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10, 15, & 30 Year Fixed Rate Mortgages in NH, MA, ME, CT & FL

Fixed Rate mortgage loans maintain a fixed interest rate for the entire life of the loan, as opposed to loans where the interest rate may be adjusted.

Because of this, they offer predictable payments, and are ideal for buyers that intend to be in their home for a long time. They come in varieties based on the loan period: 10 year, 15 year, and 30 year. The shorter the loan period, the lower the interest rate but the higher the monthly payments.

Fixed rate mortgages are our most popular loan. Our depth of experience and industry connections allows us to offer competitive fixed rate loans for new purchases or refinancing. Interested in talking through your options? Let’s chat, contact us today.

Why Blue Water Mortgage?
No Surprises
No Surprises
With over 150 years of collective experience, our mortgage brokers have seen it all. This level of expertise enables us to anticipate and quickly resolve any issues that might arise and close on time, every time.
Personalized Services
Personalized Services
Buying a home is one of the biggest purchases you’ll make in your entire life. That’s why our brokers are available via phone 24/7 to address any concerns or answer any questions you might have about the mortgage process.
Competitive Rates
Competitive Rates
Blue Water is locally owned, so we aren’t beholden to banks. That means we’re able to offer a more diverse portfolio of mortgage products tailored to your specific needs, as well as more competitive rates and lower closing costs.
Rated five stars by our amazing customers

Roger worked with me on an extremely complicated deal, and his knowledge, persistence and excellence helped to pull everythin…

Adam Merrill

My experience with Blue Water Mortgage was wonderful. As a first time home buyer, I had many questions and concerns. Laura pa…

Ali Quinton

Laura was great to work with! She took the time to answer all my questions, kept me updated on the process, and helped to mak…

Amanda Hardman

We have worked with Blue Water Mortgage group several times over the years, they helped with our home purchase, sale and refi…

Angie Hoxie

We had a fantastic experience with Blue Water Mortgage. We were referred to them by two of our friends, we would definitely r…

Ashley Acksel

My wife and I just completed a closing with Blue Water and our experience was phenomenal. We had a very quick turnaround from…

Dan McKallagat

Hiccups are always to be expected with an FHA and a first time home buyer. I would recommend the organization and effort with…

Daniel Vermeersch

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…

Diane Oxton

My husband and I recently went through Blue Water Mortgage as first time home buyers with the assistance of Derek and Jay, wh…

Erin Patnode

I have worked with at least a dozen loan officers at different mortgage companies over the past several decades and Lee is by…

Jeff Burbine

I honestly wouldn’t go elsewhere! We were looking to buy our house about 4 years ago and a friend referred us to Jason …

Kristina Valante

As a first time home buyer my experience with Blue Water Mortgage was excellent. Jim Collins was recommended to me by my real…

Kristina C.

I don’t have the words to express just how fantastic Jason Caruso is over at Blue Water. I was absolutely blown away by…

Joe Randazzo

I have worked with Blue Water twice now. They set the bar for excellence and professionalism. They communicate clearly about …

Jessica Felizardo

We were referred to BlueWater Mortgage through our bank, The Provident and it was a great experience. From the start our cont…

Jeremy Kirkpatrick

Frequently Asked Questions

The Mortgage Process

Blue Water’s mortgage loan process timeline involves a series of five steps, some of which require sitting down with one of our experts to analyze all aspects of your financial health. Here’s what you can expect:
Getting to Know You & Getting On Track
In our first meeting, we’ll answer your questions and talk about the programs we offer that would best fit your situation.
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Getting Pre-Qualified
The next step in the mortgage loan process is applying for pre-qualification, which enables us to confidentially verify your credit, income, assets, and liabilities.
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Assessing Loan Programs & Rates
At this point, we’ll start to sort through and evaluate which mortgage best fits your needs.
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Obtaining Loan Approval
Once you’ve submitted your loan application, we’ll work with our lenders to help find you the best rate and most favorable terms possible.
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Closing the Loan
After your loan is approved, we’ll review the details once more to make sure you feel confident about the financial commitment you are about to make. Once all of your questions are answered, we will schedule a closing.
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Home Loan Resources

10 Questions to Ask When Buying a Home
eBook

This ebook will help you better understand the home buying process so you can make a more informed buying decision.

Get the eBook
Monthly Budget Worksheet
Worksheet

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.

Download Worksheet
Worksheet

Use our Down Payment Worksheet to get a idea of what you can afford to spend.

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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, 80% loan to value, 740 credit score, single family property, primary residence, escrowing taxes and insurance, debt ratio within program guidelines.