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BLUE WATER MORTGAGE
Our Brokers. When you partner with Blue Water Mortgage, you have access to a combined 150 years of lending experience. Our talented brokers consistently leverage their industry know-how to help our clients — from first time home buyers to seasoned investors — land their dream properties. THE PROS AND CONS OF BUYING A SECOND HOME IN MAINEBUYING HOUSE IN MAINEBUYING PROPERTY IN MAINESTATE OF MAINE ADVANTAGE LOG INBEST MORTGAGE RATES IN MAINEPROPERTY FOR SALE IN MAINESALES TAX IN MAINE 3 Reasons to Consider Buying Second Home. Aside from the obvious benefits of owning a second home in Maine — namely, the freedom to enjoy some quality rest and relaxation — there are some practical advantages: Get a return on your investment. A second home, be it a vacation home or an investment property, is a valuable asset. AM I ELIGIBLE FOR A USDA LOAN IN THE STATE OF MAINE To be eligible for the USDA home loan program, a property must be located in a rural area with a population no higher than 35,000. The USDA defines “rural area” as any property in open country that isn’t part of or associated with an urban area. Fortunately, the vast majority of Maine — with the exception of the more populousareas
PETER KARLS
7 Merrill Industrial Dr Hampton, NH 03842 Phone: 603.926.9695 Fax:603.926.9694
5 MISCONCEPTIONS ABOUT BUYING A SECOND HOME IN MASSACHUSETTSCHEAP HOMES IN MASSACHUSETTSPERSONAL PROPERTY TAX IN MASSACHUSETTSSECOND HOME DOWN PAYMENT REQUIREMENTMINIMUM DOWN PAYMENT ON A HOUSELAKEFRONT PROPERTY MASSACHUSETTSOCEANFRONT PROPERTY MASSACHUSETTS Roger is an owner and licensed Loan Officer at the Blue Water Mortgage office in Hampton, NH. Roger graduated from the University of New Hampshire Whittemore School of Business and has been in the mortgage industry for over 20 years.ROGER ODOARDI
About Roger. I strive to develop a relationship based on mutual trust and respect with each and every client. I take pride in these relationships and spend the majority of my time exploring my clients’ unique circumstances and helping them understand the variety of options available to them. In this business, I feel that itis important to be
KERRY DONOVAN
Kerry has a BA in Communications and Marketing from Emerson College. She came to Blue Water Mortgage from Marketplace Mortgage in January of 2019. Prior to working as a loan officer she spent 23 years in the financial services profession. Her guiding principal and belief is tobe true to herself.
HOW DO OPEN CHARGE CARDS (AMEX) IMPACT MY DEBT RATIO? Freddie Mac (Conventional): You are allowed to factor 5% of the balance of your open charge card as a payment into your debt ratio. If you want to exclude this payment from the debt ratio, you must provide bank statements showing sufficient liquid funds to pay balance in HOUSE I AM BUYING APPRAISES FOR HIGHER THAN AGREED PRICE? VA: At the time of purchase the value is based on the lesser of the appraised value or purchase price. Therefore, if the house appraises higher you still must base your down payment on the actual purchase price. If you’re in a situation where the home you’re buying appraises for more than you agreed to buy it for, sit tight and bepatient.
