Chad Fletcher

In all my years of doing Refi’s I have never had such an outstanding experience but with Blue Water Mortgage I did! It was a very easy process to apply for the refi, very easy to upload all required documents. There were no last minute requests for information it was all done on time, no drama, it was the best! I highly recommend Blue Water Mortgage to all ! Thank you Chad, Ann and Nicole, you make an outstanding team. I am recommending you to all my friends and family.

After a less than smooth refinance effort with another mortgage firm, my experience with Chad and Blue Water was a contrast in superb customer service and a pleasurable financing effort. Thanks!

Chad was extremely attentive and responsive, and went above and beyond to meet the needs of me and my wife throughout this process. As an example, Elizabeth and I expressed a desire to Chad to free up as much cash as possible after our home purchase in Newburyport, MA, as we were concerned about the possibility of needing to pay two mortgages at once while working to sell our home in Kittery, ME. Even though we had already qualified for a loan with a 20% down payment, Chad worked with another lender to secure a deal that allowed us to put 15% down while continuing to carry two mortgages. He explained the pros and cons of both options, and ultimately Elizabeth and I chose the loan that required just 15% down. Today Elizabeth and I are still working to sell our Kittery property, and the extra 5% in cash flow during this time has proven very important. Thanks so much for all of your hard work and personal service, Chad!

Chad’s attention to detail is paired with natural integrity, and as we closed on our last transaction, we walked away feeling a sense of satisfaction that we hadn’t felt in many years. Chad worked very closely with our realtor, and the overall chemistry around a complex process restored our faith in what’s is really needed when a large transaction is taking place.

You have always, "more than 'proven' your desire to keep our best interest in mind". You are a great advocate, for us. And we Thank You! It has indeed been a pleasure working with you. Should you ever need recommendations, or would like us to send business your way, we would have nothing but good things to say about your business.

We had a fantastic experience with Chad. It was the best part of the whole process. He was very responsive to our questions, knowledgeable, and professional in every way.

It’s such a shame that there are couple outliers dragging down the average score of Blue Water to a 4.9. They should be a perfect 5. I loved working with them and have used them for both of my mortgages. Courteous, efficient, and extremely competent. Ann and Chad are incredible and know the business inside and out. Thank you to Jared too, he was great. Ann was incredibly responsive and usually answered emails within the hour. She is smart and organized and helped me navigate the tons of paperwork required w relative ease. There was a situation that threatened my closing time and like some kind of mortgage, sleuth, superhero, she went way above and beyond to solve the problem. I really can’t say enough good things about Ann. Chad is great as well. Super personable, organized and professional. I can’t imagine I would use anybody else!

Chad was fantastic to work with! He walked me through each step and was so helpful in answering all of my questions. His response time was beyond my expectations. He truly made the experience so easy. I have already recommended him to others.

This was our second experience with Blue Water and Chad Fletcher. I think Chad is a consummate professional who not only understands Blue Water products, but the competitors in the market. He stays focused on the customers needs and follows through on the expectations he set at the initial consultation. I would highly recommend him to family and colleagues.

My husband and I had just moved to the seacoast area and were first time home buyers very unfamiliar with the home buying process. Chad was incredibly helpful right from the start, and he took the time to explain all of the steps to us and answer our many questions. He was always super responsive and generally just great to work with. We highly recommend working with him!

Chad Fletcher was great. He was there when we needed him and he was extremely helpful.

Chad was awesome to work with! So nice, and responsive to any question I may have had. I had a great experience!

Chad & Ann with Blue Water were great to work with, not only did they give great advice and support from the first day we started dreaming about our new home but right up through the process they were there every step of the way making things as easy and smooth as possible, even nights and weekends! They lived up to all the promises they made this home purchase as easy as I could have imagined we could not have been happier!

Chad and his team helped us with a VA loan. It was a complex process made much easier because of Chad and Ann Tatum in particular.

Working with Chad Fletcher and Ann Tatem at Blue Water Mortgage was a great experience from beginning to end. Chad worked with my accountant in FL to expedite the process for my application and was always available to answer my questions. Ann was so very warm and friendly, making the process go smoothly, helping me understand things. They both showed such patience with me throughout. I am so grateful to them for their efficiency and help and will miss our contact on a regular basis. Applause for two fine professionals!

