Roger Odoardi guides clients through the home financing process with clarity, confidence, and a clear strategy. Licensed in New Hampshire, Massachusetts, Maine, Vermont, Rhode Island, Connecticut, North Carolina, South Carolina, and Florida, he works with homebuyers and homeowners across New England and the Southeast.
Roger specializes in first-time homebuyers, move-up buyers, and homeowners exploring refinance opportunities, construction loans, home equity lines of credit, and reverse mortgages. Known for his direct communication and hands-on approach, he focuses on solving problems before they become obstacles—helping clients navigate challenges, structure deals effectively, and move forward with confidence. His goal is to make the mortgage process straightforward, well-structured, and free of unnecessary surprises.
Backed by the experienced team at Blue Water Mortgage, Roger has access to a wide range of loan programs and lending solutions, allowing him to tailor each mortgage to the client’s goals and financial picture. He is passionate about building long-term relationships and being a trusted resource well beyond the closing table.
Outside of work, Roger enjoys spending time on the New England seacoast with his wife and kids, staying active, and being involved in the local community.
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.
