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Home Improvement Loans

Looking to add some value or comfort to your home? Through our home improvement loans program, Blue Water Mortgage can help you make sure you have the money to get the job done. Whether you are renovating, remodeling, finishing a basement or attic, or just making your space more livable, we offer a variety of loans for home improvement. You may want to borrow if you are looking to:

Update a dated home

No need to move out. Increase or adjust your living space without leaving your neighborhood.

Customize your space

Make changes to your home to fit your lifestyle. Need a man cave? Playroom? In-law apartment? You can get financing for it.

Fix a foreclosure or short-sale

If you are trying to increase value on a home, a home improvement loan may be the best way to do it.

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

Can I exclude an installment debt like a car loan if I have less than 10 payments left?
Can I exclude debts that I co-signed (contingent liability)?
Can we roll closing costs into the loan on a purchase?
How do Open Charge Cards (AMEX) impact my debt ratio?
How many months of bank statements do I have to provide?
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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


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

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Gathering the documents in this checklist will help speed up the application process.

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Property Rating Worksheet

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

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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.