USDA Rural Home Loans are provided through approved lenders and are designed for borrowers who purchase homes in communities of less than 20,000 people, or certain other USDA approved areas.
(According to USDA.gov)
(* inclusive of the USDA Guarantee Fee) (** property taxes and home insurance would be in addition to this payment)
Blue Water Mortgage is licensed in New Hampshire, Maine, Massachusetts, Connecticut, Vermont, Rhode Island, Florida, North Carolina, Colorado, Texas, Georgia, and South Carolina.
Reading Time: < 1 minuteMy experience with Blue Water Mortgage was wonderful. As a first time home buyer, I had many que…
Reading Time: < 1 minuteLaura was great to work with! She took the time to answer all my questions, kept me updated on t…
Reading Time: < 1 minuteWe had a fantastic experience with Blue Water Mortgage. We were referred to them by two of our f…
Reading Time: < 1 minuteBlue Water Mortgage was recommended to us by our realtor and we are so glad she did! This is our…
Reading Time: < 1 minuteMy husband and I recently went through Blue Water Mortgage as first time home buyers with the as…
Reading Time: < 1 minuteWe were referred to BlueWater Mortgage through our bank, The Provident and it was a great experi…
Reading Time: < 1 minuteIt is rare to find a business that is so dedicated to its customer base. Blue Water Mortgage was…
Reading Time: < 1 minuteThey were wonderful to work with. I highly recommend them. Not only were they able to get me the…
Reading Time: < 1 minuteI highly recommend Blue Water Mortgage! I sought to work with them because they have a reputatio…
Reading Time: < 1 minuteAs a first time home buyer, I had no idea where to begin with the mortgage process. Our realtor …
Reading Time: < 1 minuteIt’s hard to know who to trust in this day and age, but I would highly recommend Blue Wate…
Reading Time: < 1 minuteBlue Water Mortgage has a team of people behind the scenes that most us never see. I was fortuna…
Reading Time: < 1 minuteRoger worked with me on an extremely complicated deal, and his knowledge, persistence and excell…
Reading Time: < 1 minuteWe have worked with Blue Water Mortgage group several times over the years, they helped with our…
Reading Time: < 1 minuteMy wife and I just completed a closing with Blue Water and our experience was phenomenal. We had…
My experience with Blue Water Mortgage was wonderful. As a first time home buyer, I had many questions and concerns. Laura patiently guided me through the process, explaining what was happening each step of the way. My home purchase was on the complicated side, but Laura took every bump in stride, and went the extra mile (several times) to make sure that my closing went smoothly and happened on time. I would highly recommend Blue Water Mortgage to anyone purchasing a home.
Laura was great to work with! She took the time to answer all my questions, kept me updated on the process, and helped to make sure everything went smoothly. Laura took the worrying out of the process, and I knew that I could trust her to look out for my best interest.I really appreciate everything she did and how great she was to work with. I will be using Laura for all my future buying or refinancing needs and I would definitely recommend Laura to all my friends!
We had a fantastic experience with Blue Water Mortgage. We were referred to them by two of our friends, we would definitely refer anyone looking to purchase a home to work with them. As a first time home buyer we had no idea how to start the mortgage process and what to expect. John Riley explained everything to us. Whenever we had a question, which I had many he always picked up his phone or called us right back. He always wanted to make sure we understood what he was saying. Everyone at Blue Water was great they all worked together to help us close. I would recommend anyone looking to buy a house to use Blue Water Mortgage you will have a great experience just like we did. Everyone who is a part of Blue Water is very helpful and caring. They are the best!!!
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 Blue Water helped to make the home buying process a breeze for us. We were able to get pre-qualified for a mortgage within 2 hours of contacting Roger at Blue Mortgage! Every email or phone call was returned promptly. Roger and his staff made sure everything went smoothly. I highly recommend Blue Water Mortgage to anyone who is buying a new home. I know our memories of the process is filled with good ones!
