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Home Mortgages for Police & Firefighters | CT, FL, MA, ME, NH

Every day police officers and firefighters put themselves in harm’s way to protect the community around them.

As law enforcement and first responders, these men and women undoubtedly deserve our respect and admiration for their sacrifices.

At Blue Water Mortgage, we pride ourselves on having helped secure mortgages for these law enforcement and first responder heroes from all throughout New England. Since our founding in 2002, our brokers have done numerous police and firefighter home loans for first responders from as nearby as Hampton and Portsmouth to other areas of New England.

Completing a police mortgage or firefighter home loan is very easy for us to accomplish and are some of our favorite loans to handle. Here’s why:

Police Home Loans are…

  1. SAFE because police officers traditionally have a very stable/increasing income
  2. AFFORDABLE because that steady income often translates to lower mortgage rates
  3. AN HONOR because public service should be rewarded

Firefighter Home Loans are…

  1. SECURE because firefighters also have a generally stable income
  2. ECONOMICAL compared to traditional loans thanks to low mortgage rates
  3. A TRIBUTE to those who protect life and property

Our brokers understand how to leverage a first responder’s role in the community as a way of securing optimal terms on a home mortgage loan.

Many first responders are also veterans, meaning they qualify for all of the perks that come along with VA loans – such as no down payment, lower rates, and no mortgage insurance.

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.

Roger worked with me on an extremely complicated deal, and his knowledge, persistence and excellence helped to pull everythin…

Adam Merrill

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

Ali Quinton

Laura was great to work with! She took the time to answer all my questions, kept me updated on the process, and helped to mak…

Amanda Hardman

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

Angie Hoxie

We had a fantastic experience with Blue Water Mortgage. We were referred to them by two of our friends, we would definitely r…

Ashley Acksel

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…

Diane Oxton

My husband and I recently went through Blue Water Mortgage as first time home buyers with the assistance of Derek and Jay, wh…

Erin Patnode

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

Michele Cota

We started my home buying experience we where told by many mortgage companies we had to wait 3 years. I was doing a VA loan. …

Mark Johnson

They were wonderful to work with. I highly recommend them. Not only were they able to get me the best/lowest rate easily but …

Nathaniel Toutenel

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

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

I honestly wouldn’t go elsewhere! We were looking to buy our house about 4 years ago and a friend referred us to Jason …

Kristina Valante

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

Silas Laycock
Get Started Today with Blue Water Mortgage

Frequently Asked Questions

The Mortgage Process

Blue Water’s mortgage loan process timeline involves a series of five steps, some of which require sitting down with one of our experts to analyze all aspects of your financial health. Here’s what you can expect:
1. 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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2. 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

Worksheet

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

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Checklist

Before you start looking at properties it's best to figure out what you can't live without.

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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.

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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.