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Low Down Payment Government Loans

Low Down Payment Government Loans require a down payment of only 3.5%. Better yet, the down payment and other closing costs can be gifted from a relative, or provided by another government or charity organization.

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VA Loans

The Veterans Administration offers loans to veterans of the armed services. These mortgages have no down payment and comparatively low rates compared to conventional loans.

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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.

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

Ali Quinton

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

Angie Hoxie

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

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

I have worked with Blue Water twice now. They set the bar for excellence and professionalism. They communicate clearly about …

Jessica Felizardo

As a first time home buyer my experience with Blue Water Mortgage was excellent. Jim Collins was recommended to me by my real…

Kristina C.

I highly recommend Blue Water Mortgage! I sought to work with them because they have a reputation of being very patient and t…

Michele Cota

Jason and Ann are the new Dynamic Duo! Our situation was less than perfect. Jason and Ann worked to make our dreams a reality…

Lisa Finch

Working with Blue Water Mortgage Corp was a great experience. My wife and I could not be happier with the process. We felt li…

Richard Genest

Blue Water Mortgage is fantastic! We just recently refinanced with them again, and it was smooth sailing. We contacted them a…

Sarah Natt

Excellent experience. Roger and his team work unbelievably hard to get the job done. Always available and happy to explain/ad…

Silas Laycock

Blue Water Mortgage has a team of people behind the scenes that most us never see. I was fortunate enough to meet several of …

Tom Carroll

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 …

Steph Cormier

We had a very quick home search process Kristina and Paula made it happen for us! Kristina was in constant communication to k…

The Baileys

It’s hard to know who to trust in this day and age, but I would highly recommend Blue Water Mortgage to anyone! Their g…

Scott Welty

Frequently Asked Questions

How many months of bank statements do I have to provide?
Do I have to provide cancelled rent checks if I’m a first time home buyer?
How many years of income do I need to show if I’m a self employed borrower?
Do I have to pay mortgage insurance for the life of the loan
How do Open Charge Cards (AMEX) impact my debt ratio?

The Mortgage Process

Getting to Know You & Getting On Track
In our first meeting, we’ll answer your questions and talk about the programs we offer that would best fit your situation.
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Getting Pre-Qualified
The next step in the mortgage loan process is applying for pre-qualification, which enables us to confidentially verify your credit, income, assets, and liabilities.
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Assessing Loan Programs & Rates
At this point, we’ll start to sort through and evaluate which mortgage best fits your needs.
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Obtaining Loan Approval
Once you’ve submitted your loan application, we’ll work with our lenders to help find you the best rate and most favorable terms possible.
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Closing the Loan
After your loan is approved, we’ll review the details once more to make sure you feel confident about the financial commitment you are about to make. Once all of your questions are answered, we will schedule a closing.
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Home Loan Resources

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

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.