BLUE WATER WELCOMES LOAN OFFICER ANNE MOODEY TO THE TEAM April 30, 2018 (Hampton, NH) — Blue Water Mortgage Corporation, an independent mortgage broker serving Massachusetts, New Hampshire, Maine and Connecticut, is pleased to welcome loan officer Anne Moodey to the team. With over 20 years of experience in the mortgage industry and a solid background in financial services in general, Anne brings a unique perspective on homeownershipBLUE WATER MORTGAGE
Our Brokers. When you partner with Blue Water Mortgage, you have access to a combined 150 years of lending experience. Our talented brokers consistently leverage their industry know-how to help our clients — from first time home buyers to seasoned investors — land their dream properties. THE PROS AND CONS OF BUYING A SECOND HOME IN MAINEBUYING HOUSE IN MAINEBUYING PROPERTY IN MAINESTATE OF MAINE ADVANTAGE LOG INBEST MORTGAGE RATES IN MAINEPROPERTY FOR SALE IN MAINESALES TAX IN MAINE 3 Reasons to Consider Buying Second Home. Aside from the obvious benefits of owning a second home in Maine — namely, the freedom to enjoy some quality rest and relaxation — there are some practical advantages: Get a return on your investment. A second home, be it a vacation home or an investment property, is a valuable asset. AM I ELIGIBLE FOR A USDA LOAN IN THE STATE OF MAINE To be eligible for the USDA home loan program, a property must be located in a rural area with a population no higher than 35,000. The USDA defines “rural area” as any property in open country that isn’t part of or associated with an urban area. Fortunately, the vast majority of Maine — with the exception of the more populousareas
PETER KARLS
7 Merrill Industrial Dr Hampton, NH 03842 Phone: 603.926.9695 Fax:603.926.9694
5 MISCONCEPTIONS ABOUT BUYING A SECOND HOME IN MASSACHUSETTSCHEAP HOMES IN MASSACHUSETTSPERSONAL PROPERTY TAX IN MASSACHUSETTSSECOND HOME DOWN PAYMENT REQUIREMENTMINIMUM DOWN PAYMENT ON A HOUSELAKEFRONT PROPERTY MASSACHUSETTSOCEANFRONT PROPERTY MASSACHUSETTS Roger is an owner and licensed Loan Officer at the Blue Water Mortgage office in Hampton, NH. Roger graduated from the University of New Hampshire Whittemore School of Business and has been in the mortgage industry for over 20 years.ROGER ODOARDI
About Roger. I strive to develop a relationship based on mutual trust and respect with each and every client. I take pride in these relationships and spend the majority of my time exploring my clients’ unique circumstances and helping them understand the variety of options available to them. In this business, I feel that itis important to be
KERRY DONOVAN
Kerry has a BA in Communications and Marketing from Emerson College. She came to Blue Water Mortgage from Marketplace Mortgage in January of 2019. Prior to working as a loan officer she spent 23 years in the financial services profession. Her guiding principal and belief is tobe true to herself.
HOW DO OPEN CHARGE CARDS (AMEX) IMPACT MY DEBT RATIO? Freddie Mac (Conventional): You are allowed to factor 5% of the balance of your open charge card as a payment into your debt ratio. If you want to exclude this payment from the debt ratio, you must provide bank statements showing sufficient liquid funds to pay balance in HOUSE I AM BUYING APPRAISES FOR HIGHER THAN AGREED PRICE? VA: At the time of purchase the value is based on the lesser of the appraised value or purchase price. Therefore, if the house appraises higher you still must base your down payment on the actual purchase price. If you’re in a situation where the home you’re buying appraises for more than you agreed to buy it for, sit tight and bepatient.
BLUE WATER WELCOMES LOAN OFFICER ANNE MOODEY TO THE TEAM April 30, 2018 (Hampton, NH) — Blue Water Mortgage Corporation, an independent mortgage broker serving Massachusetts, New Hampshire, Maine and Connecticut, is pleased to welcome loan officer Anne Moodey to the team. With over 20 years of experience in the mortgage industry and a solid background in financial services in general, Anne brings a unique perspective on homeownership SECOND HOME MORTGAGES IN NORTH CAROLINA: WHAT YOU NEED TO KNOW Not only is North Carolina one of the most beautiful places to visit, but it is also one of the most affordable places to have a second home. From the growing industrial hubs in the city of Charlotte to the peaceful shorelines on the coast of Beaufort, the Tar Heel State is a popular place for tourists to visit and vacationers to dwell. REFINANCING OPTIONS BEFORE OR AFTER A DIVORCE Cash-Out Refinancing. This is a common refinancing option for those needing to buy out their spouse. With this process, you refinance your mortgage for more than you currently owe and take the difference in cash. So, if you owe $200,000 on your home, you’d take out $225,000 and give your spouse the extra $25,000 so you can buy out their share. DO I NEED A PRIVATE ROAD MAINTENANCE AGREEMENT TO GET A FHA: A Private Road Maintenance Agreement is not required, however you will be asked to provide a recorded road easement. USDA: Requirements are determined on a case-by-case basis. VA: A Private Road Maintenance Agreement is required. Blue Water Mortgage is licensed in New Hampshire , Maine , Massachusetts , Connecticut , Florida, and North BUYING A HOME AFTER A SHORT SALE? 5 THINGS YOU NEED TO KNOW Roger Odoardi. Buying a home after a short sale is not impossible. Yes, it’s true: the cards may be stacked against you. But getting a home loan after going through a short sale is very much achievable. Before we get into the reasons why buying a home after a short sale is indeed possible, let’s define what a short sale is and why it THE LAKE HOUSE: GETTING A SECOND HOME MORTGAGE Expect lenders to put your debt-to-income ratio under closer scrutiny for your second mortgage than your first home. Lenders will want this number to be low — generally below 36. 