Announcements

Overview The purpose of this announcement is to provide a summary of approved Carrington Mortgage Services, LLC (CMS) Non-QM underwriting guideline updates (highlighted in red). Please note this is an abbreviated summary of the guideline changes. All updates should be viewed within the context of the full guidelines available on www.CarringtonCorrespondent.com. Generally, the updates below […]

Overview Due to severe winter storms in Mississippi, FEMA has declared the following counties a disaster. Incident Period: January 23, 2026 – January 27, 2026 State FEMA Disaster Declaration County Mississippi 02/06/2026 Adams, Alcorn, Attala, Benton, Bolivar, Calhoun, Carroll, Claiborne, Coahoma, DeSoto, Grenada, Holmes, Humphreys, Issaquena, Jefferson, Lafayette, Lee, Leflore, Marshall, Mississippi Choctaw Indian Reservation, […]

Overview Due to severe storms, straight-line winds, flooding, landslides and mudslides in Hawaii, FEMA has declared the following counties a disaster. Incident Period: March 10, 2026 – March 24, 2026 State FEMA Disaster Declaration County Hawaii 04/07/2026 Hawaii, Honolulu, and Maui   Re-Inspection by Product Type If your loan is … A re-inspection is required […]

Overview Due to severe winter storms, straight-line winds, flooding, landslides and mudslides in Washington, FEMA has declared the following counties a disaster. Incident Period: December 05, 2025 – December 19, 2025 State FEMA Disaster Declaration County Washington 04/07/2026 Chehalis Indian Reservation ,Chelan (County) ,Grays Harbor (County) ,King (County) ,Lewis (County) ,Lummi Indian Reservation ,Muckleshoot Indian […]

Overview Due to severe winter storms, straight-line winds and flooding in Tennessee, FEMA has declared the following counties a disaster. Incident Period: January 22, 2026 – January 27, 2026 State FEMA Disaster Declaration County Tennessee 02/06/2026 Benton, Carroll, Cheatham, Chester, Clay, Davidson, Decatur, Dickson, Dyer, Fayette, Hardeman, Hardin, Henderson, Hickman, Lewis, Macon, Madison, Maury, McNairy, […]

Overview Due to the holiday, the Lock Desk will close early on Friday, April 3rd at noon Pacific Daylight Time and will not be accepting any new locks or re-locks but will be open to assist with any other issues. Issues related to locks should be sent via email to lockdesk@carringtonms.com. Contacts Please contact CorrespondentRM@carringtonms.com […]

Overview Effective March 2, 2026, Carrington Mortgage Services, LLC (CMS) will qualify all Fixed, ARM and Interest-Only Carrington Investor Advantage loans using the Note Rate. Please Note: The updates listed below apply to loans that have not been locked yet. Encompass will be updated with the changes effective 3/5. Category Requirements Debt-Service Coverage Ratio (DSCR) […]

Overview This announcement serves as a reminder that Carrington Mortgage Services, LLC (CMS) requires the use of Computershare Trust Company, N.A. as the custodian for all Non-Agency / Non-QM loan collateral packages. All Correspondent Sellers must submit an original collateral package via trackable overnight delivery in accordance with the requirements outlined below. Required Collateral Documents […]

Overview The offices of Carrington Mortgage Services, LLC (CMS), including the Lock Desk, will be closed on Monday, February 16, 2026 for President’s Day, which is a Federal Holiday. Normal lock hours will resume on Tuesday, February 17, 2026. Rate Locks that expire on the holiday will automatically roll to the next business day. In […]

Overview The offices of Carrington Mortgage Services, LLC (CMS) including the Lock Desk will be closed on Monday, January 19, 2026 for Martin Luther King Jr. Day, which is a Federal Holiday. Normal lock hours will resume on Tuesday, January 20, 2026. Rate Locks that expire on the holiday will automatically roll to the next […]