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Fixed Rate Mortgage Loans

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 Loans are our most popular loan. Blue Water Mortgage offers competitive fixed rate loans for new purchases or refinancing. Talk to a Blue Water professional to lock your rate today.

15 Year Fixed
3.250%

15 Year Fixed

Loan Details
Loan Purpose
Purchase
Loan Product
15 Year Fixed
Interest Rate
3.250%
APR
3.374%
Payment (Principal & Interest)
$1405.34
Loan Amount
$250,000
Down Payment
$50,000
Credit Score
740

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.

20 Year Fixed
3.750%

20 Year Fixed

Loan Details
Loan Purpose
Purchase
Loan Product
20 Year Fixed
Interest Rate
3.750%
APR
3.848%
Payment (Principal & Interest)
$1185.78
Loan Amount
$250,000
Down Payment
$50,000
Credit Score
740

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.

30 Year Fixed
3.950%

30 Year Fixed

Loan Details
Loan Purpose
Purchase
Loan Product
30 Year Fixed
Interest Rate
3.950%
APR
4.021%
Payment (Principal & Interest)
$949.07
Loan Amount
$250,000
Down Payment
$50,000
Credit Score
740

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.

Contact Blue Water Mortgage for a Personalized Quote

(603) 926-9695
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Why Blue Water?

Blue Water’s team has over 100 years of collective mortgage experience we have the knowledge and ability to get your loan closed on time with the best terms and lowest rates for you.

Frequently Asked Questions

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Blue Water Mortgage Customer Reviews

The loan experience could not have been any better. As a first-time Home Buyer, I had questions and Blue Water Mortgage was willing and able to answer them all.  I would recommend Blue Water to anyone looking for a home mortgage.

Jane S. Bedford, NH

I would recommend the organization with a 10 out of 10. They worked through a ton of grey area to get through 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.

Dan V. Kittery, ME

My experience with Blue Water Mortgage was fantastic. The representatives were very professional and treated me as though I was their most important customer. I was a first time home buyer and Blue Water Mortgage took the stress out of a normally stressful process.

Chris D. Longmeadow, MA

Home Loan Resources

10 Questions to Ask When Buying a Home
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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.

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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.