--- title: Learning Center - Carrington Mortgage Services | Refinance description: Refinance | 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! --- [Skip to content](https://info.carringtonmortgage.com/information-center/tag/refinance#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 Posts about: ## Refinance ![](https://info.carringtonmortgage.com/hubfs/Newsletter_Lower_rate.jpg) [Refinance,](https://info.carringtonmortgage.com/information-center/tag/refinance) [Save Money](https://info.carringtonmortgage.com/information-center/tag/save-money) ### [Interest Rates are Falling!](https://info.carringtonmortgage.com/information-center/interest-rates-are-falling-) With property values remaining strong, now may be the time to make the most of your home’s value. At Carrington, we offer financing with competitive rates and flexible terms, ensuring there’s a solution that works for you. Learn more about your options below, starting with how falling interest rates can help. [Read More](https://info.carringtonmortgage.com/information-center/interest-rates-are-falling-) ![](https://info.carringtonmortgage.com/hubfs/shutterstock_1007495371-1.jpg) [Refinance,](https://info.carringtonmortgage.com/information-center/tag/refinance) [Purchase,](https://info.carringtonmortgage.com/information-center/tag/purchase) [Home Equity,](https://info.carringtonmortgage.com/information-center/tag/home-equity) [Buying & Selling](https://info.carringtonmortgage.com/information-center/tag/buying-selling) ### [Why Homeownership Makes Sense Despite Interest Rates](https://info.carringtonmortgage.com/information-center/why-homeownership-makes-sense-despite-interest-rates) The decision to purchase a home may seem daunting — especially with higher interest rates. However, in spite of fluctuating trends, buying a home continues to offer a multitude of benefits that make it a wise investment.   [Read More](https://info.carringtonmortgage.com/information-center/why-homeownership-makes-sense-despite-interest-rates) ![](https://info.carringtonmortgage.com/hubfs/AdobeStock_182190368.jpeg) [Mortgage Payment,](https://info.carringtonmortgage.com/information-center/tag/mortgage-payment) [Refinance,](https://info.carringtonmortgage.com/information-center/tag/refinance) [Auto Pay](https://info.carringtonmortgage.com/information-center/tag/auto-pay) ### [The Importance of Timely Mortgage Payments](https://info.carringtonmortgage.com/information-center/the-importance-of-timely-mortgage-payments) Making timely mortgage payments is one of your most important responsibilities as a homeowner. Let's explore the benefits of paying your mortgage on time, the potential consequences of late payments and how you can use digital tools to stay on top of your payments. [Read More](https://info.carringtonmortgage.com/information-center/the-importance-of-timely-mortgage-payments) ![](https://info.carringtonmortgage.com/hubfs/AdobeStock_481566373_edit%20%281%29.jpg) [Refinance,](https://info.carringtonmortgage.com/information-center/tag/refinance) [Budget,](https://info.carringtonmortgage.com/information-center/tag/budget) [Home Equity](https://info.carringtonmortgage.com/information-center/tag/home-equity) ### [Simple Strategies for Paying Down Debt](https://info.carringtonmortgage.com/information-center/simple-strategies-for-paying-down-debt) Managing and reducing debt helps achieve financial stability and peace of mind. Refinancing your mortgage and consolidating debt are powerful tools that can lower monthly payments and interest rates, making it easier to manage your finances. Carrington makes it simple by guiding you through each step, offering personalized advice and handling the paperwork, so you can focus on other things.  [Read More](https://info.carringtonmortgage.com/information-center/simple-strategies-for-paying-down-debt) ![](https://info.carringtonmortgage.com/hubfs/Servicing%20Newsletter/The%20Basics%20Cash-Out%20Refinances%20vs.