Licensed in NH, ME, MA, CT, & FL

Purchasing a Home
Opportunities Ahead. Thinking about a purchase?

Let us simplify the experience

Understand Purchasing
Refinancing
Lower Payments, consolidated debt, extra cash.

What can you gain by refinancing?

Explore Refinancing

Low Down Payment Gov’t Loans

The government offers loan programs to those that might not otherwise qualify for a conventional loan. Blue Water Mortgage is happy to help borrowers who may not be served well by other loans by offering these programs.

FHA (Purchase & Refi)

Low Down Payment Government Mortgage Loans are more forgiving for those with lower credit scores – and are designed to help borrowers that might not qualify for conventional loans.

Learn More >

FHA 203K Renovation Loan (Purchase & Refi)

A government loan for rehabilitating homes with deferred maintenance. Offers a good deal of flexibility when working on a fixer-upper.

Learn More >

VA (Purchase & Refi)

A mortgage loan for service members and veterans issued by approved lenders and guaranteed by the federal government.

Learn More >

USDA (Purchase)

A government loan for homebuyers to afford homes in rural or low-population areas

Learn More >

Why Blue Water?

Blue Water’s team has over 150 years of collective mortgage experience we have the knowledge and ability to get your loan closed on time with the best terms and lowest rates for you.

Frequently Asked Questions

Privacy Policy

Blue Water Mortgage Customer Reviews

The loan experience could not have been any better. As a first-time Home Buyer, I had questions and Blue Water Mortgage was willing and able to answer them all.  I would recommend Blue Water to anyone looking for a home mortgage.

Jane S. Bedford, NH

I would recommend the organization with a 10 out of 10. They worked through a ton of grey area to get through a few last minute road blocks. I really felt like they were putting in the extra effort for me. I would absolutely recommend Blue Water to any first time home buyer.

Dan V. Kittery, ME

My experience with Blue Water Mortgage was fantastic. The representatives were very professional and treated me as though I was their most important customer. I was a first time home buyer and Blue Water Mortgage took the stress out of a normally stressful process.

Chris D. Longmeadow, MA

Home Loan Resources

Worksheet

Use our Down Payment Worksheet to get a idea of what you can afford to spend.

Download Now
10 Questions to Ask When Buying a Home
eBook

This ebook will help you better understand the home buying process so you can make a more informed buying decision.

Get the eBook
Property Rating Worksheet
Worksheet

Our Property Rating Worksheet has helped countless home buyers make the necessary comparisons to ensure they're making the right decision.

Download Worksheet

Please be advised that your actual rate, payment, and cost could be higher. Get an official Loan Estimate before choosing a loan. This estimate is provided for informational purposes ONLY, to assist you in determining an estimate of cash that may be required to close and an estimate of your proposed monthly mortgage payment. Actual charges may be more or less, and your transaction may not involve a fee for every item listed.

Rate and APR based on the following assumptions: Purchase Price of $250,000, loan amount of $200,000, 80% loan to value, 740 credit score, single family property, primary residence, escrowing taxes and insurance, debt ratio within program guidelines.