Skip to main contentALL NON-QM PROGRAMS
FLEXIBLE ADVANTAGESM
550 Minimum FICO – Alt doc allowed
If you have borrowers with recent credit events (late payments, Foreclosures, Bankruptcy) and or credit scores down to 550, Flexible Advantage is the Non-QM loan program you’ve been looking for. Alternative documentation/bank statements can be used to verify income in place of IRS Tax documents. Available on purchases, refinance, and cash-out refinance loans.
Products
- 30yr Fixed
- 5/6 ARM
- 7/6 ARM
- 40-year loan option available
- ITIN borrowers (non-US citizens who live and pay taxes in the US)
An Equal Housing Opportunity Lender. Copyright 2026. Carrington Mortgage Services, LLC headquartered at 500 North State College Boulevard, Suites 1030, 1300, and 1400, Orange, CA 92868. 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: