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!
Kristina Young

Kristina Young

Senior Loan Officer & Events Manager
NMLS #901137 | NH, ME, MA, GA, VT & FL
Phone 603.758.1682
Cell 207.691.3501

Kind words from Kristina's Clients

Being a new homeowner and having this be our first time buying was certainly confusing and intimidating! Kris and her team were outstanding! They worked non-stop 24/7 for us and did not stop! I was so thrilled with their level of expertise and knowledge on this whole process. We closed so quickly and couldn’t have done this without them. We have told everyone how wonderful it was to work with Kris. Thank you for everything and we were so lucky to have had you and plan to use again in the future.
Lindsay M.
York, ME
We wanted to reach out to let you know how much we appreciated everything you did for us. Your professionalism and determination is unmatched. We will be paying off our remaining bills and get back to you when our credit score has risen for the refinance. Thank you for the beautiful gift we are keeping them unused until the house is painted in 2 weeks, we will be so excited to use everything. Thank you again for everything. We will always remember you being there for the day of closing.
Christopher & Nicole
Having Kristina and her team on my side was a lifesaver. She was quick to respond, any day of the week and took care of all the paperwork and daunting tasks of financing a home. Through emails she is detailed yet straightforward and on the phone she is personable and always made me feel comfortable even when explaining my unique situation. She is also very real and caring. There was a moment where after all our hard work it looked like I would lose my dream home and she called me personally to tell me the difficult news. While I thought it was the end of the line, she kept working harder to make it work and I made it out a Homeowner! While I feel like we’ve been through a lot together there’s no doubt she fights just as hard for everyone she works with. I recommend Kristina and Blue Water to anyone who wants someone fiercely in their corner.
Corrine Long - Dover, NH
Knowledgeable, Responsive, Great Team. Amazing! Working with Kris and the Blue Water Team is the only way to go when mortgaging or refinancing. Blue Water handled the mortgage process when I bought my home and again later on when I refinanced for a lower interest rate plus cash for some home improvements. It is like having your own personal assistant to manage your financing needs from start to finish. Kris and her team are lightning fast! They take your financing needs seamlessly through the entire process and it could not have been made any easier and stress-free. Kris was always available to answer any questions. It is like having your own chauffeur to drive you to your desired destination while you just sit back and relax!
Satisfied Borrower - Wakefield, NH
Kristina and her team at Blue Water Mortgage did an outstanding job with the quick processing and closing of the refinance of my home, AND I got a wonderfully low interest rate. They are all very knowledgeable, efficient, responsive and have a positive, helpful attitude. As usual, there were a couple glitches with various documents along the way, but all problems were resolved quickly, usually within the same day. Amazing! I highly recommend Kristina and Blue Water Mortgage.
SB - Dover, NH
My wife and I recently obtained a mortgage through Blue Water Mortgage for the purchase of our home in Hampton, NH. The services provided by Kris and the Blue Water Mortgage staff were outstanding throughout the entire process. From the time we needed a commitment letter through the closing, Kris and the staff were responsive, friendly and knowledgable which made the loan process go smoothly and without any issues. We highly recommend Blue Water Mortgage to anyone looking for an A+ mortgage broker.
Michael Phillips
Kristina has been great in helping my girlfriend and I buy our first home! Coming into this was scary, but with the help of her, and our realtor, it turned into a far less scary situation and has been a breeze!
Joshua Baro - Goffstown, NH
Kristina was very helpful and responded timely every time an issue came up. She was very knowledgable and got helped us through every aspect.
J. Howard- Hampton, NH
My fiancee and I worked with Kris and she was perpetually available and quick to respond on questions that we had - and we had quite a few as first time home buyers. If I could add an additional 5 stars I would - she consistently went above and beyond and continues to be a resource for us when needed.
Christian Frentzen - Rochester, NH
I have applied for many loans in the past and have refinanced multiple loans before; but this was the most efficient process I have experienced. Kristina is the most productive and professional loan officer I have worked with. This refinancing was very complex due an ongoing divorce; but Kristina's professionalism made the process easy for both myself and my ex.
M. Lowrence - Malden, MA
My fiancee and I worked with Kris and she was perpetually available and quick to respond on questions that we had - and we had quite a few as first time home buyers. If I could add an additional 5 stars I would - she consistently went above and beyond and continues to be a resource for us when needed.
C. Frentzen - Rochester, NH
Working with Kristina was pleasant & informative. She explains the process clearly and very straightforward. This was important to us since we were a first time home buyers. From the moment I contacted Kristina I felt a sense of honesty. She was honest with me, informative, and she allowed me to ask the minutest questions, and she answered them where I could understand. I trusted what she told me, and I felt excited about our family future goals. There were absolutely no surprises at settlement. An excellent job! We are very happy with Kristina and Blue Water Mortgage Corp. We wouldn't hesitate to recommend her. I can honestly say Kristina Young made our first home buying experience a very nice experience. I really couldn't imagine our home buying process being any easier. Even now that the deal is done I still feel 100% comfortable calling or contacting Kristina with any questions. She extended her expertise beyond the scope of the business deal. Thank you for everything Kris!
Harold Turbonitro - Hampton, NH
My closing was such a breeze. Kris was a pleasure to work with and always available.
Brandon Stevens