%20Home%20Equity%20Loans.jpg) [Homeowner,](https://info.carringtonmortgage.com/information-center/tag/homeowner) [Refinance,](https://info.carringtonmortgage.com/information-center/tag/refinance) [Home Equity](https://info.carringtonmortgage.com/information-center/tag/home-equity) ### [The Basics: Cash-Out Refinances vs. Home Equity Loans](https://info.carringtonmortgage.com/information-center/the-basics-cash-out-refinance-and-home-equity-loans) As a homeowner, you have two powerful tools thanks to all the equity you may have in your property: cash-out refinances and home equity loans. Understanding the nuances of each can empower you to make informed financial decisions and maximize the potential of your home's equity.  [Read More](https://info.carringtonmortgage.com/information-center/the-basics-cash-out-refinance-and-home-equity-loans) ![](https://info.carringtonmortgage.com/hubfs/IMAGES/Newsletters/CASH-OUT%20REFINANCE%20WHEN%20DOES%20IT%20MAKE%20SENSE%3F.jpg) [Home Loans,](https://info.carringtonmortgage.com/information-center/tag/home-loans) [Refinance](https://info.carringtonmortgage.com/information-center/tag/refinance) ### [Cash-Out Refinance: When Does It Make Sense?](https://info.carringtonmortgage.com/information-center/cash-out-refinance-when-does-it-make-sense) A cash-out refinance allows you to access the equity in your home for extra cash if you have considerable equity in the home. For example, if your home is worth $250,000 and you still owe $150,000, you could take out a new loan for $180,000, pay off the existing loan amount and use the remaining $30,000 to consolidate credit card debt. [CMS Marketing](https://info.carringtonmortgage.com/information-center/author/cms-marketing) [Read More](https://info.carringtonmortgage.com/information-center/cash-out-refinance-when-does-it-make-sense) ![](https://info.carringtonmortgage.com/hubfs/Blog-03-Image.jpg) [Home Loans,](https://info.carringtonmortgage.com/information-center/tag/home-loans) [Credit Score,](https://info.carringtonmortgage.com/information-center/tag/credit-score) [Refinance](https://info.carringtonmortgage.com/information-center/tag/refinance) ### [Not All Debts are Considered Equal](https://info.carringtonmortgage.com/information-center/not-all-debts-are-considered-equal) Not all debt is created equal when it comes to looking at the money you owe. There is absolutely good debt and bad debt, and the difference matters. Check out our lists below for some examples of good vs. bad debt. [CMS Marketing](https://info.carringtonmortgage.com/information-center/author/cms-marketing) [Read More](https://info.carringtonmortgage.com/information-center/not-all-debts-are-considered-equal) ![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/imagesCHL/Make%20Sure%20You%20Don%E2%80%99t%20Have%20Mortgage%20Document%20Errors%20%E2%80%93%20Or%20Else!.jpeg) [Home Loans,](https://info.carringtonmortgage.com/information-center/tag/home-loans) [Refinance,](https://info.carringtonmortgage.com/information-center/tag/refinance) [Purchase](https://info.carringtonmortgage.com/information-center/tag/purchase) ### [The Importance of Avoiding Mortgage Document Errors](https://info.carringtonmortgage.com/information-center/importance-of-avoiding-mortgage-document-errors) You wouldn’t think it, but the slightest mortgage document errors could spell disaster to your closing process. That’s why it’s ultra-important to ensure that everything that is printed on your mortgage documentation is completely accurate, right down to the crossing of every T and the hyphenation of your name (if that applies to you). [Read More](https://info.carringtonmortgage.com/information-center/importance-of-avoiding-mortgage-document-errors) ![](https://info.carringtonmortgage.com/hubfs/IMAGES/Misc./Understanding%20Escrow.jpeg) [Home Loans,](https://info.carringtonmortgage.com/information-center/tag/home-loans) [Refinance,](https://info.carringtonmortgage.com/information-center/tag/refinance) [Purchase](https://info.carringtonmortgage.com/information-center/tag/purchase) ### [Are You the Best Candidate for a Home Loan?](https://info.carringtonmortgage.com/information-center/are-you-the-best-candidate-for-a-home-loan) [Read More](https://info.carringtonmortgage.com/information-center/are-you-the-best-candidate-for-a-home-loan) [1](https://info.carringtonmortgage.com/information-center) [2](https://info.carringtonmortgage.com/information-center/tag/refinance/page/2) ## 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. All rights reserved.