--- title: Learning Center - Carrington Mortgage Services (15) description: Explore mortgage resources, helpful guides, and expert advice at Carrington's Information Center. Whether you're looking for information on loan options, refinancing, or homeownership tips, find everything you need in one place. Start your mortgage journey today! (15) --- [Skip to content](https://info.carringtonmortgage.com/information-center/page/15#main-content) ![bell icon](https://info.carringtonmortgage.com/hubfs/raw_assets/public/Templates/2022/svg/Alert-Notifications-Icon.svg) [![Carrington Mortgage Services](https://info.carringtonmortgage.com/hs-fs/hubfs/carrington_logo_final_2col_rgb.png?width=250&height=57&name=carrington_logo_final_2col_rgb.png)](https://www.carringtonmortgage.com) - [About Us](https://www.carringtonmortgage.com/our-mission) - [Careers](https://www.carringtonhc.com/careers) - [Investors](https://www.carringtonhc.com/investors) - [Contact Us](https://www.carringtonmortgage.com/contact-us) [Recent Transfer](https://www.carringtonmortgage.com/new-customers) [Customer Login](https://www.carringtonmortgage.com/login) MAKE HOME WORK Manage My Home arrow-down-anticon/submenu Manage My Mortgage arrow-down-anticon/submenu Learning Center MAKE HOME WORK Manage My Home arrow-down-anticon/submenu - I Am Ready to Start - [Buy a Home](https://www.carringtonmortgage.com/home-loans/buy-a-home/check-existing-customer) - [Refinance My Home](https://www.carringtonmortgage.com/home-loans/refinance-a-home/refinance-step) - What Loan Is Right For Me? - [Purchase Options](https://www.carringtonmortgage.com/home-loans/buy-a-home) - [Refinance Options](https://www.carringtonmortgage.com/home-loans/refinance-a-home) - What is Involved in Getting a Loan? - [The Loan Process](https://www.carringtonmortgage.com/tools/loan-process) - I Want to Calculate... - [Monthly Mortgage Payment](https://www.carringtonmortgage.com/tools/calculators) - [Home Affordability](https://www.carringtonmortgage.com/tools/calculators#affordability) - [Cost to Refinance](https://www.carringtonmortgage.com/tools/calculators#refinance) - [Loan Comparison](https://www.carringtonmortgage.com/tools/calculators#comparison) - Partner With Us - [Home Builders](https://www.carringtonmortgage.com/Partner-with-Us/home-builders) - [Real Estate Agents](https://www.carringtonmortgage.com/Partner-with-Us/real-estate-agents) - I Have Questions - [Need an Expert](https://www.carringtonmortgage.com/find-an-expert) Manage My Mortgage arrow-down-anticon/submenu - I Just Had My Loan Transferred Here - [New to Carrington Onboarding?](https://www.carringtonmortgage.com/new-customers) - How Do I Repay My Loan - [Payment Options](https://www.carringtonmortgage.com/payment-options) - [Payoff Statement](https://www.carringtonmortgage.com/payoff-statements) - What Are Servicing Fees? - [See the Schedule of Fees](https://www.carringtonmortgage.com/schedule-of-fees) - I Need Help With - [Mortgage Assistance](https://www.carringtonmortgage.com/mortgage-assistance) - [Disaster Assistance](https://www.carringtonmortgage.com/disaster-assistance) Learning Center - [About Us](https://www.carringtonmortgage.com/our-mission) - [Careers](https://www.carringtonhc.com/careers) - [Investors](https://www.carringtonhc.com/investors) - [Contact Us](https://www.carringtonmortgage.com/contact-us) --- Recent Transfer --- Customer Login # Carrington Mortgage Services, LLC Learning Center Select Category Homeowner Home Loans Home Tips Refinance CCF Manage Account Purchase Mortgage Payment Credit Score Mortgage Account Escrow Paperless Auto Pay Buying & Selling Home Maintenance Escrow Account Holiday Home Equity Mobile App Veterans Welcome to CMS Your Account CarringtonMortgage.com 2FA Alerts Bankruptcy HomeAmp Property Tax Real Estate Save Money Security Taxes Year-End Statements natural disasters regional emergency Budget Buydowns Disaster Assistance Home Work Mortgage Industry Update Summer Time ACH Billing Canning Investment LIBOR to SOFR Loan Assumption Loss Draft Military Makeover Mini Series Mortgage Fraud Payoff Remodel Sneak Peek Spring Cleaning Sustainable Living Tax Refund Two-Factor Authentication VA Loan dashboard ![](https://info.carringtonmortgage.com/hubfs/shutterstock_1087850093.jpg) [Purchase](https://info.carringtonmortgage.com/information-center/tag/purchase) ### [How Much Should I Have for a Mortgage Down Payment?](https://info.carringtonmortgage.com/information-center/how-much-should-i-have-for-a-mortgage-down-payment) Mortgage down payments are important for first-time and experienced homebuyers alike. When starting the home buying journey, everyone pauses to ask themselves, “How much do I need for a down payment to afford the home I