Spencer Chapman

Spencer Chapman

Loan Officer, NMLS #1861630
Licensed in: MA, ME, NH, RI
Office: 603-287-1184
Cell: 603-260-2442
LinkedIn: Spencer Chapman

Hear From Spencer's Clients

It is our pleasure to recommend Spencer for home mortgage financing. He was highly recommended by our realtor. From start to finish, his service has been prompt and efficient. We needed to get pre-approved for our new home while our existing home was in the process of selling. We couldn't be more pleased with Spencer's fast turnaround and I think that was key in securing the future home of our dreams!
Bessie
Hampstead, NH
I called Spencer after we had just come off an extremely bad experience with a major lender on an attempt to refinance. I figured that I would go with more of a local lender than a major corporation based on the run-around we got. We couldn't have been any more happy making that decision to call Spencer! It was an amazing experience from the first phone call to go over options. He immediately started working the numbers, and always called me and kept in constant communication on where we were at. In under a month we closed. My previous experience with 2 companies, they kept me in the dark and never called me back.. I always had to call them.. If you need a mortgage lender, Spencer is your guy. He worked for us to close and made us feel like we weren't a number and that it was personal to him that we closed. I would go with Spencer again in the future, no doubt.
Anthony L.
Bedford, NH

About Spencer

As a New England native, I take great pride in serving the communities in which I was raised with complete transparency. Personally, and professionally, my mission is to always operate from a place of honesty and integrity to instill trust in my clients and referral partners to ensure a fast, smooth process when it comes to all purchase and refinance transactions. Speed, professionalism, and reliability are all part of my value proposition. Buying a home should be fun!

I truly enjoy helping my clients navigate the waters of real estate transactions with ease. Having spent years processing loans from start to finish, I understand the value in having a resource you can always reach out to for questions and concerns. I’m available 24/7 and welcome all inquiries, no matter the situation.

Loans aren’t just loans to me – they’re unique, financial instruments used to build and leverage wealth over time. I’m here to help structure tailored solutions to fit every client’s needs, wants, and budget.

Get to know me:

College/background: Keene State College

Last Job: Premier Mortgage Lending

Plans at BWM: Providing first-class service while impacting the local communities in which I work with positivity.

Favorite Activity: Fishing, hiking, anything outdoors

Favorite place to travel: Chicago, majority of family lives in Illinois

Favorite local spot: Fort Foster/Chauncey Creek in Kittery, Maine. Close to home and a quiet escape

Where do you reside? Brentwood, NH

Favorite sports teams/sport? Baseball, Boston Red Sox

Something people don’t know about me: Avid crypto-currency investor, collaborates often with the NH Jump$tart Coalition to teach younger kids about financial literacy

Contact Spencer
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Meet Spencer's Team

Katie Boyle

Gavin Collins

About Blue Water Mortgage

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.

Loan Officer FAQs

What does a mortgage loan officer do?

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.

How does a loan officer help you through the home buying 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.

When should you connect 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.

What’s the benefit of working with a local loan officer?

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.

How does a loan officer help you choose the right mortgage?

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.