10, 15, & 30 Year Fixed Rate Mortgages in NH, MA, ME, VT, CT, RI, NC, CO & FL
Find the mortgage that is right for you.
Fixed Rate mortgage loans maintain a fixed interest rate for the entire life of the loan, as opposed to loans where the interest rate may be adjusted. Because of this, they offer predictable payments, and are ideal for buyers that intend to be in their home for a long time. They come in varieties based on the loan period: 10 year, 15 year, and 30 year. The shorter the loan period, the lower the interest rate but the higher the monthly payments.
Fixed rate mortgages are our most popular loan. Our depth of experience and industry connections allows us to offer competitive fixed rate loans for new purchases or refinancing.
The programs shown above are a few of the many loan programs available at Blue Water Mortgage. For additional program options and for your personalized quote, click here to speak with one of our expert loan officers, or start your online application* now.
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.
Rates posted are effective as of 8/1/23.
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.
There are several things you can control that will have a positive impact on your rate:
Improve your credit score.
Make a larger down payment.
Improve your debt-to-income ratio.
Explore your loan options.
My experience with Blue Water Mortgage was wonderful. As a first time home buyer, I had many questions and concerns. Laura pa…
We have worked with Blue Water Mortgage group several times over the years, they helped with our home purchase, sale and refi…
We were referred to BlueWater Mortgage through our bank, The Provident and it was a great experience. From the start our cont…
My wife and I recently obtained a mortgage through Blue Water Mortgage for the purchase of our home in Hampton, NH. The servi…
I highly recommend Blue Water Mortgage! I sought to work with them because they have a reputation of being very patient and t…
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 …
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.
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.
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.
My wife and I recently obtained a mortgage through Blue Water Mortgage for the purchase of our home in Hampton, NH. The services provided by Kris and the Blue Water Mortgage staff were outstanding throughout the entire process. From the time we needed a commitment letter through the closing, Kris and the staff were responsive, friendly and knowledgable which made the loan process go smoothly and without any issues. We highly recommend Blue Water Mortgage to anyone looking for an A+ mortgage broker.
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.
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.