want?” While the question can sound daunting and the answer may vary, ranging from a low down payment to a bit less than 20% down. it’s important to understand what a down payment means for you before moving forward with buying a home. [Read More](https://info.carringtonmortgage.com/information-center/how-much-should-i-have-for-a-mortgage-down-payment) ![](https://info.carringtonmortgage.com/hubfs/shutterstock_1023018748.jpg) [Purchase](https://info.carringtonmortgage.com/information-center/tag/purchase) ### [Other Payments That Can Affect Your Mortgage](https://info.carringtonmortgage.com/information-center/other-payments-that-can-affect-your-mortgage) One of the biggest changes in becoming a homeowner has to do with your monthly mortgage payment. When you are renting, you can write one check and be done with it, there are a lot of things that go into your monthly expenses when you’ve bought your own property. [Read More](https://info.carringtonmortgage.com/information-center/other-payments-that-can-affect-your-mortgage) ![](https://info.carringtonmortgage.com/hubfs/shutterstock_790042993.jpg) [Purchase](https://info.carringtonmortgage.com/information-center/tag/purchase) ### [Streamline and simplify your homebuying process.](https://info.carringtonmortgage.com/information-center/streamline-and-simplify-your-homebuying-process) **Buy and Sell with Vylla Home:** Search and view MLS listings of houses, properties, home values, nearby sales, and get information on open houses. Our team of real estate experts provide guidance on real estate market trends with straightforward, up-to-the-minute information on changing property values, market trends/conditions, and availability. [Read More](https://info.carringtonmortgage.com/information-center/streamline-and-simplify-your-homebuying-process) ![](https://info.carringtonmortgage.com/hubfs/shutterstock_1280004370.jpg) [Homeowner](https://info.carringtonmortgage.com/information-center/tag/homeowner) ### [How often should you clean your dishwasher?](https://info.carringtonmortgage.com/information-center/how-often-should-you-clean-your-dishwasher) It’s such a strange idea to clean an appliance that cleans other things. However, a dishwasher is something that collects grease, soap scum, and food debris build-up over periods of time. Are you thinking to yourself, when was the last time I cleaned the dishwasher? While also imagining all the germs and build-up that might be stuck in there. Well, not to worry, cleaning your dishwasher can be done in three easy steps. [Read More](https://info.carringtonmortgage.com/information-center/how-often-should-you-clean-your-dishwasher) ![](https://info.carringtonmortgage.com/hubfs/Screen%20Shot%202020-08-06%20at%202.39.27%20PM.png) [Escrow,](https://info.carringtonmortgage.com/information-center/tag/escrow) [Escrow Account](https://info.carringtonmortgage.com/information-center/tag/escrow-account) ### [What is an escrow account?](https://info.carringtonmortgage.com/information-center/what-is-an-escrow-account) Many of the common questions borrowers have are related to escrow accounts, so we’ve created two videos just for you. Hopefully, after listening, you understand what an escrow account is and common issues that may arise. [Read More](https://info.carringtonmortgage.com/information-center/what-is-an-escrow-account) ![](https://info.carringtonmortgage.com/hubfs/shutterstock_412668235-1.jpg) ### [Protecting Carrington Customers Against Mortgage Fraud](https://info.carringtonmortgage.com/information-center/protecting-carrington-customers-against-mortgage-fraud) Valued Customers, [Read More](https://info.carringtonmortgage.com/information-center/protecting-carrington-customers-against-mortgage-fraud) ![](https://info.carringtonmortgage.com/hubfs/shutterstock_1727017618.jpg) ### [Top 20 Subscription Boxes to Try](https://info.carringtonmortgage.com/information-center/top-20-subscription-boxes-to-try) [Read More](https://info.carringtonmortgage.com/information-center/top-20-subscription-boxes-to-try) ![](https://info.carringtonmortgage.com/hubfs/shutterstock_84030307.jpg) [Homeowner](https://info.carringtonmortgage.com/information-center/tag/homeowner) ### [Newest Trend: Backyard Office Spaces](https://info.carringtonmortgage.com/information-center/newest-trend-backyard-office-spaces) As more people work remotely, it can be challenging to find an adequate working space inside your home. While most people work from a bedroom, kitchen, living room or dining room, a new trend is emerging for a location most telecommuters might not have considered: the backyard. [CMS Marketing](https://info.carringtonmortgage.com/information-center/author/cms-marketing) [Read