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Government Loans

FHA
FHA Streamline
USDA
USDA Streamlined Assist
VA
VA IRRRL

FHA Loans

The FHA program has been in place since the 1930s to help stimulate the housing market by making loans accessible and affordable. Traditionally, FHA loans have helped military families who return from war, the elderly, handicapped, or lower-income families, but really, anyone can get an FHA loan – they are not just for first-time home buyers.

Products

  • 30yr Fixed
  • 25yr Fixed
  • 20yr Fixed
  • 15yr Fixed
  • 10yr Fixed

Matrices & Guidelines

Forms

Download Government Guideline Overlays

FHA Streamline

FHA Streamline Refinance is a home financing solution for borrowers with an FHA Loan. This program offers lower total lender fees and reduced documentation compared to standard FHA loans.

Products

  • 30yr Fixed
  • 25yr Fixed
  • 20yr Fixed
  • 15yr Fixed
  • 10yr Fixed
  • 30yr Fixed High Balance

Forms

Download Government Guideline Overlays

USDA Loans (Delegated only)

550 Minimum FICO – 100% Financing Available USDA loans are used primarily to help low-income individuals or households purchase homes in rural areas. Deliver on your client’s dream of a property in a less-populated area with no money down and possibly no out-of-pocket expenses.

Products

  • 30yr Fixed
  • 25yr Fixed
  • 20yr Fixed
  • 15yr Fixed
  • 10yr Fixed

Matrices & Guidelines

Download Government Guideline Overlays

USDA Streamlined Assist (Delegated only)

No Minimum FICO – No DTI calculations 

With Carrington’s USDA Streamlined Assist loan, borrowers can refinance an existing USDA loan with a simplified process requiring no appraisal, credit reports, property inspections, or DTI calculations. Typically, USDA loans are used to help low-income individuals or households finance homes in rural areas.

Products

  • 30yr Fixed

Matrices & Guidelines

Download Government Guideline Overlays

VA Loans

These loans are made by a lender, such as a mortgage company, savings and loan, or bank and are insured by the US Department of Veteran’s Affairs. VA’s guaranty on the loan protects the lender against loss if the payments are not made, and is intended to encourage lenders to offer veterans loans with more favorable terms.

Products

  • 30yr Fixed
  • 30yr Fixed High Balance

Matrices & Guidelines

Download Government Guideline Overlays

VA IRRRL

The Interest Rate Reduction Refinancing Loan (IRRRL) offers current VA mortgage holders an excellent opportunity to take advantage of low-interest rates.

Products

Download Government Guideline Overlays
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An Equal Housing Opportunity Lender. Copyright 2007 - 2023 . Carrington Mortgage Services, LLC headquartered at 1600 South Douglass Road, Suites 110 & 200-A, Anaheim, CA 92806. NMLS ID # 2600. Toll Free # 800-561-4567. All rights reserved. Restrictions may apply. All loans are subject to credit, underwriting and property approval guidelines. Nationwide Mortgage Licensing System (NMLS) Consumer Access Web Site: www.nmlsconsumeraccess.com.

The content of this website is intended for licensed third-party originators or brokers only and may not be duplicated or disseminated to the public. Carrington Mortgage Services is one of the leading wholesale mortgage lenders.

Government Agency Approval | FHA Non-Supervised Mortgage Approval #: 24751-0000-5 | VA Automatic Lender Approval #: 902324-00-00

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