Licensed in NH, ME, MA, & CT

Purchasing a Home
Opportunities Ahead. Thinking about a purchase?

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Lower Payments, consolidated debt, extra cash.

What can you gain by refinancing?

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Home Loans for Bad Credit

Is your credit score like your shadow? Constantly following you around, tailing your every move—throughout what should be some of your most important moments in life?

Financially speaking, a poor credit score can mean some challenging times ahead, especially when it comes to securing financing for an auto loan or getting approved for a credit card. In the case of home ownership, however, things can get even a bit more complicated.

But just because it’s challenging doesn’t mean it’s not possible.

With Blue Water Mortgage as your mortgage broker, your bad credit will no longer be a barrier between getting a home loan and buying a home.

The first step in getting approved for a home loan with bad credit is to clear up any lingering issues related to your credit history and finding the right type of mortgage that fits your financial situation. That’s where the team at Blue Water comes in.

With over 100 years of collective mortgage experience, our team of brokers has helped countless homebuyers get access to home loans—despite having patchy credit histories. As independent mortgage brokers we are able to work with lenders to offer a variety of mortgages—the most popular of which involves home loans for bad credit.

Why Blue Water?

Blue Water’s team has over 100 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.

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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

10 Questions to Ask When Buying a Home

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

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

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Monthly Budget Worksheet

Determine just how much you’re able to afford on a monthly basis to ensure you’re not in over your head with your monthly mortgage payments.

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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.