At Windward Mortgage, when we talk about “low credit”, we’re referring to situations where a credit score falls below 620, though we often assist clients with scores even lower. In some cases, borrowers with credit scores in the 500–580 range can still qualify with the right guidance and loan structure.

A low score doesn’t make you a bad borrower. Life happens unexpected expenses, job changes, student loans. That’s why we take a broader view of your financial story, not just your FICO number.

Flexible Loan Programs Designed for You

One of the most popular solutions we offer for buyers with lower credit is the FHA loan, insured by the Federal Housing Administration. This program is especially friendly to first-time buyers in Georgia and allows:

• You can qualify with a credit score of 580 and only 3.5% down payment.

• If your credit score is between 500 and 579, you may qualify by making a 10% down payment.

• Manual underwriting for applicants who don’t fit the mold

If you don’t have a credit score at all, Windward Mortgage can still help. We work with lenders who consider alternative credit data like rent payments, utilities, or phone bills to help build a strong application.

More Than FHA: Non-QM and Portfolio Loans

Not every borrower fits into traditional lending programs. That’s why we offer a range of Non-QM (Non-Qualified Mortgage) solutions, ideal for:

• Self-employed buyers

• Those with recent bankruptcies or foreclosures

• Clients with inconsistent or non-W2 income

We also have access to portfolio loan products that give lenders more discretion, helping us say “yes” when others have said “no.”

What’s the Process Like for Low Credit Home Loans?

We’ve streamlined the process at Windward Mortgage to make it easy, transparent, and stress-free especially for first-time homebuyers or those feeling uncertain about their credit.

1. Free Consultation

We’ll talk about your goals and review your current financial situation. No pressure, no commitment.

2. Credit Review & Pre-Qualification

We’ll pull your credit (with your permission), explore your scores, and assess which programs may be the best fit. If your score is just shy of the target, we’ll give you tips to raise it fast.

3. Documentation Collection

You’ll provide basic financial documents like:

• Pay stubs or income proof

• Tax returns

• Bank statements

• Rental history or alternative credit if needed

4. Loan Matching

We’ll match you with the right loan program—whether it’s FHA, Non-QM, or something more specialized—and issue a pre-approval letter.

5. House Hunting & Offer

Once you’re pre-approved, your real estate agent can help you find the right home in Lawrenceville or nearby cities like Suwanee, Dacula, or Grayson.

6. Processing & Closing

We handle the paperwork and work with the lender to finalize your mortgage. From start to finish, our team is with you every step of the way.

Why Lawrenceville Trusts Windward Mortgage

As a local mortgage lender based in Lawrenceville, GA, Windward Mortgage brings both personalized service and local expertise to every loan. We understand the real estate market in Gwinnett County and nearby communities like Suwanee, Dacula, and Grayson.

Here’s what you can expect from us:

• Customized loan advice based on your credit profile

• Fast, accurate pre-approvals to strengthen your offer

• Help navigating Georgia down payment assistance programs

• A supportive, no-judgment team that’s on your side

We’re not just mortgage professionals—we’re your neighbors. And we’re here to help you succeed.

Let’s Start Building Your Homeownership Story

You don’t need perfect credit to buy a home—you just need the right mortgage partner. At Windward Mortgage, we’re proud to help our clients overcome credit obstacles and move into homes they love.

Ready to take the first step? Reach out today to explore your options for a low credit mortgage in Lawrenceville, GA. You might be closer than you think.