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Carrington Wholesale

Dedicated to serving underserved borrowers, we recognize that every individual has a unique story deserving personalized solutions. We excel in overcoming challenges, offering tailored options for borrowers with credit issues or credit profile issues, alternative income documentation needs, or non conforming loan sizes. Send us your loan scenarios. We have a dedicated loan scenario desk staff available to calculate alt doc income, ratios, etc. Approval in 24 hours. We are a makes sense lender ready to make exceptions to earn your business. Questions? Speak to a live loan officer 800-718-8906.

Prime Advantage

Designed for borrowers who narrowly miss Agency or Jumbo loan criteria, this program requires a minimum 660 FICO score. Non-conforming loans outside government or conventional guidelines. Self-employed and alternative documentation borrowers (e.g., 1099, P&L, 12/24-month bank statements, asset depletion, W2, or full-doc). Borrowers with good credit or ITIN holders (non-U.S. citizens living and paying taxes in the U.S.) Eligible Property Types: SFR, PUD, Townhomes, Condominiums, 2-Unit, Modular, and Mixed-Use properties. ~ Questions? Speak to a Live Loan Officer (800) 718-8906.

Flexible Advantage Plus

Designed for borrowers rebuilding credit with scores of 620 or higher, this program offers flexible options tailored to unique financial needs. Credit repair borrowers needing cash-out up to 70% (see matrix for details). Self-employed or alternative documentation borrowers (e.g., 1099, P&L, bank statements, asset depletion, W2, or full-doc). ITIN borrowers (non-U.S. citizens living and paying taxes in the U.S.) Eligible Property Types: SFR, PUD, Townhomes, Condominiums, 2-4 Unit, Modular, Hobby Farms, and Mixed-Use properties.

Flexible Advantage

Tailored for borrowers with a FICO as low as 550 and recent housing events, this program offers flexible solutions for those facing credit challenges with a stable housing history. Credit grades ranging from 24-month housing event seasoning to no seasoning required. Documentation options: Full Doc (2 years W-2/1099 or Tax Returns), Bank Statements, or Asset Conversion. ITIN borrowers (non-U.S. citizens living and paying taxes in the U.S.). Eligible Property Types: Single-family residences, PUDs, condos (low/high-rise), site condos, townhouses, 2-4 unit properties, modular homes, hobby farms, and mixed-use properties.

Investor Advantage (DSCR)

The DSCR investor loan is a flexible, no-income-verification mortgage solution for investors seeking to grow or leverage their real estate portfolio. With options for cash-out refinancing, ITIN borrowers, and no DSCR qualification requirements, this program is ideal for first-time and seasoned investors alike.

Lender-Broker Notes

Your First Look for Non-QM: Built for real-life borrowers; the self-employed, real estate investors, income diverse and credit-challenged clients. Borrowers that conventional lenders overlook. Non-Stop Non-QM isn’t just a slogan – it’s what we do all day, every day. Loan amounts to $3.5M | LTVs to 90% | Credit scores for full doc from 550, alt-doc from 600 | DSCR with no ratio available | Mix and match income documentation. We’ve just made some dramatic pricing improvements so please check us out!

Carrington Wholesale Offers the Following Loan Program via our broker channels

Get started Now: Mortgage Pre-Qualification Form – No Credit Check

We continue to aggressively price conventional, high balance, jumbo, VA, and FHA.

Non-Prime FHA and VA.

FHA and VA go down to 550 credit score to 90% LTV. We do have the “no credit score option” for streamline refinances. Our VA now permits 100% cash-out up to $2,000,000 and does not have any DTI debt-ratio overlays if you have a DU Desktop Underwriter approval.

90% LTV Jumbo Mortgage Program

We now offer jumbo to 90% LTV with a 680 credit score and 80% with a 660 score with loan amounts as high as 3,000,000

We now have 203K loans

Condos we will get your HOA Cert and there is no charge to your borrower. Just give us the contact information. We are approved to self-process with us and we have countless support resources available to ensure a smooth and quick process.

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Last Updated on 2 weeks ago by Broker Mortgages

Alternative Income Documentation

Contact a Loan Officer

Dedicated to serving underserved borrowers, we recognize that every individual has a unique story deserving personalized solutions. We excel in overcoming challenges, offering tailored options for borrowers with credit issues or credit profile issues, alternative income documentation needs, or non conforming loan sizes. Send us your loan scenarios. We have a dedicated loan scenario desk staff available to calculate alt doc income, ratios, etc. Approval in 24 hours. We are a makes sense lender ready to make exceptions to earn your business. Questions? Speak to a live loan officer 800-718-8906.

Prime Advantage

Designed for borrowers who narrowly miss Agency or Jumbo loan criteria, this program requires a minimum 660 FICO score. Non-conforming loans outside government or conventional guidelines. Self-employed and alternative documentation borrowers (e.g., 1099, P&L, 12/24-month bank statements, asset depletion, W2, or full-doc). Borrowers with good credit or ITIN holders (non-U.S. citizens living and paying taxes in the U.S.) Eligible Property Types: SFR, PUD, Townhomes, Condominiums, 2-Unit, Modular, and Mixed-Use properties. ~ Questions? Speak to a Live Loan Officer (800) 718-8906.

Flexible Advantage Plus

Designed for borrowers rebuilding credit with scores of 620 or higher, this program offers flexible options tailored to unique financial needs. Credit repair borrowers needing cash-out up to 70% (see matrix for details). Self-employed or alternative documentation borrowers (e.g., 1099, P&L, bank statements, asset depletion, W2, or full-doc). ITIN borrowers (non-U.S. citizens living and paying taxes in the U.S.) Eligible Property Types: SFR, PUD, Townhomes, Condominiums, 2-4 Unit, Modular, Hobby Farms, and Mixed-Use properties.

Flexible Advantage

Tailored for borrowers with a FICO as low as 550 and recent housing events, this program offers flexible solutions for those facing credit challenges with a stable housing history. Credit grades ranging from 24-month housing event seasoning to no seasoning required. Documentation options: Full Doc (2 years W-2/1099 or Tax Returns), Bank Statements, or Asset Conversion. ITIN borrowers (non-U.S. citizens living and paying taxes in the U.S.). Eligible Property Types: Single-family residences, PUDs, condos (low/high-rise), site condos, townhouses, 2-4 unit properties, modular homes, hobby farms, and mixed-use properties.

Investor Advantage (DSCR)

The DSCR investor loan is a flexible, no-income-verification mortgage solution for investors seeking to grow or leverage their real estate portfolio. With options for cash-out refinancing, ITIN borrowers, and no DSCR qualification requirements, this program is ideal for first-time and seasoned investors alike.

Alternative Income Documentation

Contact a Loan Officer