Last Updated: September 24, 2026

Welcome to www.windwardmortgage.com (the “Site”), owned and operated by Windward Mortgage Inc. (“Windward Mortgage,” “Company,” “we,” “us,” or “our”).

By accessing or using this Site, you agree to these Terms of Use (“Terms”) and acknowledge our Privacy Policy. If you do not agree with these Terms, please do not use the Site.

1. Use of the Site

Eligibility

You must be at least 18 years old to submit an inquiry or request mortgage services through this Site.

Mortgage products and services offered by Windward Mortgage Inc. are available only where Windward Mortgage Inc. and the applicable mortgage loan originator are appropriately licensed or otherwise authorized to conduct business.

Permitted Use

You agree to use this Site only for lawful purposes. You may not:

• Submit false, fraudulent, or misleading information;
• Attempt to gain unauthorized access to the Site or related systems;
• Introduce viruses, malware, or other harmful technology;
• Interfere with the operation or security of the Site; or
• Use the Site in violation of applicable law.

2. Mortgage Brokerage Services

Windward Mortgage Inc. is a mortgage broker, NMLS #2650009.

Windward Mortgage Inc. works with third-party mortgage lenders and may assist consumers in identifying loan programs and submitting mortgage applications to lenders.

Windward Mortgage Inc. does not sell borrower information to lenders or receive compensation for providing borrower information. Compensation to Windward Mortgage Inc., when applicable, is associated with the mortgage transaction and not the sale of personal information.

Availability of any mortgage product is subject to applicable lender guidelines, underwriting requirements, property eligibility, borrower qualifications, and applicable law.

3. No Loan Commitment or Guarantee

Information provided on this Site is for general educational and informational purposes and should not be interpreted as a commitment to lend, loan approval, guarantee of financing, or guarantee of particular loan terms.

Submitting an inquiry, scheduling a call, requesting information, creating an application account, or providing information through the Site does not by itself constitute loan approval or a commitment to lend.

Loan approval and final loan terms are subject to factors that may include lender underwriting, verification of income, assets, employment, credit, property eligibility and valuation, title requirements, applicable program requirements, and other conditions.

Not all applicants will qualify for all programs.

4. Rates, Payments, Fees, and Loan Terms

Any interest rates, payments, loan amounts, fees, loan-to-value ratios, credit-score references, down-payment amounts, qualification examples, or other loan terms appearing on the Site are for informational or illustrative purposes unless expressly stated otherwise.

Actual rates, fees, payments, and loan terms may vary based on market conditions, borrower qualifications, property characteristics, loan program requirements, lender requirements, and other factors.

Nothing on this Site constitutes a rate lock or guarantee of particular pricing or loan terms.

5. Calculators and Financial Tools

Calculators and other financial tools available through the Site provide estimates based on information entered by the user and assumptions used by the applicable tool.

Calculator results are for illustrative and educational purposes only. They are not loan estimates, disclosures, approvals, commitments to lend, or guarantees of available financing.

Actual mortgage payments and costs may include items not reflected in a calculator, including taxes, homeowners insurance, mortgage insurance, homeowners association assessments, closing costs, prepaid items, and other expenses.

Consumers should consult with a mortgage professional regarding their particular circumstances.

6. Third-Party Application Platforms

Windward Mortgage Inc. may use third-party technology providers to facilitate mortgage applications and related services.

When you select Apply Now or otherwise access an application system, you may be directed to a website or platform operated by a third-party provider, such as ARIVE.

Information submitted through a third-party platform may be subject to both Windward Mortgage Inc.’s applicable privacy practices and the privacy policy and terms of the third-party provider.

You should review applicable privacy policies and terms before submitting personal information.

7. Communications

When you submit an inquiry, request a call, or otherwise ask Windward Mortgage Inc. to contact you, we may use the contact information you provide to respond to that request and communicate with you regarding the requested service.

Submitting a form does not, by itself, enroll you in promotional text-message marketing.

Text Messages

If you separately select an optional text-message consent choice on an applicable form, Windward Mortgage Inc. may send non-marketing messages related to your inquiry, such as scheduling communications and appointment reminders.

Consent to receive text messages is optional and is not required to submit an inquiry, apply for a mortgage, or obtain our services.

Message frequency may vary. Message and data rates may apply. Reply STOP to opt out or HELP for assistance.

Any promotional text-message program, if offered, will use a separate consent mechanism as applicable.

Please review our Privacy Policy for additional information about how we handle personal information and text-message consent.

8. Educational Content

Articles, guides, frequently asked questions, videos, calculators, and other educational materials available through this Site provide general information only.

Mortgage guidelines, lender requirements, government program requirements, loan limits, interest rates, and other information may change.

Information on the Site should not be relied upon as legal, tax, accounting, investment, or individualized financial advice. Consumers should consult an appropriately qualified professional regarding those matters.

9. Equal Housing Opportunity

Windward Mortgage Inc. supports equal housing opportunity and does not discriminate in providing mortgage services on a basis prohibited by applicable federal or state law.

Information concerning fair housing rights and responsibilities is available through the U.S. Department of Housing and Urban Development and other applicable government agencies.

10. Third-Party Websites and Services

The Site may contain links to websites, platforms, resources, or services operated by third parties.

Windward Mortgage Inc. does not control third-party websites and is not responsible for their content, availability, security, privacy practices, or terms.

A link to a third-party website does not necessarily constitute endorsement of that website, organization, product, or service.

11. Intellectual Property

Unless otherwise indicated, content created and owned by Windward Mortgage Inc. on this Site, including text, graphics, logos, designs, and other original materials, is owned by Windward Mortgage Inc. or used with permission and is protected by applicable intellectual-property laws.

You may use Site content for personal, noncommercial informational purposes. You may not reproduce, republish, distribute, modify, sell, or commercially exploit Site content without permission from the applicable rights holder.

12. Website Availability and Accuracy

We strive to provide useful and accurate information but do not guarantee that all Site content will always be complete, current, error-free, or continuously available.

Mortgage programs and guidelines can change, and information appearing on the Site may become outdated.

Windward Mortgage Inc. may modify, remove, or update Site content without notice.

13. Disclaimer of Warranties

To the extent permitted by applicable law, the Site and its general informational content are provided on an “as is” and “as available” basis without warranties regarding uninterrupted availability, accuracy, or suitability for a particular purpose.

Nothing in these Terms limits any rights or obligations that cannot lawfully be waived or limited.

14. Limitation of Liability

To the extent permitted by applicable law, Windward Mortgage Inc. will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising solely from use of, or inability to use, the Site or its general informational content.

Nothing in these Terms excludes or limits liability where exclusion or limitation is prohibited by applicable law.

15. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Windward Mortgage Inc. and its officers, employees, and agents from claims or losses arising from your unlawful misuse of the Site or material violation of these Terms.

16. Privacy

Our collection and use of personal information is described in our Privacy Policy.

Additional financial privacy notices may apply in connection with mortgage products or services.

17. Governing Law

These Terms are governed by applicable federal law and the laws of the State of Georgia, without regard to conflict-of-law principles, except where another law is required to apply.

18. Changes to These Terms

We may update these Terms periodically.

When changes are made, the “Last Updated” date at the top of this page will be revised. Your continued use of the Site following an update constitutes acceptance of the revised Terms to the extent permitted by applicable law.

19. Contact Information

Questions regarding these Terms may be directed to:

Windward Mortgage Inc.
1121 Steeple Run
Lawrenceville, GA 30043
NMLS #2650009

Phone: 404-436-6977
Fax: 770-404-8768
Email: info@windwardmortgage.com
Website: www.windwardmortgage.com