing cost credit. Be a hero to your partners and clients. Carrington’s On-Time
Closing Promise is your secret weapon to building your purchase business.
Our dedicated team of highly-experienced loan specialists is your super power
for closing loans that others can’t.
Carrington gives you the power and technology
to master the toughest loans.
FHA & VA
BE A HERO TO YOUR CLIENTS