Skip to content
bell icon
Recent Transfer
Customer Login
Home Loans Homeowner

Discover Carrington's Non-Traditional Loan Options

We understand that every homeowner’s journey is unique. That’s why we offer flexible lending programs designed to meet a variety of needs. Whether you’re self-employed, have faced credit challenges or need to use alternative sources for income documentation, our loan programs are here to help. Let’s explore some options and discover which one may be right for you! 

Do any of these scenarios apply to you? 

  • You’re self-employed and have difficulty proving your income with traditional pay stubs or tax returns.
  • You’ve had a recent credit issue, like missed payments, bankruptcy or foreclosure.
  • You have a high debt-to-income ratio that’s holding you back.
  • You need a bigger loan amount that doesn’t fit conforming limits.
  • You’re an investor looking to finance multiple properties.
  • You’re an Individual Tax Identification Number (ITIN) borrower without a Social Security number.
  • You’re a Veteran or Native American looking for loan solutions tailored to your unique situation.

If any of these apply to you, we can help. Our unique loan programs are designed with flexibility, so you can accomplish your financing goals. 

Finding flexible solutions with Carrington 

We look at your complete financial picture and your homeownership goals. Here’s how we make things easier for you: 

  • Flexible income verification: If you’re self-employed, we can use your bank statements, 1099 forms or other documents to show your income. 
  • Options for credit challenges: You may still qualify if you are current on your mortgage, but have had a late payment, bankruptcy or foreclosure recently. 
  • Jumbo loans: Need a larger loan? We offer solutions that go beyond traditional loan limits with flexible credit options, even if you have past credit challenges. 
  • Investor-friendly options: If you’re purchasing or refinancing investment properties, we have programs to help, including flexible down payment options. 
  • ITIN loans: We can still work with you if you don’t have a Social Security number, but have an ITIN. 
  • VA loans: If you’re a Veteran or active service member, you can benefit from loan programs with competitive rates and low or no down payment options. 
  • Section 184 Program: Tailored solutions are available for eligible tribal members including American Indian and Alaska Native families, Alaska villages, tribes or tribally designated housing entities who want to purchase or refinance a home. 
  • Adjustable-rate mortgages (ARMs): Looking for a lower initial rate? ARMs offer flexible payments that adjust over time, perfect for short-term or unique needs. 
  • Fixed-rate second mortgages: Need access to cash for home improvements or other expenses? A fixed-rate second mortgage can help you tap into your home’s equity with predictable payments. 
  • 40-year loan terms: Want a lower monthly payment? A longer 40-year term can help make homeownership more affordable. 

How do you know if you can benefit from a flexible loan product  

If you’ve been turned down for a loan in the past or feel like traditional programs don’t work for your situation, it’s worth exploring your options. Whether buying a home, refinancing or investing in property, we’ll work with you to find a solution that meets your unique needs. 

Would you like to explore what options make sense for you? Contact our lending experts for a free consultation today and get one step closer to your goals.