Although interest rates are on the rise, it's still a great time to purchase a home. Speak with one of our expert loan officers today!
Chad Fletcher

Chad Fletcher

Loan Officer | Vice President
NMLS #311097 | NH, ME, FL & MA
Phone (603) 758-1688
Cell (603) 591-6582

Kind words from Chad's Clients

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.
Mike C.
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!
Garvin & Lisa L.- Exeter, NH
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!
Michael & Elizabeth L.- Kittery, ME
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.
Stephen & Catherine S.- Exeter, NH
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.
Roland & Simonne H.- Litchfield, NH
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.
Steve Kraunz
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!
David Cluff- Tamworth, NH
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.
Reagan Riley- Boston, MA
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.
Glen Summerton- Hampstead, NH
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!
Mariah Farbotko
Chad Fletcher was great. He was there when we needed him and he was extremely helpful.
Casey Goodell - Rochester, NH
Chad was awesome to work with! So nice, and responsive to any question I may have had. I had a great experience!
Sarah Varney- Dover, NH
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!
Jason Battistelli
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.
E. Cook - Newmarket, NH
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!
Dede Smith
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.
Exeter, NH
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.
BWM Client
Wolfeboro, NH
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
Michael M
Stratham, NH
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.
Portsmouth, NH
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
Bryan G
Bethlehem, NH
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!
BWM Client
Newmarket, NH
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!
Lee, NH
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!
The Lindsey's
Wakefield, NH
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.
BWM Client
Kittery, ME
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.
Bethel, ME

Chad's Team

Nicole Rust
Loan Processor
Cam Esty
Loan Analyst

About Chad

Whether you are buying your first home, financing a second home at the beach, or refinancing to a lower rate, you deserve the highest level of service and integrity in the business. My goal is to provide the best rates possible and find a mortgage solution that works for you. I strive to make the financing process easy to understand and keep you updated each step of the way. The key to a successful transaction is good communication.

I hold a Bachelor’s Degree from the University of New Hampshire. I self-funded my college education so I understand the value of hard work. At UNH I completed several courses in Business administration, public speaking, ethics, and communications. Prior to joining Blue Water Mortgage Corporation, I worked for a financial service company based on the Seacoast. During a 10 year period, I completed over 50 million in commercial transactions nationwide.

I married in 2003 and live in Stratham, NH with my wife Kerri and our 2 daughters, Nola-Ellen & Lexi-Jenee’. As a family, we enjoy skiing and hiking in the Mount Washington Valley.

Lending has changed drastically over the years. Let my experience guide you through the process.

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