45% same as a primary home The lower your debt-to-income ratio is, the greater your chance is 4 BASIC THINGS YOU SHOULD KNOW ABOUT OFFER LETTER LOANS An offer letter loan is any type of mortgage that receives lender approval based on a job offer letter. The lender uses your future income — your estimated earnings in your new position — to calculate your ability to repay and determine the amount you can borrow. Offer letter loans are based on either a fixed-rate or anadjustable rate
GETTING A MORTGAGE AFTER A DIVORCE? READ THIS FIRST As a result, getting a mortgage after a divorce with common debt that survives the split can make it tricky to find a new home mortgage loan. It can also leave your credit exposed if old loans/mortgages are not refinanced out of your name. Also, being “quit claimed” off a deed does not exclude you from being marked late down the road. TIPS FOR FIRST TIME HOMEBUYERS: HOW TO PAY YOUR PROPERTY TAXES A first time homebuyer can arrange their mortgage loan in such a fashion that the property taxes they owe are essentially woven within their mortgage payment each month. The amount owed for tax purposes is typically put in an escrow account, and then paid to the municipality when due. Many lenders prefer to do this because it assures that theROGER ODOARDI
About Roger. I strive to develop a relationship based on mutual trust and respect with each and every client. I take pride in these relationships and spend the majority of my time exploring my clients’ unique circumstances and helping them understand the variety of options available to them. In this business, I feel that itis important to be
DO I HAVE TO PAY MORTGAGE INSURANCE FOR THE LIFE OF THE Do I have to pay mortgage insurance for the life of the loan? The answer is: Yes, and No. It ultimately depends upon whether you use conventional or nonconventional financing. See below: Fannie Mae (Conventional): Private Mortgage Insurance (PMI) will drop off once the loan balance reaches 78% of the original purchase price. FreddieMac
BLUE WATER MORTGAGE
Our Brokers. When you partner with Blue Water Mortgage, you have access to a combined 150 years of lending experience. Our talented brokers consistently leverage their industry know-how to help our clients — from first time home buyers to seasoned investors — land their dream properties. THE PROS AND CONS OF BUYING A SECOND HOME IN MAINEBUYING HOUSE IN MAINEBUYING PROPERTY IN MAINESTATE OF MAINE ADVANTAGE LOG INBEST MORTGAGE RATES IN MAINEPROPERTY FOR SALE IN MAINESALES TAX IN MAINE 3 Reasons to Consider Buying Second Home. Aside from the obvious benefits of owning a second home in Maine — namely, the freedom to enjoy some quality rest and relaxation — there are some practical advantages: Get a return on your investment. A second home, be it a vacation home or an investment property, is a valuable asset. AM I ELIGIBLE FOR A USDA LOAN IN THE STATE OF MAINE To be eligible for the USDA home loan program, a property must be located in a rural area with a population no higher than 35,000. The USDA defines “rural area” as any property in open country that isn’t part of or associated with an urban area. Fortunately, the vast majority of Maine — with the exception of the more populousareas
PETER KARLS
7 Merrill Industrial Dr Hampton, NH 03842 Phone: 603.926.9695 Fax:603.926.9694
5 MISCONCEPTIONS ABOUT BUYING A SECOND HOME IN MASSACHUSETTSCHEAP HOMES IN MASSACHUSETTSPERSONAL PROPERTY TAX IN MASSACHUSETTSSECOND HOME DOWN PAYMENT REQUIREMENTMINIMUM DOWN PAYMENT ON A HOUSELAKEFRONT PROPERTY MASSACHUSETTSOCEANFRONT PROPERTY MASSACHUSETTS Roger is an owner and licensed Loan Officer at the Blue Water Mortgage office in Hampton, NH. Roger graduated from the University of New Hampshire Whittemore School of Business and has been in the mortgage industry for over 20 years.ROGER ODOARDI
About Roger. I strive to develop a relationship based on mutual trust and respect with each and every client. I take pride in these relationships and spend the majority of my time exploring my clients’ unique circumstances and helping them understand the variety of options available to them. In this business, I feel that itis important to be
KERRY DONOVAN
Kerry has a BA in Communications and Marketing from Emerson College. She came to Blue Water Mortgage from Marketplace Mortgage in January of 2019. Prior to working as a loan officer she spent 23 years in the financial services profession. Her guiding principal and belief is tobe true to herself.