Chad was great from start to finish. Very reliable and made the process quick and simple. I am about to use him again for another property. Very easy to recommend Blue Water Mortgage and Chad Fletcher.

Exceptional work ethic. Best in the business. Available all hours of the day and a really cool guy to know. Would highly recommend him to any of my friends.

I used Chad for a refinance and it could not have been easier. He explained the process and told me what was needed. I got the paperwork together and he sent me a secure link and two weeks later we closed. I could not be happier with the transaction Thanks Chad and Blue Water

I’ve had the pleasure of working with Chad on numerous home purchases and sales. Aside from being an amazing broker, Chad is also an incredible person. When I purchased my first home with Chad, I was very new to the process and had many questions. Chad took a consultative approach that made me extremely comfortable and informed. He’s passionate about the industry and compassionate with his clients. Truly thankful for his guidance and our friendship.

Chad and his team at Blue Water Mortgage were first class. Always available and always great customer service. The team was knowledgeable and was always there to help us navigate a complicated mortgage process

My wife and I just bought our first home, and Chad was very helpful throughout the entire process. He was always available to answer any questions I had and he walked us through the steps of buying a home. Would recommend and would use again!

My wife and I were the first-time home buyer and we were pretty anxious at the beginning of the mortgage searching process. We did a lot of googling and checked with different lenders and finally decided to go with BMW. Chad and his team were really patient and helpful throughout the process and we were so satisfied and pleased to have them help us get our new home! Thanks Chad!

We typically use our bank directly when buying a home but went with Blue Water at the suggestion of our realtor and we couldn’t be happier! Chad and his assistant Ann are awesome to work with! They are both incredibly efficient, organized and patient. They take the time to make sure all questions are answered and explain everything thoroughly. They both have excellent communication skills, are super responsive and reach out in person or via email, whichever your preference. We would use them over and over! We felt like we were their only clients and part of a family! They made buying a home flawless and incredibly easy! We would recommend them to anyone interested in buying a home!

It was an absolute pleasure to work with Chad and and everyone at the BWM Team! And the other companies they bring to the table are also exceptional. Nobody we dealt with was more than an email or a phone call away, all around they made our home buying experience a great one! Highly recommended.

I had a complex transaction that was out of state and had to be done within a short timeframe. Chad and the folks at blue water were great and very responsive. They were very diligent and answered all my questions in a timely manner.

My husband and I bought a house in May of 2024 and Chad Fletcher is who we chose to be our loan officer. Over the 9 months that we were searching for a home and the multiple offers we placed Chad was always available for questions and to help clarify the loan process. He worked very closely with our realtor, which made it even easier for us each time we put in an offer. From offer to closing Chad was involved and fun to work with. Chad pays close attention to his relationships with clients and will make you feel supported during the tumultuous process of securing a home. The whole experience was great, he even made our closing fun! Thank you Chad! We are very happy with our new home.

Chad and his staff were quick to respond to our questions. They were thorough in getting us through the mortgage process despite needing us to provide multiple types of documents due to being business owners. We highly recommend him.

Chad and his team were tremendous to work with! Being a first time home buyer, I had many questions going into it. Chad was very helpful and informative through out the entire process. His team is very knowledgeable and available at all times of the day! Every step through out the process was a breeze while working with them! Highly recommend Blue Water Mortgage to anyone!

I have used Chad and Blue Water mortgage for 3 mortgages. He and his team are absolute pros . They are extremely competent, kind and understanding. I really can not recommend them highly enough !

Chad and his team made the process painless. They explained the details and answer any questions quickly and professionally. I would highly recommend Blue Water for all your mortgage needs.

Chad was great from start to finish. Very reliable and made the process quick and simple. I am about to use him again for another property. Very easy to recommend Blue Water Mortgage and Chad Fletcher.

Exceptional work ethic. Best in the business. Available all hours of the day and a really cool guy to know. Would highly recommend him to any of my friends.

