A Wealth of Information and Service (800) 718-8906

Unconventional Mortgages - A Wealth of Information and Service: (800) 718-8906

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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 dedication loan scenario desk staff available to calculate alt doc income, ratios, etc. Approval in 24 hours. We are a make sense lender ready to make exceptions to earn your business. 800-718-8906.
Non-Prime Lender ~ Yes, Non-Prime Lender ~ No

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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.

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.

Closed End Second Mortgages

Second Mortgage Loan program for every credit grade.

Jumbo

Designed for property investors seeking a streamlined process, this program eliminates income qualification, making it ideal for both first-time and seasoned investors. With options for ITIN borrowers and diverse property types, it offers unmatched flexibility and accessibility. Eligible Properties: Includes single-family residences, PUDs, condos (low/high-rise), townhomes, site condos, modular homes, and 2-4 unit properties. ITIN borrowers (non-U.S. citizens living and paying taxes in the U.S.) are welcome. No income documentation or employment verification required Cash-out options up to $1,000,000. Loan amount with 85% MAX LTV DSCR >1.0, >.75, and no DSCR options available Flexible Terms: Choose from fixed-rate, ARM, IO ARM, or 40-year loan options. Prepayment terms include 4- and 5-year options to suit your investment strategy.