Georgia Housing Market 2026: What Buyers Need to Know
Thinking about buying a home in Georgia this year? The first thing lenders check is your credit score, which directly affects your odds of qualifying and the rates you’ll pay. In 2026, most Georgia buyers will need a minimum credit score between 620 and 640, though some programs allow lower scores.
- Conventional loans: Most lenders require 620-640, even though Fannie Mae no longer sets an official floor.
- FHA loans: Possible with a 580 score (3.5% down) or as low as 500 (10% down).
- VA loans: No set minimum, but most lenders look for 620.
- USDA loans: Lenders usually want 640+ for streamlined processing.
- Georgia Dream: 640 minimum for state down payment assistance.
With mortgage rates now around 6.09% for a 30-year fixed (down from last year), buyers see more stability than in 2025. If you’re not sure where your credit stands. The Brewer Group can connect you with trusted local lenders for a free pre-qualification.
Start your Georgia property search or call us at for tailored advice.
How Credit Score Impacts Your Home Search in Georgia
Why does your credit score matter so much when buying a house? Lenders see it as a measure of risk. The higher your score, the more favorable your loan terms will be. In Georgia, a score above 700 puts you in a strong position, but many buyers succeed with scores in the low-to-mid 600s.
- Buyers with scores above 700 often secure better rates and lower monthly payments.
- Scores 620-640 open doors to most conventional and state programs.
- Scores 580-619 may still qualify for FHA loans but can face higher rates or larger down payments.
Here’s a breakdown of typical score requirements by loan type in Georgia:
| Loan Type | Minimum Credit Score | Typical Down Payment |
|---|---|---|
| Conventional | 620-640 | 3-5% |
| FHA | 580 (3.5% down) / 500 (10% down) | 3.5-10% |
| VA | 620 (lender standard) | 0% |
| USDA | 640 | 0% |
| Georgia Dream | 640 | Varies |
Even if your score is on the lower end, we can help you strategize. Many clients work with us to boost their scores before house hunting, saving thousands in the long run. Reach out to The Brewer Group for local lender recommendations and a personalized roadmap.
What’s Available: Current Georgia Listings by Credit Score Range
Once you know your credit score, you can focus on the homes most likely within reach. As of January 2026, The Brewer Group has over 200 active properties across Peachtree City, Senoia, Brooks, Sharpsburg, Newnan, Fayetteville, and Tyrone. Many are accessible to buyers with scores as low as 620. Especially with FHA or VA options.
- Peachtree City: Family-friendly Example properties you can view right now:
- All Active Listings
- Brooks Estates: Spacious acreage properties
- Sharpsburg: Quiet neighborhoods with new construction
- Tyrone: Great for commuters and families
Not sure which areas are right for your loan type or credit score? Browse Georgia homes by price and location or call . We’ll match you with properties that fit your situation — no wasted time.
Local Mortgage Tips: Getting Approved in Georgia’s 2026 Market
Securing a mortgage in 2026 isn’t just about hitting a number. Lenders in Georgia now look at your full financial profile, but credit score remains a key filter. Here’s how The Brewer Group helps buyers get across the finish line:
- Pre-approval first: Sellers and listing agents look for buyers who are pre-approved, not just pre-qualified.
- Down payment options: We help you find the right program (FHA, VA, USDA, Georgia Dream) based on your credit and savings.
- Rate comparisons: With rates near 6%, shopping multiple lenders can save you hundreds per month.
- Local lender partners: Our network includes lenders with flexible credit guidelines familiar with Georgia programs.
- First-time buyer grants: We’ll check if you qualify for Georgia Dream or municipal assistance, which can lower your upfront costs.
Quick tip: Avoid major purchases or new credit cards before closing — this can drop your score or raise your debt-to-income ratio at the worst possible time. We guide clients through every step, reducing surprises and stress.
The Brewer Group Advantage: Why Work With Us?
Buying a home is a big move — especially if you’re navigating credit score requirements and Georgia’s competitive market. Here’s how The Brewer Group stands out:
- Local expertise: 10+ years in Peachtree City, Senoia, Newnan, and surrounding areas. We know which neighborhoods fit your loan and budget.
- Exclusive MLS access: Our listings include properties not found on public sites. You get the first look.
- Personal property matching: We listen and deliver listings that actually meet your needs, saving you time and disappointment.
- Step-by-step guidance: From credit review to closing, we handle the details and connect you with top-rated loan officers, inspectors, and attorneys.
- Keller Williams network: Our national connections open doors to relocation support, investment opportunities, and more.
Clients say it best — recent review: “The Brewer Group found us a home in Senoia even though our credit wasn’t perfect. We felt informed and supported at every step.”
If you want to be confident and competitive in Georgia’s 2026 market, we’re here to help. Explore Georgia listings or call Jake Brewer at to talk to a local expert today.