Kris Young did an AWESOME job across the board - from the initial contact through pre-qualifying, and making sure all the other details which popped up along the way were handled immediately in a firm, polite and professional manner. Her combination of knowledge, networking, logistics and people skills truly make her the go to Loan Officer for whatever type loan is needed. 5 STARS!
John McCarthy
Extremely happy with our home buying experience with Blue Water Mortgage. The real estate agent may find and show the house, but all stress and work really comes down to the home loan application and approval process. Kris and her crew at Blue Water Mortgage kept the communication high and ensured that we knew exactly what the next step was and what needed to happen to move forward. Even when I asked to change our rate by buying more points 4 days before closing, the team flexed and got it done!!! I honestly cannot be happier with how the whole process worked out buying our home in Berwick, ME. Big thank you to Kris, Megan, Michelle and Ashley!!
Brandon Stevens
Always available and best communicator. I have purchased two other properties before working with Kristina on a recent transaction, so I had a certain expectation of working with a lender. Kristina blew my previous experiences out of the water. She was always available, from the initial inquiry to the day of the closing and even beyond for follow-up. She is very friendly and professional, clearly knowing the products and the market, yet with a sense of humor and ability to make the process seem easy and seamless (with other professionals in a real estate transaction - agent, title). I got a great rate on my mortgage, and a very pleasant experience during a process which can be chaotic and stressful, especially for first time homebuyers.
Olga - Rockland, ME
I've worked with mortgage brokers several times in the past, but Kristina was by far much quicker to respond and extremely knowledgeable about different products. She was also very patient with me, as I had many questions. She never made me feel like I asked too many of them even if I likely asked the same one more than once related to different properties. I am a single mom and this was the first time I had purchase on my own and she made this process much less stressful than it could have been. Kristina and her colleagues worked hard to close my loan before the deadline and they did.
Elizabeth French - Hampton, NH
Blue Water Mortgage was an absolute godsend! They took what can be one of the most stressful situations and made it as pain free as it possibly could be. I personally worked with Kris and Michelle and not only were they kind and professional, but they were very knowledgeable and straightforward. They were honest with their opinions and worked together to get me an early closing. Kris even had delivered a housewarming gift to my work as she was not able to attend my closing. I would 100% recommend this company to all my friends and family and would definitely use them again in the future. Thank you BWM for making my home buying dream come true.!
Kyle Cole-Geary
I would definitely recommend Kristina and the Blue Water Lending team. I was connected with her team when another lender was not able to complete my transaction. Kristina was able to expedite all the paperwork and complete the closing date as planned. All paperwork was completed long-distance and was seamless and with minor stress. I would highly recommend Kristina to handle your mortgage needs.
Satisfied Borrower - Portsmouth, NH
Responsive, attentive, and knowledgeable. Kristina was a pleasure to work with. As a first time home buyer not using a realtor I had a lot of questions. Kristina worked with me diligently to make sure I understood the full process inside and out. She was always very responsive and I could get in touch with her during off-hours. Ultimately she made the mortgage process very easy and painless. I learned a lot throughout the process and I feel by having her in my corner made it possible for me to get the best deal out there.
Rob Verreault - Newton, NH
Thank you for a very clean, efficient and effective processing of our loan and purchase. Everything worked out just fine. Laura and I really enjoy the home and neighborhood. We can't wait to spend more time there! We will definitely recommend you both to anyone who we know is in need of your type of services.
Joe D.
A first home buyers dream! Buying a house for the first time is scary, or at least it was for me. at times it feels like everyone is just trying to make a cut from your purchase and obviously I understand everyone does in the end but Kristina was the only one I trusted fully and didn't feel like she was just in it for herself. that really meant a lot and she helped me with every dumb question I had, be if she was at work, at home, or on vacation, would answer my calls and tell me when she didn't think options were smart for me. even now after I purchased a home she's STILL answering my questions and I couldn't be more grateful to have a professional in my corner helping me along. I wish I could give more stars but until then I hope this view helps get the point across
Paul K. - Amesbury, MA
She is the best! As a first time homebuyer, she helped me secure financing for my house. She was always quick to respond to my questions no matter how minor they were. Her office handled all the paperwork quickly and she helped me close within a month after making an offer. I highly recommend her!
Shane Tobiasson - Rochester, NH
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.
Angie Hoxie
Due to so many things that were out of our control, we needed to get the mortgage and sign the deal rather quickly! We were fortunate to have Kristina recommended to us for the process. She was amazing! Fast! In constant communication! Efficient! Always available! Knowledgeable! Patient and precise. After a few former tense and anxiety producing experiences with mortgage lenders in the past, this was exactly what we needed! I never felt nervous! I always knew she had my back! I was confident that she would keep me in the loop for everything that was going on, and she did! I wish that the family that was purchasing my home used her as well. It would have made their experience, and ultimately mine, much smoother! I can think of nothing that I would expect her to have done better for my experience.
Satisfied Borrower - Dover, NH
Kristina Young Made This Process Easy! I have owned my house for 11.5 years. I bought the house using another lender, but I have refinanced it twice, both times with Kristina Young. She found me the best rates, counseled me on the best courses of action and made the process super easy. When I buy another house, or if I ever refinance this one again, I will go straight back to her.
Satisfied Borrower - Hampton, NH

