Don’t worry, we’ve done this before. At Blue Water Mortgage we pride ourselves on making the mortgage process as transparent, predictable, and easy as possible.
If you are new to the process, feel free to visit our tools page for useful calculators and resources to help you decide what you want and what you can afford. Or head over to our glossary for definitions of commonly used terms. You’ll be talking like an expert in no time.
Our brokers are here to answer any of your questions, whenever you have them. Talk to us today. It’s not as scary as you think.
Blue Water Mortgage is licensed in New Hampshire, Maine, Massachusetts, Vermont, Connecticut, Rhode Island, North Carolina, Colorado, Florida, Texas, Georgia, and South Carolina.
We had a fantastic experience with Blue Water Mortgage. We were referred to them by two of our friends, we would definitely r…
Roger worked with me on an extremely complicated deal, and his knowledge, persistence and excellence helped to pull everythin…
We had a very quick home search process Kristina and Paula made it happen for us! Kristina was in constant communication to k…
Excellent experience. Roger and his team work unbelievably hard to get the job done. Always available and happy to explain/ad…
Blue Water Mortgage is fantastic! We just recently refinanced with them again, and it was smooth sailing. We contacted them a…
They were wonderful to work with. I highly recommend them. Not only were they able to get me the best/lowest rate easily but …
Working with Blue Water Mortgage Corp was a great experience. My wife and I could not be happier with the process. We felt li…
Blue Water made the entire process a breeze. They were extremely responsive, knowledgeable and approachable with all of our q…
I don’t have the words to express just how fantastic Jason Caruso is over at Blue Water. I was absolutely blown away by…
Hiccups are always to be expected with an FHA and a first time home buyer. I would recommend the organization and effort with…
Blue Water Mortgage was recommended to us by our realtor and we are so glad she did! This is our third time buying a home and…
My husband and I recently went through Blue Water Mortgage as first time home buyers with the assistance of Derek and Jay, wh…
I have worked with at least a dozen loan officers at different mortgage companies over the past several decades and Lee is by…
We have worked with Blue Water Mortgage group several times over the years, they helped with our home purchase, sale and refi…
My experience with Blue Water Mortgage was wonderful. As a first time home buyer, I had many questions and concerns. Laura pa…
We had a fantastic experience with Blue Water Mortgage. We were referred to them by two of our friends, we would definitely refer anyone looking to purchase a home to work with them. As a first time home buyer we had no idea how to start the mortgage process and what to expect. John Riley explained everything to us. Whenever we had a question, which I had many he always picked up his phone or called us right back. He always wanted to make sure we understood what he was saying. Everyone at Blue Water was great they all worked together to help us close. I would recommend anyone looking to buy a house to use Blue Water Mortgage you will have a great experience just like we did. Everyone who is a part of Blue Water is very helpful and caring. They are the best!!!
Roger worked with me on an extremely complicated deal, and his knowledge, persistence and excellence helped to pull everything together. He invested the time and effort needed to make the deal happen. I had other mortgage companies that would not take on this challenge, but Roger stepped up to the plate and made it happen. I also did another deal with Roger that went extremely quickly and efficiently. Roger would not rush through his calls with me, but take his time to outline all the steps needed. After working with Roger I don’t think that I could work with another loan officer again. I would highly recommend Roger to anyone who is in need or a mortgage.
We had a very quick home search process Kristina and Paula made it happen for us! Kristina was in constant communication to keep us in the loop for what documents were needed, how to secure the financing, and actually had her team review everything thoroughly to make sure we were getting the best rate, best monthly payment, and best closing costs possible. It was nice to see that Blue Water will do anything in their power to make sure that they have happy clients who were able to obtain and secure the mortgage. I’m very thankful and would recommend them to anyone looking to either buy a home or refinance!
Excellent experience. Roger and his team work unbelievably hard to get the job done. Always available and happy to explain/advise. More human than any bank I’ve dealt with.
Blue Water Mortgage is fantastic! We just recently refinanced with them again, and it was smooth sailing. We contacted them and within days had a quote, and within two weeks closed! They are fantastic to work with, every step of the way. Answering detailed questions, available 24/7, amazing customer service. We felt like we were their only clients and taken care of every step of the way. I can’t say enough wonderful things about Roger and his team at BWM. Amazing, hard working, excellent customer service, trusting and knowledgeable! My highest recommendation for this group!!
They were wonderful to work with. I highly recommend them. Not only were they able to get me the best/lowest rate easily but they respond very quickly to emails. It made the whole process as stress free as possible.
