--- title: Carrington Home Loans - Knowledge Base | Home Loans (2) description: Home Loans | (2) --- [Skip to content](https://info.carringtonmortgage.com/knowledge-base/tag/home-loans/page/2#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 about: ## Home Loans (2) ![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-691524138](https://info.carringtonmortgage.com/hubfs/ThinkstockPhotos-691524138.jpg) [Home Loans,](https://info.carringtonmortgage.com/knowledge-base/tag/home-loans) [Mortgage Payment,](https://info.carringtonmortgage.com/knowledge-base/tag/mortgage-payment) [Credit Score](https://info.carringtonmortgage.com/knowledge-base/tag/credit-score) ### [Are You the Best Candidate for a Home Loan?](https://info.carringtonmortgage.com/knowledge-base/are-you-the-best-candidate-for-a-home-loan)  There are plenty of aspects that surround the home buying journey that are out of your control. One of the areas where you can actually influence the outcome with your mortgage lender is having a strong financial status. The more you can do to make yourself an attractive candidate for a loan, the better chance you have to get a lender to approve you – and these are things that can help you get the best rate, terms and assists with making you a preferred candidate. [CMS Marketing](https://info.carringtonmortgage.com/knowledge-base/author/cms-marketing) [Read More](https://info.carringtonmortgage.com/knowledge-base/are-you-the-best-candidate-for-a-home-loan) ![Credit Issues That May Affect Your Mortgage Loan-1](https://info.carringtonmortgage.com/hubfs/Credit%20Issues%20That%20May%20Affect%20Your%20Mortgage%20Loan-1.jpg) [Home Loans,](https://info.carringtonmortgage.com/knowledge-base/tag/home-loans) [Mortgage Payment,](https://info.carringtonmortgage.com/knowledge-base/tag/mortgage-payment) [Homeowner,](https://info.carringtonmortgage.com/knowledge-base/tag/homeowner) [Credit Score](https://info.carringtonmortgage.com/knowledge-base/tag/credit-score) ### [Credit Issues That May Affect Your Mortgage Loan](https://info.carringtonmortgage.com/knowledge-base/credit-issues-that-may-affect-your-mortgage-loan) No doubt about it, applying for a mortgage can be a long and involved process that can leave you feeling drained and financially exposed. But it’s in your best interest to be transparent with your finances during this part of the home buying journey, particularly if you have issues that might hinder your loan approval. There are a number of credit issues that may affect your application for a mortgage loan; however, most of the challenges can be overcome. [Jordan](https://info.carringtonmortgage.com/knowledge-base/author/jordan) [Read More](https://info.carringtonmortgage.com/knowledge-base/credit-issues-that-may-affect-your-mortgage-loan) ![Can a Long Commute Affect Your Mortgage](https://info.carringtonmortgage.com/hubfs/Can%20a%20Long%20Commute%20Affect%20Your%20Mortgage.jpg) [Home Loans,](https://info.carringtonmortgage.com/knowledge-base/tag/home-loans) [Mortgage Payment,](https://info.carringtonmortgage.com/knowledge-base/tag/mortgage-payment) [Credit Score](https://info.carringtonmortgage.com/knowledge-base/tag/credit-score) ### [Can a Long Commute Affect Your Mortgage?](https://info.carringtonmortgage.com/knowledge-base/can-a-long-commute-affect-your-mortgage) There are so many things that can impact your ability to get a mortgage, and the rate and terms of that mortgage. Your credit history, your debt-to-income ratio, your job… and while you might be thinking that having a job is obviously important, there’s another job factor that can affect your mortgage: your commute. Long commutes can sometimes delay or derail a mortgage approval. [Jordan](https://info.carringtonmortgage.com/knowledge-base/author/jordan) [Read More](https://info.carringtonmortgage.com/knowledge-base/can-a-long-commute-affect-your-mortgage) ![Zero Down](https://info.carringtonmortgage.com/hubfs/Zero%20Down.jpg) [Home Loans](https://info.carringtonmortgage.com/knowledge-base/tag/home-loans) ### [Types of Zero Down Home Loans](https://info.carringtonmortgage.com/knowledge-base/types-of-zero-down-home-loans) Without a doubt, buying a home is an expensive endeavor, and it’s important to save money wherever you can. But should you consider going with a type of zero down home loan? [Jordan](https://info.carringtonmortgage.com/knowledge-base/author/jordan) [Read More](https://info.carringtonmortgage.com/knowledge-base/types-of-zero-down-home-loans) [1](https://info.carringtonmortgage.com/knowledge-base) [2](https://info.carringtonmortgage.com/knowledge-base/tag/home-loans/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.