HOW DO OPEN CHARGE CARDS (AMEX) IMPACT MY DEBT RATIO? Freddie Mac (Conventional): You are allowed to factor 5% of the balance of your open charge card as a payment into your debt ratio. If you want to exclude this payment from the debt ratio, you must provide bank statements showing sufficient liquid funds to pay balance in HOUSE I AM BUYING APPRAISES FOR HIGHER THAN AGREED PRICE? VA: At the time of purchase the value is based on the lesser of the appraised value or purchase price. Therefore, if the house appraises higher you still must base your down payment on the actual purchase price. If you’re in a situation where the home you’re buying appraises for more than you agreed to buy it for, sit tight and bepatient.
BLUE WATER WELCOMES LOAN OFFICER ANNE MOODEY TO THE TEAM April 30, 2018 (Hampton, NH) — Blue Water Mortgage Corporation, an independent mortgage broker serving Massachusetts, New Hampshire, Maine and Connecticut, is pleased to welcome loan officer Anne Moodey to the team. With over 20 years of experience in the mortgage industry and a solid background in financial services in general, Anne brings a unique perspective on homeownershipBLUE WATER MORTGAGE
Our Brokers. When you partner with Blue Water Mortgage, you have access to a combined 150 years of lending experience. Our talented brokers consistently leverage their industry know-how to help our clients — from first time home buyers to seasoned investors — land their dream properties. THE PROS AND CONS OF BUYING A SECOND HOME IN MAINEBUYING HOUSE IN MAINEBUYING PROPERTY IN MAINESTATE OF MAINE ADVANTAGE LOG INBEST MORTGAGE RATES IN MAINEPROPERTY FOR SALE IN MAINESALES TAX IN MAINE 3 Reasons to Consider Buying Second Home. Aside from the obvious benefits of owning a second home in Maine — namely, the freedom to enjoy some quality rest and relaxation — there are some practical advantages: Get a return on your investment. A second home, be it a vacation home or an investment property, is a valuable asset. AM I ELIGIBLE FOR A USDA LOAN IN THE STATE OF MAINE To be eligible for the USDA home loan program, a property must be located in a rural area with a population no higher than 35,000. The USDA defines “rural area” as any property in open country that isn’t part of or associated with an urban area. Fortunately, the vast majority of Maine — with the exception of the more populousareas
PETER KARLS
7 Merrill Industrial Dr Hampton, NH 03842 Phone: 603.926.9695 Fax:603.926.9694
5 MISCONCEPTIONS ABOUT BUYING A SECOND HOME IN MASSACHUSETTSCHEAP HOMES IN MASSACHUSETTSPERSONAL PROPERTY TAX IN MASSACHUSETTSSECOND HOME DOWN PAYMENT REQUIREMENTMINIMUM DOWN PAYMENT ON A HOUSELAKEFRONT PROPERTY MASSACHUSETTSOCEANFRONT PROPERTY MASSACHUSETTS Roger is an owner and licensed Loan Officer at the Blue Water Mortgage office in Hampton, NH. Roger graduated from the University of New Hampshire Whittemore School of Business and has been in the mortgage industry for over 20 years.ROGER ODOARDI
About Roger. I strive to develop a relationship based on mutual trust and respect with each and every client. I take pride in these relationships and spend the majority of my time exploring my clients’ unique circumstances and helping them understand the variety of options available to them. In this business, I feel that itis important to be
KERRY DONOVAN
Kerry has a BA in Communications and Marketing from Emerson College. She came to Blue Water Mortgage from Marketplace Mortgage in January of 2019. Prior to working as a loan officer she spent 23 years in the financial services profession. Her guiding principal and belief is tobe true to herself.