Working with Blue Water Mortgage Corp was a great experience. My wife and I could not be happier with the process. We felt like anytime there was a question or a concern that it was answered and addressed quickly, we had all the information we needed to know what needed to happen each step of the way. The effort was made clear on what was expected of us, what we needed to provide and when. We felt like we go personal attention, it felt like we were their only clients. From the initial interaction and Application process all the way to the closing date we felt informed and we felt like Blue Water had everything under control. The closing was able to be done a week early and it was a breeze. I highly recommend Blue Water Mortgage.
Blue Water made the entire process a breeze. They were extremely responsive, knowledgeable and approachable with all of our questions. We will be recommending them to our family and friends for sure!
I don’t have the words to express just how fantastic Jason Caruso is over at Blue Water. I was absolutely blown away by his superb customer service, professionalism, and willingness to go the extra mile (and then some) to help you acquire your loan at the best possible rate and terms possible.
He went WAY outside of his ordinary “required” duties to get us financed and fix a discrepancy on our credit so we could do so. I have never seen anyone put so much effort and extra time into satisfying their customers needs. He treats you like family and he is absolutely the most knowledgeable guy I have ever encountered with Financing and Real Estate matters.
I would absolutely recommend Blue Water (and Jason Caruso in particular) if you want the best possible service and expertise you will find in the industry. Thanks Jason!!
Hiccups are always to be expected with an FHA and a first time home buyer. I would recommend the organization and effort with a 10. They worked through a ton of grey area to get to the nuts and bolts of a few last minute road blocks. I really felt like they were putting in the extra effort for me. I would absolutely recommend Blue Water to any first time home buyer. Great job!
Blue Water Mortgage was recommended to us by our realtor and we are so glad she did! This is our third time buying a home and Blue Water helped to make the home buying process a breeze for us. We were able to get pre-qualified for a mortgage within 2 hours of contacting Roger at Blue Mortgage! Every email or phone call was returned promptly. Roger and his staff made sure everything went smoothly. I highly recommend Blue Water Mortgage to anyone who is buying a new home. I know our memories of the process is filled with good ones!
My husband and I recently went through Blue Water Mortgage as first time home buyers with the assistance of Derek and Jay, whom made the process painless. They both made themselves readily available to answer any questions or concerns throughout the entire process. They were extremely attentive and answered with timely responses. They completed the bulk of the paper work, asking for bits and pieces along the way. I was impressed with their level of knowledge and ability to be flexible. Our realtor was also impressed with how easy they were to work with. We would highly recommend using Blue Water Mortgage. Derek and his team ROCK!
I have worked with at least a dozen loan officers at different mortgage companies over the past several decades and Lee is by FAR the best that I have ever dealt with. Lee is extremely helpful, insightful (knows the industry top to bottom), is creative and offers exceptional customer service. While Lee is a true professional, she is also understanding, has a great sense of humor and just knows how to get things done quickly and on or ahead of schedule. I would HIGHLY recommend Lee to those that want only the very best – Lee is a true professional!
We have worked with Blue Water Mortgage group several times over the years, they helped with our home purchase, sale and refinancing. Kristina Young especially made the process easy and everyone we worked with was very responsive, worked diligently and happily answer questions along the way. I would definitely use Blue Water Mortgage again in the future and would highly recommend.
My experience with Blue Water Mortgage was wonderful. As a first time home buyer, I had many questions and concerns. Laura patiently guided me through the process, explaining what was happening each step of the way. My home purchase was on the complicated side, but Laura took every bump in stride, and went the extra mile (several times) to make sure that my closing went smoothly and happened on time. I would highly recommend Blue Water Mortgage to anyone purchasing a home.
This ebook will help you better understand the home buying process so you can make a more informed buying decision.
Use our Down Payment Worksheet to get a idea of what you can afford to spend.
Determine just how much you’re able to afford on a monthly basis to ensure you’re not in over your head with your monthly mortgage payments.
Please be advised that your actual rate, payment, and cost could be higher. Get an official Loan Estimate before choosing a loan. This estimate is provided for informational purposes ONLY, to assist you in determining an estimate of cash that may be required to close and an estimate of your proposed monthly mortgage payment. Actual charges may be more or less, and your transaction may not involve a fee for every item listed.
Rate and APR based on the following assumptions: Purchase Price of $250,000, loan amount of $200,000, 75% loan to value, 780 credit score, single family property, primary residence, escrowing taxes and insurance, debt ratio within program guidelines.
Rates posted are effective as of 8/9/2024.