Today’s Great Rates

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Mortgage rates are near all-time lows and lenders are adapting well to the many changes in our business over the last 24 months. The vintage of soundly underwritten loans made over the last 24 months, and coming over the next few years, will provide a solid foundation for a great housing market recovery.

APR is based on a purchase mortgage $200,000 loan amount with 25% down, over 740 middle credit score, and debt to income ratio within program guidelines, interest rates are not guaranteed and are subject to change without notice. Many other programs and rates available for refinancing, lower down payments, and for borrowers with lower credit scores.

Please call us for today’s rates.

Click on the link below to see 30 – Year Fixed Rate Mortgages Since 1983
http://www.homefinders.com/historical-interest-rates/

Contrary to what you might be hearing, there is plenty of money available for borrowers with credit scores over 640 and verifiable income. An FHA loan is a great program for borrowers looking to put as little as 3.5% down. In most areas borrowers are able to do zero down payment with a USDA rural housing loan. A VA loan is another great option for veterans. It allows for zero down payment and no monthly mortgage insurance. Conventional mortgages start at 5% down payment and are one of the most common loans made today.

Here is a link to our products page www.bluewatermtg.com/loans.html
Yes, getting a mortgage has become more complex, but an experienced loan officer who knows their product, is organized, and cares about your needs can easily help you obtain your loan in this market.
Please visit us to learn more. The average tenure for our loan officers is over eight years in the business. We have a well-organized process. We are constantly attending continuing education classes to ensure we are delivering a terrific customer experience.

Roger Odoardi

Roger is an owner and licensed Loan Officer at Blue Water Mortgage. He graduated from the University of New Hampshire’s Whittemore School of Business and has been a leader in the mortgage industry for over 20 years. Roger has personally originated over 2500 residential loans and is considered to be in the top 1% of NH Loan Officers by leading national lender United Wholesale Mortgage.