My husband and I recently went through Blue Water Mortgage as first time home buyers with the assistance of Derek and Jay, whom made the process painless. They both made themselves readily available to answer any questions or concerns throughout the entire process. They were extremely attentive and answered with timely responses. They completed the bulk of the paper work, asking for bits and pieces along the way. I was impressed with their level of knowledge and ability to be flexible. Our realtor was also impressed with how easy they were to work with. We would highly recommend using Blue Water Mortgage. Derek and his team ROCK!
We were referred to BlueWater Mortgage through our bank, The Provident and it was a great experience. From the start our contact, Scott, was always attentive, informative and professional. He worked out a great rate, helped us get all of our paperwork in order and answered all questions whenever needed. All of this came together to ensure a smooth and easy closing. I would certainly recommend Blue Water Mortgage to anyone shopping for a mortgage or refinance.
It is rare to find a business that is so dedicated to its customer base. Blue Water Mortgage was able to close faster than much larger firms. Blue Water Mortgage maintained a constant, very professional communication throughout the mortgage process, which was very helpful since I was a first time home buyer. It was a pleasure doing business with this great company, and I would recommend them to anyone looking to purchase a home!
They were wonderful to work with. I highly recommend them. Not only were they able to get me the best/lowest rate easily but they respond very quickly to emails. It made the whole process as stress free as possible.
I highly recommend Blue Water Mortgage! I sought to work with them because they have a reputation of being very patient and thorough for first time home buyers. Lynette, Michelle, Ashley, Megan and their entire team looked after me and made the entire process moving perfectly. Now I live in my FIRST HOME and I love it!!
As a first time home buyer, I had no idea where to begin with the mortgage process. Our realtor referred us to Blue Water to get pre-approved and we were fortunate enough to work with Rick Schlager. Even before we made an offer, Rick was extremely helpful and made sure we would be able to get approved for the condo we ended up falling in love with. Once the actual closing process started we stuck with Blue Water since our experience had been so positive thus far. They also have lawyers who will look over your P&S free of charge, which is a GREAT help during the stressful process. Rick was always available to answer our never ending questions, no matter how simple or small. I would 100% recommend Blue Water to anyone, especially first time home buyers. They made the entire process seamless.
It’s hard to know who to trust in this day and age, but I would highly recommend Blue Water Mortgage to anyone! Their great service and fantastic rates have made me and my family members customers for life!
Blue Water Mortgage has a team of people behind the scenes that most us never see. I was fortunate enough to meet several of them, and all I can say is…..You are in good hands.
Roger worked with me on an extremely complicated deal, and his knowledge, persistence and excellence helped to pull everything together. He invested the time and effort needed to make the deal happen. I had other mortgage companies that would not take on this challenge, but Roger stepped up to the plate and made it happen. I also did another deal with Roger that went extremely quickly and efficiently. Roger would not rush through his calls with me, but take his time to outline all the steps needed. After working with Roger I don’t think that I could work with another loan officer again. I would highly recommend Roger to anyone who is in need or a mortgage.
We have worked with Blue Water Mortgage group several times over the years, they helped with our home purchase, sale and refinancing. Kristina Young especially made the process easy and everyone we worked with was very responsive, worked diligently and happily answer questions along the way. I would definitely use Blue Water Mortgage again in the future and would highly recommend.
My wife and I just completed a closing with Blue Water and our experience was phenomenal. We had a very quick turnaround from offer to close and Roger and Paula were extremely helpful and accessible throughout the entire process. There were a number of setbacks on the seller’s side throughout our close and not only did Blue Water anticipate these scenarios, they made proactive adjustments to the paperwork to make sure the sale was able to proceed without disruption. Additionally, Roger explained in detail the reason behind structuring our offer and mortgage as we did which was a process I really appreciated. We will recommend Blue Water to any friends or family looking to buy.
Use our Down Payment Worksheet to get a idea of what you can afford to spend.
Gathering the documents in this checklist will help speed up the application process.
Our Property Rating Worksheet has helped countless home buyers make the necessary comparisons to ensure they're making the right decision.
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, 75% loan to value, 780 credit score, single family property, primary residence, escrowing taxes and insurance, debt ratio within program guidelines.
Rates posted are effective as of 9/24/2024.