HOW DO OPEN CHARGE CARDS (AMEX) IMPACT MY DEBT RATIO? Freddie Mac (Conventional): You are allowed to factor 5% of the balance of your open charge card as a payment into your debt ratio. If you want to exclude this payment from the debt ratio, you must provide bank statements showing sufficient liquid funds to pay balance in HOUSE I AM BUYING APPRAISES FOR HIGHER THAN AGREED PRICE? VA: At the time of purchase the value is based on the lesser of the appraised value or purchase price. Therefore, if the house appraises higher you still must base your down payment on the actual purchase price. If you’re in a situation where the home you’re buying appraises for more than you agreed to buy it for, sit tight and bepatient.
BLUE WATER WELCOMES LOAN OFFICER ANNE MOODEY TO THE TEAM April 30, 2018 (Hampton, NH) — Blue Water Mortgage Corporation, an independent mortgage broker serving Massachusetts, New Hampshire, Maine and Connecticut, is pleased to welcome loan officer Anne Moodey to the team. With over 20 years of experience in the mortgage industry and a solid background in financial services in general, Anne brings a unique perspective on homeownership SECOND HOME MORTGAGES IN NORTH CAROLINA: WHAT YOU NEED TO KNOW Not only is North Carolina one of the most beautiful places to visit, but it is also one of the most affordable places to have a second home. From the growing industrial hubs in the city of Charlotte to the peaceful shorelines on the coast of Beaufort, the Tar Heel State is a popular place for tourists to visit and vacationers to dwell. REFINANCING OPTIONS BEFORE OR AFTER A DIVORCE Cash-Out Refinancing. This is a common refinancing option for those needing to buy out their spouse. With this process, you refinance your mortgage for more than you currently owe and take the difference in cash. So, if you owe $200,000 on your home, you’d take out $225,000 and give your spouse the extra $25,000 so you can buy out their share. DO I NEED A PRIVATE ROAD MAINTENANCE AGREEMENT TO GET A FHA: A Private Road Maintenance Agreement is not required, however you will be asked to provide a recorded road easement. USDA: Requirements are determined on a case-by-case basis. VA: A Private Road Maintenance Agreement is required. Blue Water Mortgage is licensed in New Hampshire , Maine , Massachusetts , Connecticut , Florida, and North BUYING A HOME AFTER A SHORT SALE? 5 THINGS YOU NEED TO KNOW Roger Odoardi. Buying a home after a short sale is not impossible. Yes, it’s true: the cards may be stacked against you. But getting a home loan after going through a short sale is very much achievable. Before we get into the reasons why buying a home after a short sale is indeed possible, let’s define what a short sale is and why it THE LAKE HOUSE: GETTING A SECOND HOME MORTGAGE Expect lenders to put your debt-to-income ratio under closer scrutiny for your second mortgage than your first home. Lenders will want this number to be low — generally below 36. 45% same as a primary home The lower your debt-to-income ratio is, the greater your chance is 4 BASIC THINGS YOU SHOULD KNOW ABOUT OFFER LETTER LOANS An offer letter loan is any type of mortgage that receives lender approval based on a job offer letter. The lender uses your future income — your estimated earnings in your new position — to calculate your ability to repay and determine the amount you can borrow. Offer letter loans are based on either a fixed-rate or anadjustable rate
GETTING A MORTGAGE AFTER A DIVORCE? READ THIS FIRST As a result, getting a mortgage after a divorce with common debt that survives the split can make it tricky to find a new home mortgage loan. It can also leave your credit exposed if old loans/mortgages are not refinanced out of your name. Also, being “quit claimed” off a deed does not exclude you from being marked late down the road. TIPS FOR FIRST TIME HOMEBUYERS: HOW TO PAY YOUR PROPERTY TAXES A first time homebuyer can arrange their mortgage loan in such a fashion that the property taxes they owe are essentially woven within their mortgage payment each month. The amount owed for tax purposes is typically put in an escrow account, and then paid to the municipality when due. Many lenders prefer to do this because it assures that theROGER ODOARDI
