Rick is a mortgage broker and sales manager at Blue Water Mortgage with 25 years of experience helping clients secure financing for home purchases and refinances. Known for clear communication, market knowledge, and tailored loan solutions, he leads a high-performing team and relies on an incredible support staff to deliver smooth, timely closings. He is also known for making difficult transactions work, navigating complex situations to get deals closed.
Over the years he has worked with first-time buyers, move-up purchasers, investors, and homeowners seeking to refinance for better rates or cash-out options. Rick prides himself on building long-term client and referral relationships, educating borrowers through every step, and partnering with real estate agents and financial professionals to get the best outcomes. He is licensed in MA, NH, ME, VT, CT, SC, FL, and TX.
Outside of work, he enjoys golf and spending time with family and friends. He is the parent of two children: Alexa, a student at the University of Alabama, and Ethan, who is currently in high school.
Experience matters when it comes to choosing the right mortgage partner. Blue Water Mortgage brings the knowledge and guidance you need to navigate each step with clarity and confidence. When you partner with Blue Water Mortgage, you have access to a team that’s responsive, reliable, and focused on doing things right. That means you can move forward with peace of mind, knowing you’re in good hands.
To find the best mortgage lenders in NH, compare a few options rather than just going with the first one you find. Look at customer reviews, ask about fees and make sure they understand the local New Hampshire market. The best mortgage lender for you is one who communicates clearly, offers competitive options and makes you feel confident throughout the process.
What credit score you need for housing in NH depends on the type of loan you’re applying for. Many conventional loans require a score of 620 or higher, while some government-backed programs may allow lower scores. If you’re unsure where you stand, it’s worth having a conversation with a loan officer.
There’s no one bank that’s easiest to get a mortgage with. Approval depends on your credit, income, debt and overall financial picture. It’s important to focus on finding a lender who takes the time to understand your situation and match you with the right loan program.
You should work with a local NH mortgage lender because they will understand the state’s market conditions, property values and lending programs. That local insight can make the process smoother and help you avoid surprises during your home-buying journey.
