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!

At Blue Water Mortgage, our experienced team has the knowledge and ability to get your loan closed on time with the best mortgage for you. As independent mortgage brokers, we do this by working with multiple different lenders to offer the largest variety of products and programs, and the most competitive rates.

We also know that the number of loan options can be overwhelming. That’s why our process starts by getting to know you — listening and learning about your needs and goals, and answering all of your questions. At Blue Water, you’ll have your own team of brokers and support staff to make sure you are educated, informed and comfortable at every point of the transaction.

As you explore your options in the home-buying process, we would appreciate the opportunity to work with you to find a mortgage that best fits your needs. Going forward, we want to serve you so effectively that you decide to work with us again and again.

You will benefit from our expertise and advocacy on your behalf, as well as our thorough understanding of all mortgage products and programs and how they can differ from state to state. Plus, you’ll have peace of mind knowing that we are available 24/7 via phone to address any concerns or questions you might have.

Blue Water Mortgage is licensed in New Hampshire, Maine, Massachusetts, Vermont, Connecticut, Rhode Island, North Carolina, Colorado, Florida, Texas, Georgia, and South Carolina.


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Common Loans

10, 15, & 30 Year-Fixed Rate – Fixed rate mortgage loans give the buyer predictable payments because they maintain a fixed interest rate for the entire life of the loan, as opposed to loans where the interest rate may be adjusted. 

Refinancing – Refinancing is a down-the-line option in which homeowners take out a new home loan to replace their existing one (to help reduce monthly payments and gain long-term savings), and the new loan pays off the initial loan.

Conventional – Conventional loans are the most common type of loan. They are private-sector loans that are not backed by the government, and follow guidelines set by national lending entities Fannie Mae and Freddie Mac.

Non-Conventional – These loans cater to borrowers who may have been rejected for a conventional loan due to self-employment, bankruptcy or unsteady employment history.

Adjustable Rate – This mortgage has an adjustable interest rate, which might allow a buyer to start with a lower monthly payment.


Low Down Payment & Government Loans

Low Down Payment – These government-backed loans only require a 3.5% down payment, even for borrowers with less-than-perfect credit.

FHA – These loans are more forgiving for people with lower credit scores – and are designed to help borrowers who might not qualify for conventional loans.

FHA 203K – This government loan is flexible for fixing up homes with deferred maintenance.

VA – Veterans mortgages are like a conventional loan, but with specific benefits for veterans such as no down payment, no cash reserves and no application fee.

USDA – These rural home loans have low rates, no down payment and are designed for borrowers who purchase homes in communities of less than 20,000 people.

Home Loans for Bad Credit – Clear lingering credit history issues and discover a mortgage option that suits your financial situation.

Additional Loans

Jumbo (Non-Conforming) – A Jumbo loan is a mortgage exceeding the conforming lending limit of Fannie Mae or Freddie Mac, which in most areas is $726,200.

Non-Owner Occupied – If you are purchasing a property with between one and four units that will not be your primary residence, you may face more red tape, since these have a higher risk of default.

HELOC – A home equity line of credit, often thought of as a second mortgage, allows the dispersal of the loaned funds at any time the borrower chooses, instead of all at once like a traditional mortgage.

Home Improvement – Whether you’re looking to renovate, remodel or increase the value of your home, this program can help get the job done.

Police & Firefighters – Serving as a first responder in the community can help secure optimal terms on a home mortgage loan.

First Time Home Buyer – We’re happy to help guide you through a transparent and predictable mortgage process.

Why Blue Water Mortgage?
No Surprises
No Surprises
With over 150 years of collective experience, our mortgage brokers have seen it all. This level of expertise enables us to anticipate and quickly resolve any issues that might arise and close on time, every time.
Personalized Services
Personalized Services
Buying a home is one of the biggest purchases you’ll make in your entire life. That’s why our brokers are available via phone 24/7 to address any concerns or answer any questions you might have about the mortgage process.
Competitive Rates
Competitive Rates
Blue Water is locally owned, so we aren’t beholden to banks. That means we’re able to offer a more diverse portfolio of mortgage products tailored to your specific needs, as well as more competitive rates and lower closing costs.
Rated five stars by our amazing customers

Roger worked with me on an extremely complicated deal, and his knowledge, persistence and excellence helped to pull everythin…

Adam Merrill

My experience with Blue Water Mortgage was wonderful. As a first time home buyer, I had many questions and concerns. Laura pa…

Ali Quinton

Laura was great to work with! She took the time to answer all my questions, kept me updated on the process, and helped to mak…

Amanda Hardman

We have worked with Blue Water Mortgage group several times over the years, they helped with our home purchase, sale and refi…

Angie Hoxie

We had a fantastic experience with Blue Water Mortgage. We were referred to them by two of our friends, we would definitely r…

Ashley Acksel

My wife and I just completed a closing with Blue Water and our experience was phenomenal. We had a very quick turnaround from…

Dan McKallagat

Hiccups are always to be expected with an FHA and a first time home buyer. I would recommend the organization and effort with…

Daniel Vermeersch

Blue Water Mortgage was recommended to us by our realtor and we are so glad she did! This is our third time buying a home and…

Diane Oxton

My husband and I recently went through Blue Water Mortgage as first time home buyers with the assistance of Derek and Jay, wh…

Erin Patnode

I have worked with at least a dozen loan officers at different mortgage companies over the past several decades and Lee is by…

Jeff Burbine

We were referred to BlueWater Mortgage through our bank, The Provident and it was a great experience. From the start our cont…

Jeremy Kirkpatrick

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