More](https://info.carringtonmortgage.com/information-center/newest-trend-backyard-office-spaces) ![Is a Cash-Out Refinance Right for You?](https://info.carringtonmortgage.com/hubfs/shutterstock_1038717511.jpg) [Home Loans,](https://info.carringtonmortgage.com/information-center/tag/home-loans) [Refinance](https://info.carringtonmortgage.com/information-center/tag/refinance) ### [Is a Cash-Out Refinance Right for You?](https://info.carringtonmortgage.com/information-center/is-a-cash-out-refinance-right-for-you) With the lowest mortgage rates in recent memory, you might be considering refinancing your mortgage and potentially getting cash out. Whether you pay off debts with a higher interest rate (student loans or credit cards, for example), make some much-needed home improvements, or reduce your monthly payment, refinancing may benefit your family’s financial situation. [Read More](https://info.carringtonmortgage.com/information-center/is-a-cash-out-refinance-right-for-you) ![](https://info.carringtonmortgage.com/hubfs/IMAGES/Newsletters/What%20is%20Escrow.png) [Welcome to CMS,](https://info.carringtonmortgage.com/information-center/tag/welcome-to-cms) [Escrow](https://info.carringtonmortgage.com/information-center/tag/escrow) ### [Escrow Account FAQ](https://info.carringtonmortgage.com/information-center/escrow-account-faq) [Read More](https://info.carringtonmortgage.com/information-center/escrow-account-faq) [13](https://info.carringtonmortgage.com/information-center/page/13) [14](https://info.carringtonmortgage.com/information-center/page/14) [15](https://info.carringtonmortgage.com/information-center/page/15) [16](https://info.carringtonmortgage.com/information-center/page/16) [17](https://info.carringtonmortgage.com/information-center/page/17) ## Mortgage & Lending Services - [Buy a Home](https://www.carringtonmortgage.com/home-loans/buy-a-home) - [Refinance a Home](https://www.carringtonmortgage.com/home-loans/refinance-a-home) - [Mortgage Calculators](https://www.carringtonmortgage.com/tools/calculators) - [The Loan Process](https://www.carringtonmortgage.com/tools/loan-process) - [Find an Expert](https://www.carringtonmortgage.com/find-an-expert) - [Home Builders](https://www.carringtonmortgage.com/Partner-with-Us/home-builders) - [Real Estate Agents](https://www.carringtonmortgage.com/Partner-with-Us/real-estate-agents) ## Terms - [Privacy Policy](https://www.carringtonmortgage.com/legal/privacy-policy) - [California Consumer Privacy Act Notice](https://www.carringtonmortgage.com/legal/ccpa-notice) - [State Licensing](https://www.carringtonmortgage.com/legal/state-licensing) - [Terms and Conditions](https://www.carringtonmortgage.com/legal/terms-conditions) - [Best Practices](https://www.carringtonmortgage.com/legal/best-practices) - [Fair Lending Statement / HMDA Notice](https://www.carringtonmortgage.com/legal/fair-lending-statement) - [Consumer Fraud Alert](https://www.carringtonmortgage.com/legal/consumer-fraud-alert) - [Equal Opportunities](https://www.carringtonmortgage.com/legal/Equal-opportunities) ## Manage Your Mortgage - [Payment Options](https://www.carringtonmortgage.com/payment-options) - [Mortgage Assistance](https://www.carringtonmortgage.com/mortgage-assistance) - [Disaster Assistance](https://www.carringtonmortgage.com/disaster-assistance) - [Scheduling Servicing Fee](https://www.carringtonmortgage.com/schedule-of-fees) - [Payoff Statements](https://www.carringtonmortgage.com/payoff-statements) ## Contact Us - Current Customers ## About Us - [Our Mission](https://www.carringtonmortgage.com/our-mission) - [Foundation](https://www.carringtoncf.org) - [Holding Company](https://www.carringtonhc.com) - [Accessibility](https://www.carringtonmortgage.com/accessibility) - [Press and Media](https://www.carringtonmortgage.com/pressandmedia) - [Contact us](https://www.carringtonmortgage.com/contact-us) ## Get the App [![](https://info.carringtonmortgage.com/hs-fs/hubfs/raw_assets/public/Templates/2022/svg/Carrington-mobile-apple.jpg?width=135&height=42&name=Carrington-mobile-apple.jpg)](https://apps.apple.com/us/app/carrington-mobile/id1673471360) [![](https://info.carringtonmortgage.com/hs-fs/hubfs/raw_assets/public/Templates/2022/svg/White-Google-1.jpg?width=135&height=42&name=White-Google-1.jpg)](https://play.google.com/store/apps/details?id=com.carringtonms.CMSMobile2&pli=1) [Icon-Facebook](https://www.facebook.com/CarringtonHomeLoans/) [Icon-Twitter](https://twitter.com/CarringtonMS) [Icon-Linkedin](https://www.linkedin.com/company/carrington-mortgage-services-llc) [Icon-Instagram](https://www.instagram.com/carringtonmortgage/) Icon-EHO Consumer Access NMLS ID #2600 | Copyright 2026 Carrington Mortgage Services, LLC. 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