About Roger. I strive to develop a relationship based on mutual trust and respect with each and every client. I take pride in these relationships and spend the majority of my time exploring my clients’ unique circumstances and helping them understand the variety of options available to them. In this business, I feel that itis important to be
DO I HAVE TO PAY MORTGAGE INSURANCE FOR THE LIFE OF THE Do I have to pay mortgage insurance for the life of the loan? The answer is: Yes, and No. It ultimately depends upon whether you use conventional or nonconventional financing. See below: Fannie Mae (Conventional): Private Mortgage Insurance (PMI) will drop off once the loan balance reaches 78% of the original purchase price. FreddieMac
BLUE WATER MORTGAGE
Our Brokers. When you partner with Blue Water Mortgage, you have access to a combined 150 years of lending experience. Our talented brokers consistently leverage their industry know-how to help our clients — from first time home buyers to seasoned investors — land their dream properties. THE PROS AND CONS OF BUYING A SECOND HOME IN MAINEBUYING HOUSE IN MAINEBUYING PROPERTY IN MAINESTATE OF MAINE ADVANTAGE LOG INBEST MORTGAGE RATES IN MAINEPROPERTY FOR SALE IN MAINESALES TAX IN MAINE 3 Reasons to Consider Buying Second Home. Aside from the obvious benefits of owning a second home in Maine — namely, the freedom to enjoy some quality rest and relaxation — there are some practical advantages: Get a return on your investment. A second home, be it a vacation home or an investment property, is a valuable asset. AM I ELIGIBLE FOR A USDA LOAN IN THE STATE OF MAINE To be eligible for the USDA home loan program, a property must be located in a rural area with a population no higher than 35,000. The USDA defines “rural area” as any property in open country that isn’t part of or associated with an urban area. Fortunately, the vast majority of Maine — with the exception of the more populousareas
PETER KARLS
7 Merrill Industrial Dr Hampton, NH 03842 Phone: 603.926.9695 Fax:603.926.9694
5 MISCONCEPTIONS ABOUT BUYING A SECOND HOME IN MASSACHUSETTSCHEAP HOMES IN MASSACHUSETTSPERSONAL PROPERTY TAX IN MASSACHUSETTSSECOND HOME DOWN PAYMENT REQUIREMENTMINIMUM DOWN PAYMENT ON A HOUSELAKEFRONT PROPERTY MASSACHUSETTSOCEANFRONT PROPERTY MASSACHUSETTS Roger is an owner and licensed Loan Officer at the Blue Water Mortgage office in Hampton, NH. Roger graduated from the University of New Hampshire Whittemore School of Business and has been in the mortgage industry for over 20 years.ROGER ODOARDI
About Roger. I strive to develop a relationship based on mutual trust and respect with each and every client. I take pride in these relationships and spend the majority of my time exploring my clients’ unique circumstances and helping them understand the variety of options available to them. In this business, I feel that itis important to be
KERRY DONOVAN
Kerry has a BA in Communications and Marketing from Emerson College. She came to Blue Water Mortgage from Marketplace Mortgage in January of 2019. Prior to working as a loan officer she spent 23 years in the financial services profession. Her guiding principal and belief is tobe true to herself.
HOW DO OPEN CHARGE CARDS (AMEX) IMPACT MY DEBT RATIO? Freddie Mac (Conventional): You are allowed to factor 5% of the balance of your open charge card as a payment into your debt ratio. If you want to exclude this payment from the debt ratio, you must provide bank statements showing sufficient liquid funds to pay balance in HOUSE I AM BUYING APPRAISES FOR HIGHER THAN AGREED PRICE? VA: At the time of purchase the value is based on the lesser of the appraised value or purchase price. Therefore, if the house appraises higher you still must base your down payment on the actual purchase price. If you’re in a situation where the home you’re buying appraises for more than you agreed to buy it for, sit tight and bepatient.
