--- title: Carrington Home Loans - Knowledge Base | Homeowner description: Homeowner | --- [Skip to content](https://info.carringtonmortgage.com/knowledge-base/tag/homeowner#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: ## Homeowner ![Student Loan Debt Article](https://info.carringtonmortgage.com/hubfs/Student%20Loan%20Debt%20Article.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) ### [Student Loan Debt: Can You Still Afford a Home?](https://info.carringtonmortgage.com/knowledge-base/student-loan-debt-can-you-still-afford-a-home) While it is true that student loan debt impacts many parts of your life, it does not entirely impact your choice to obtain a mortgage. According to [Student Loan Hero](https://studentloanhero.com/student-loan-debt-statistics/), 44.2 million Americans have student loan debt. You may be wondering, how exactly do student loans affect the mortgage process? On the downside, the more loans that you have, the harder it may be to afford a home. Don't worry, paying attention to these factors will increase your chances of obtaining a home: [Brianna](https://info.carringtonmortgage.com/knowledge-base/author/brianna) [Read More](https://info.carringtonmortgage.com/knowledge-base/student-loan-debt-can-you-still-afford-a-home) ![What to Expect When Buying a House](https://info.carringtonmortgage.com/hubfs/What%20to%20Expect%20When%20Buying%20a%20House.jpg) [Home Loans,](https://info.carringtonmortgage.com/knowledge-base/tag/home-loans) [Homeowner](https://info.carringtonmortgage.com/knowledge-base/tag/homeowner) ### [What to Expect When Buying a House](https://info.carringtonmortgage.com/knowledge-base/what-to-expect-when-buying-a-house) Buying a home can seem like a daunting task, but it doesn't have to be if you know what to expect. Help ease your stress by getting prepared for the road ahead. There are several steps to buying a home, but we have compiled a checklist to get you to the finish line. [Brianna](https://info.carringtonmortgage.com/knowledge-base/author/brianna) [Read More](https://info.carringtonmortgage.com/knowledge-base/what-to-expect-when-buying-a-house) ![How To Improve Credit Score Article](https://info.carringtonmortgage.com/hubfs/CMS%20Knowledge%20Base/How%20To%20Improve%20Credit%20Score%20Article.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) ### [How to Improve My Credit Score](https://info.carringtonmortgage.com/knowledge-base/how-to-improve-my-credit-score) Improving your credit score is worth the time and effort, but that does not mean the result is going to be instantaneous. Credit improvement is a process and the best way to improve it is to manage it responsibly. If you are looking for ways to improve your score, here are some tips that you can utilize to begin the process: [Brianna](https://info.carringtonmortgage.com/knowledge-base/author/brianna) [Read More](https://info.carringtonmortgage.com/knowledge-base/how-to-improve-my-credit-score) ![Your Digital Footprint and Your Loan Application Should You Be Worried](https://info.carringtonmortgage.com/hubfs/Your%20Digital%20Footprint%20and%20Your%20Loan%20Application%20Should%20You%20Be%20Worried.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) [Social Media](https://info.carringtonmortgage.com/knowledge-base/tag/social-media) ### [Your Digital Footprint and Your Loan Application: Should You Be Worried?](https://info.carringtonmortgage.com/knowledge-base/your-digital-footprint-and-your-loan-application-should-you-be-worried) Going through the mortgage process involves a lot of questions that can sometimes seem invasive… and yet, some of us share the intimate details of our lives across social media through our online presence with strangers all across the Internet. Guess where a lender might learn more about you? [Jordan](https://info.carringtonmortgage.com/knowledge-base/author/jordan) [Read More](https://info.carringtonmortgage.com/knowledge-base/your-digital-footprint-and-your-loan-application-should-you-be-worried) ![How to Reduce Closing Costs-1](https://info.carringtonmortgage.com/hubfs/How%20to%20Reduce%20Closing%20Costs-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) ### [How to Reduce Closing Costs](https://info.carringtonmortgage.com/knowledge-base/how-to-reduce-closing-costs) Once you’ve made it through pre-approval, your house search, making your offer and securing your loan, it’s time to prep for the last step: closing! Unfortunately, closing brings with it another round of costs – some of which may feel like they’re breaking your personal bank. It’s time to look at how to reduce closing costs. [Jordan](https://info.carringtonmortgage.com/knowledge-base/author/jordan) [Read More](https://info.carringtonmortgage.com/knowledge-base/how-to-reduce-closing-costs) ![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) ![Steps tp Buying a Home Where to Start](https://info.carringtonmortgage.com/hubfs/Steps%20tp%20Buying%20a%20Home%20Where%20to%20Start.jpg) [Homeowner](https://info.carringtonmortgage.com/knowledge-base/tag/homeowner) ### [Steps to Buying a Home: Where to Start](https://info.carringtonmortgage.com/knowledge-base/steps-to-buying-a-home-where-to-start) So you’ve decided to buy a home. Congratulations – you’ve completed the first step to buying! But… now what? [Jordan](https://info.carringtonmortgage.com/knowledge-base/author/jordan) [Read More](https://info.carringtonmortgage.com/knowledge-base/steps-to-buying-a-home-where-to-start) ## 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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