I used Chad for a refinance and it could not have been easier. He explained the process and told me what was needed. I got the paperwork together and he sent me a secure link and two weeks later we closed. I could not be happier with the transaction Thanks Chad and Blue Water

I’ve had the pleasure of working with Chad on numerous home purchases and sales. Aside from being an amazing broker, Chad is also an incredible person. When I purchased my first home with Chad, I was very new to the process and had many questions. Chad took a consultative approach that made me extremely comfortable and informed. He’s passionate about the industry and compassionate with his clients. Truly thankful for his guidance and our friendship.

Chad and his team at Blue Water Mortgage were first class. Always available and always great customer service. The team was knowledgeable and was always there to help us navigate a complicated mortgage process

Thank you Chad and Ann. Your hard work, attention to detail and excellent customer service helped us make a tight mortgage deadline. You were there to answer every question along the way and your customer service is outstanding. If you are looking for a mortgage company don’t look any further, Blue Water Mortgage is the company you need.

I was referred to Chad by my realtor - the one and only Lexi Leddy! While I was initially hesitant to use a broker (I had always used banks in the past and even work for a competing non-bank lender!!), Chad absolutely blew me away. He worked hard to earn my business and came to me with competitive pricing on day 1 that my company couldn't match! As someone who has worked in the mortgage business for nearly 15 years, I'm more savvy than the typical homebuyer and know what to look for/compare against. My professional experience sets a high bar, and I'm glad to say that Chad and his team exceeded my expectations. Chad went the extra mile to research a buydown product for me to use a generous seller credit my realtor was able to secure for me in our contract, and I'm so grateful to have a lower payment for the first year in hopes that rates will come down before the end of 2025. Not only that, Chad's team was easy to work with and provided me with timely status updates. When they gave me a time frame to expect conditional loan approval, appraisal, final approval, closing numbers - expectations were set and met every time. I felt totally at ease and could tell that Chad totally trusts his team to take care of his customers. The handoff to his assistant and processor was totally smooth and I knew he was always in the loop and available if I needed anything. To make things even better, we were able to close on an out of state home purchase a week early! When I refinance in the future, I'll definitely work with Chad and his team again!

Chad and his team were such a pleasure to work with throughout the purchase of our home. They are all prepared, organized, responsive and best of all kind. Throughout our countless offers on homes during the search Chad was always so quick to get me over any information I may have needed pertaining to numbers and breakdowns. It is hard to come by people who are truly invested and want the best for you and your family nowadays and with Chad and his team on our side this purchase and transaction went seamlessly. We cannot thank them enough for all of the work, education and insight you've done along the way. I would highly recommend them to anyone who is thinking of buying a home!

We recently worked with Chad Fletcher to refinance our current home and secure a loan for a new property—the entire experience was outstanding from start to finish. From the very first conversation, Chad made the complex mortgage process feel easy and stress-free. He is incredibly knowledgeable, always responsive, and takes the time to explain every step clearly. Whether it was finding the best rates for our refinance or navigating the loan for our new home, Chad was right there with expert advice and unwavering support. What really stood out was his attention to detail and genuine commitment to helping us make the best financial decisions for our future. We never felt rushed or pressured—just informed, confident, and well taken care of. Thanks to Chad, we’re now in our new home with a great mortgage and peace of mind. We couldn’t recommend him enough!

As first-time homebuyers, we truly appreciated the support and guidance Chad Fletcher provided throughout the mortgage process. He was helpful and responsive, making what could have been an overwhelming experience feel much more manageable. We’re grateful for his expertise and would highly recommend Chad and Blue Water Mortgage to anyone navigating the home buying process.

My wife and I had heard all sorts of horror stories about mortgages and were nervous but Chad and his team made things so incredibly easy and smooth! We will never use anyone else!

Chad and his team were exceptional to work with. Blue Water was my lender on an investment property and they made the process very smooth with a 30 day on-time closing. Having worked with other lenders in the past, I can confidently say that I would choose Chad EVERY TIME. He is a great communicator and relationship builder. Even when he was on vacation, he still took time to speak with me and provided support every step of the way. Chad also showed up in-person at the closing - which is a testament to his character and commitment. He is excellent at what he does and has a strong team around him — would highly recommend!!