Kristina's Team

Ashley Ridley
Loan Processor
Danyle Hunt
Loan Analyst

About Kristina

With all the choices available in mortgage companies out there I am proud to be associated with Blue Water Mortgage. Our reputation in the lending industry is unparalleled. We set the bar high with our dedication to service. We have access to the most competitive rates in the business.

I believe my role as a mortgage professional is to listen to the individual client and to match a product to their particular needs. I do not believe that being a mortgage professional is a 9-5 job. I understand the excitement but also the anxiety that buying a home puts upon a family and I feel that being on top of, and facilitating a smooth process between realtor, seller and the buyer is the most important service I can provide.

My reputation as a professional is achieved by understanding that each new client offers me the opportunity to grow my business and my circle of friends through providing superior service. The greatest compliment I could receive from a client would be a referral of an associate, friend or family.

I earned my Bachelor’s degree from the University of New Hampshire in Education. I have 26 years in the service and sales industry and have also been a small business owner for 12 years, taking clients sailing on an 80′ Alden Schooner off the coast of Maine. I feel a special connection in working for a company named ” Blue Water” after all of the cruising I have done.

I grew up in Hampton and returned to the Seacoast twelve years ago to raise my family. I now reside in York, Maine where my husband owns a popular restaurant in Perkins Cove.   I have one daughter attending Endicott College and another in High School in York.  I enjoy surfing, biking, summer days at the beach and weekends in the Mount Washington Valley skiing in the winter or jet skiing at the lake in the summer.

Community Involvement

Seacoast Board of Realtor’s Affiliate of the Year - 2016
Seacoast Board of Realtor’s Affiliate of the Year - 2019
York County Council of Realtor’s Affiliate of the Year - 2021
Seacoast Board of Realtor’s Affiliate Chair - 2015-2018
Seacoast Board of Realtors Community Service Chair - 2019-2021
Seacoast Board of Realtors Community Outreach Member - 2022
York County Council of Realtor’s Scholarship Committee - 2018-2022

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