Carrington Consulting

Custom mortgage planning regardless of credit, income or loan status is the key to a successful refinance of your current loan. From Wall Street to your street, access the financial markets and Government Insured financing to provide you with your very own personalized mortgage. We have access to many mortgage products, we cannot possibly list them all. Here are just some examples.

Fixed Rate Loans Offer Stability
They are best if you want a reliable payment over a very long period of time with no surprises. The peace of mind of a fixed-rate loan will offset the slightly higher payment over the long term. When rates are very low, refinance into a fixed-rate loan to lower your monthly payment or convert the uncertainty of an Adjustable Rate to a reliable fixed-rate.

But don't be fooled if you locked in a low fixed-rate first mortgage already. If you have a large Home Equity Loan or high interest credit cards that are not fixed, they are already going higher and refinancing them all into a fixed-rate loan will save you thousands in the long term.

An Adjustable Rate Mortgage May Be Just What You Need
Most ARM products offer a low introductory rate that is fixed from 1 to 10 years and then the remaining life of the loan adjusts either annually or every six months. Our ARM programs come with a lifetime cap on the rate. This means that your rate will never go higher than a certain amount even if the rates skyrocket. There is a ceiling on how much you can possibly pay.

Trade up to a larger home or purchase that dream vacation home
We are here to help you buy more home than you already have. Whether your family is getting bigger and you need the extra room, or you are looking at a house to get away from it all, our programs are tailored to your needs.

If you can afford to rent - YOU CAN AFFORD TO BUY!
Think of all of the advantages of owning your own home:
1) Fire your landlord! When you own it's your home, not a house!
2) Build equity, you'll now build equity with every payment!
3) Market Value Increases - Studies have shown that over the long run, the best investment is your own home. While you are at work, so is your home-appreciating in value.
4) Pride of ownership - Homeowners live better, maintain their homes better, and are active in their community, not to mention that kids are happy playing in their own backyard!
5) Peace of mind. We all need to feel rooted
6) Tax deductions-Let the government 'chip in' with you to own your home!

The biggest obstacle to owning a home is the down payment and the closing costs. That obstacle is history when you finance your home with us.