--- title: Carrington Home Loans - Knowledge Base | CMS Marketing (12) description: (12) --- [Skip to content](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing/page/12#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 # Knowledge Base Select Category Market Trends Work Trends Home Loans Mortgage Payment Credit Score Homeowner Ep 2 Mini Series Mobile App Payoff Refinance Social Media Posts by ## CMS Marketing ![](https://info.carringtonmortgage.com/hubfs/Market%20Trends_2022-02-11.jpeg) [Market Trends](https://info.carringtonmortgage.com/knowledge-base/tag/market-trends) ### [Inflation, Fed, Uncertainty – Oh My](https://info.carringtonmortgage.com/knowledge-base/inflation-fed-uncertainty-oh-my)   [CMS Marketing](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing) [Read More](https://info.carringtonmortgage.com/knowledge-base/inflation-fed-uncertainty-oh-my) ![](https://info.carringtonmortgage.com/hubfs/Market%20Trends_2022-02-02.jpeg) ### [Three Things Moving the Markets](https://info.carringtonmortgage.com/knowledge-base/three-things-moving-the-markets-3)   [CMS Marketing](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing) [Read More](https://info.carringtonmortgage.com/knowledge-base/three-things-moving-the-markets-3) ![](https://info.carringtonmortgage.com/hubfs/Market%20Trends_2022-01-31.jpeg) [Market Trends](https://info.carringtonmortgage.com/knowledge-base/tag/market-trends) ### [Fed Meeting Breakdown](https://info.carringtonmortgage.com/knowledge-base/fed-meeting-breakdown) This past week, the FOMC released their Monetary Policy Statement, and Chair Jerome Powell hosted a press conference to discuss the economic outlook and the path of interest rates. Let’s discuss what was said, how the markets reacted, and what the future may hold. [CMS Marketing](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing) [Read More](https://info.carringtonmortgage.com/knowledge-base/fed-meeting-breakdown) ![](https://info.carringtonmortgage.com/hubfs/Market%20Trend_2022.01.24.jpeg) [Market Trends](https://info.carringtonmortgage.com/knowledge-base/tag/market-trends) ### [Rates are Fed Up](https://info.carringtonmortgage.com/knowledge-base/rates-are-fed-up)   [CMS Marketing](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing) [Read More](https://info.carringtonmortgage.com/knowledge-base/rates-are-fed-up) ![ThinkstockPhotos-868718238](https://info.carringtonmortgage.com/hubfs/ThinkstockPhotos-868718238.jpg) ### [THE HOLIDAYS. FUN FOR YOU. NOT SO FUN FOR YOUR CREDIT SCORE.](https://info.carringtonmortgage.com/knowledge-base/the-holidays.-fun-for-you.-not-so-fun-for-your-credit-score) The smell of pumpkin spice is in the air, which means the scent of peppermint is not far behind. With the holiday season rapidly approaching, now is the time to start swiping your credit cards and clicking those “Buy Now” buttons. [CMS Marketing](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing) [Read More](https://info.carringtonmortgage.com/knowledge-base/the-holidays.-fun-for-you.-not-so-fun-for-your-credit-score) ### [Buying a Home with the Carrington Flexible Advantage](https://info.carringtonmortgage.com/knowledge-base/buying-a-home-with-the-carrington-flexible-advantage) Carrington recently launched the Carrington Flexible AdvantageSM which gives borrowers with less than perfect credit and/or recent credit events (like a late payment or recent bankruptcy) the opportunity to buy or refinance a home.   [CMS Marketing](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing) [Read More](https://info.carringtonmortgage.com/knowledge-base/buying-a-home-with-the-carrington-flexible-advantage) ![ThinkstockPhotos-76800247](https://info.carringtonmortgage.com/hubfs/ThinkstockPhotos-76800247.jpg) [Mortgage Payment](https://info.carringtonmortgage.com/knowledge-base/tag/mortgage-payment) ### [What Your Mortgage Payments Include](https://info.carringtonmortgage.com/knowledge-base/what-your-mortgage-payments-include) You’re now the proud owner of a mortgage – congratulations! But do you know what your mortgage payments include, and everything that goes into making up that monthly payment you’ll be making for the life of your loan (or until you decide to sell)? [CMS Marketing](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing) [Read More](https://info.carringtonmortgage.com/knowledge-base/what-your-mortgage-payments-include) ![ThinkstockPhotos-840610244](https://info.carringtonmortgage.com/hubfs/ThinkstockPhotos-840610244.jpg) [Home Loans](https://info.carringtonmortgage.com/knowledge-base/tag/home-loans) ### [What Your Mortgage Lender Needs to Know](https://info.carringtonmortgage.com/knowledge-base/what-your-mortgage-lender-needs-to-know) So many people want to know so many things about you during the home buying process – and it may seem at times like it’s never going to end. And like they couldn’t possibly need to know so many things. And hey, isn’t that last question intrusive!? It can be hard to understand what your mortgage lender needs to know. [CMS Marketing](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing) [Read More](https://info.carringtonmortgage.com/knowledge-base/what-your-mortgage-lender-needs-to-know) ![ThinkstockPhotos-925143898](https://info.carringtonmortgage.com/hubfs/ThinkstockPhotos-925143898.jpg) [Credit Score](https://info.carringtonmortgage.com/knowledge-base/tag/credit-score) ### [How Multiple Inquires May Affect Your Credit](https://info.carringtonmortgage.com/knowledge-base/how-multiple-inquires-may-affect-your-credit) Buying a home means dealing a lot with your finances – and one of the most important pieces of that puzzle can be found in your credit report. Having a good score and a healthy debt-to-income ratio can mean the difference between getting a great mortgage or losing out on the house of your dreams. [CMS Marketing](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing) [Read More](https://info.carringtonmortgage.com/knowledge-base/how-multiple-inquires-may-affect-your-credit) ![ThinkstockPhotos-644358770](https://info.carringtonmortgage.com/hubfs/ThinkstockPhotos-644358770.jpg) ### [The Never-Ending Debate on Credit Card Debt Revolving Accounts](https://info.carringtonmortgage.com/knowledge-base/the-never-ending-debate-on-credit-card-debt-revolving-accounts) It’s a wise choice to get a solid grip on your finances when you start the planning stages of buying a home. Not only can it help you determine how much you can afford to spend, but it can also help you strengthen your credit as you pull your reports, examine them for blemishes, and then work with the reporting agencies to fix them. Anything you can do to strengthen your credit report and increase your credit score works in your favor, but the one thing you think might be the best step – namely, paying off your credit cards and closing your revolving accounts – may not be the wisest choice. [CMS Marketing](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing) [Read More](https://info.carringtonmortgage.com/knowledge-base/the-never-ending-debate-on-credit-card-debt-revolving-accounts) [9](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing/page/9) [10](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing/page/10) [11](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing/page/11) [12](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing/page/12) [13](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing/page/13) ## 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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