Carrington Mortgage Services

A government-lending and Non-QM specialist with flexible credit guidelines.

Get a quote with Carrington Talk to a loan officer

Flexible

Credit guidelines

Gov’t

FHA / VA / USDA focus

Non-QM

Alt-doc programs

Purchase

First-time buyer friendly

About Carrington

Carrington specializes in government-backed and Non-QM lending, often with more flexible credit guidelines than typical agency lenders — making it a useful option for borrowers rebuilding credit.

Loan Factory places loans with Carrington when its flexible guidelines and pricing beat the rest of the network for your specific profile.

Why borrowers choose them

Flexible credit and DTI guidelines

Strong FHA, VA, and USDA offerings

Non-QM and alternative-documentation loans

Options for first-time and credit-challenged buyers

Loan programs offered

FHAVAUSDAConventionalNon-QM

How it works

You apply through Loan Factory — not Carrington directly.

Carrington is a wholesale lender, available only through a broker. We shop them alongside 230+ others and place your loan wherever the total cost is lowest.

See your rate

$2,000 Best Price Guarantee

Close with any lender for a lower combination of rate, fees, and mortgage insurance and we send you a $2,000 check.

Other lenders in our network

View all 230+

UWMWholesale RocketPro TPO PennymacTPO NewrezWholesale