Carrington Investor Advantage Program Enhancements

March 20, 2022


Effective March 21, 2022, Carrington Mortgage Services, LLC (CMS) is pleased to announce the following enhancements for the Investor Advantage loan program:

  • Increased Maximum LTV from 82.50% to 85% for the 700 FICO band with loan amounts up to $1,000,000.
  • Increased the permitted interested party Seller Contributions from 2% to 4% toward closing.
  • Gift Funds are now acceptable for down payment provided minimum borrower investment requirements are met. Must be from relative and a signed Gift Letter is required.  Sources of funds used for the minimum required investment and reserves must be owned by the borrower.
  • Reduced the required Borrower Contribution to 5% of borrower’s own funds.


Refer to the Carrington Investor Advantage Program Guidelines and Matrix available on for additional information.


Please contact your Account Executive or Account Manager with any questions.
Carrington thanks you for your business.

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Carrington Mortgage Services LLC
P.O. Box 692408
San Antonio, TX 78269-2408

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This information is provided for your convenience and Carrington Mortgage Services, LLC makes no warranties concerning the accuracy or completeness of any of the information. This is not financial or legal advice and should not be taken as such. This information is for mortgage professionals only and is not intended for distribution to consumers.
An Equal Housing Opportunity Lender. Copyright 2007 - 2023 . Carrington Mortgage Services, LLC headquartered at 1600 South Douglass Road, Suites 110 & 200-A, Anaheim, CA 92806. NMLS ID # 2600. Toll Free # 800-561-4567. All rights reserved. Restrictions may apply. All loans are subject to credit, underwriting and property approval guidelines.  Nationwide Mortgage Licensing System (NMLS) Consumer Access Web Site:

The content of this website is intended for licensed third party originators or brokers only and may not be duplicated or disseminated to the public. Carrington Mortgage Services is one of the leading wholesale mortgage lenders.

Government Agency Approval | FHA Non-Supervised Mortgage Approval #: 24751-0000-5 | VA Automatic Lender Approval #: 902324-00-00

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