BLUE WATER WELCOMES LOAN OFFICER ANNE MOODEY TO THE TEAM April 30, 2018 (Hampton, NH) — Blue Water Mortgage Corporation, an independent mortgage broker serving Massachusetts, New Hampshire, Maine and Connecticut, is pleased to welcome loan officer Anne Moodey to the team. With over 20 years of experience in the mortgage industry and a solid background in financial services in general, Anne brings a unique perspective on homeownershipBLUE WATER MORTGAGE
Our Brokers. When you partner with Blue Water Mortgage, you have access to a combined 150 years of lending experience. Our talented brokers consistently leverage their industry know-how to help our clients — from first time home buyers to seasoned investors — land their dream properties. THE PROS AND CONS OF BUYING A SECOND HOME IN MAINEBUYING HOUSE IN MAINEBUYING PROPERTY IN MAINESTATE OF MAINE ADVANTAGE LOG INBEST MORTGAGE RATES IN MAINEPROPERTY FOR SALE IN MAINESALES TAX IN MAINE 3 Reasons to Consider Buying Second Home. Aside from the obvious benefits of owning a second home in Maine — namely, the freedom to enjoy some quality rest and relaxation — there are some practical advantages: Get a return on your investment. A second home, be it a vacation home or an investment property, is a valuable asset. AM I ELIGIBLE FOR A USDA LOAN IN THE STATE OF MAINE To be eligible for the USDA home loan program, a property must be located in a rural area with a population no higher than 35,000. The USDA defines “rural area” as any property in open country that isn’t part of or associated with an urban area. Fortunately, the vast majority of Maine — with the exception of the more populousareas
PETER KARLS
7 Merrill Industrial Dr Hampton, NH 03842 Phone: 603.926.9695 Fax:603.926.9694
5 MISCONCEPTIONS ABOUT BUYING A SECOND HOME IN MASSACHUSETTSCHEAP HOMES IN MASSACHUSETTSPERSONAL PROPERTY TAX IN MASSACHUSETTSSECOND HOME DOWN PAYMENT REQUIREMENTMINIMUM DOWN PAYMENT ON A HOUSELAKEFRONT PROPERTY MASSACHUSETTSOCEANFRONT PROPERTY MASSACHUSETTS Roger is an owner and licensed Loan Officer at the Blue Water Mortgage office in Hampton, NH. Roger graduated from the University of New Hampshire Whittemore School of Business and has been in the mortgage industry for over 20 years.ROGER ODOARDI
About Roger. I strive to develop a relationship based on mutual trust and respect with each and every client. I take pride in these relationships and spend the majority of my time exploring my clients’ unique circumstances and helping them understand the variety of options available to them. In this business, I feel that itis important to be
KERRY DONOVAN
Kerry has a BA in Communications and Marketing from Emerson College. She came to Blue Water Mortgage from Marketplace Mortgage in January of 2019. Prior to working as a loan officer she spent 23 years in the financial services profession. Her guiding principal and belief is tobe true to herself.
HOW DO OPEN CHARGE CARDS (AMEX) IMPACT MY DEBT RATIO? Freddie Mac (Conventional): You are allowed to factor 5% of the balance of your open charge card as a payment into your debt ratio. If you want to exclude this payment from the debt ratio, you must provide bank statements showing sufficient liquid funds to pay balance in HOUSE I AM BUYING APPRAISES FOR HIGHER THAN AGREED PRICE? VA: At the time of purchase the value is based on the lesser of the appraised value or purchase price. Therefore, if the house appraises higher you still must base your down payment on the actual purchase price. If you’re in a situation where the home you’re buying appraises for more than you agreed to buy it for, sit tight and bepatient.
BLUE WATER WELCOMES LOAN OFFICER ANNE MOODEY TO THE TEAM April 30, 2018 (Hampton, NH) — Blue Water Mortgage Corporation, an independent mortgage broker serving Massachusetts, New Hampshire, Maine and Connecticut, is pleased to welcome loan officer Anne Moodey to the team. With over 20 years of experience in the mortgage industry and a solid background in financial services in general, Anne brings a unique perspective on homeownership SECOND HOME MORTGAGES IN NORTH CAROLINA: WHAT YOU NEED TO KNOW Not only is North Carolina one of the most beautiful places to visit, but it is also one of the most affordable places to have a second home. From the growing industrial hubs in the city of Charlotte to the peaceful shorelines on the coast of Beaufort, the Tar Heel State is a popular place for tourists to visit and vacationers to dwell. REFINANCING OPTIONS BEFORE OR AFTER A DIVORCE Cash-Out Refinancing. This is a common refinancing option for those needing to buy out their spouse. With this process, you refinance your mortgage for more than you currently owe and take the difference in cash. So, if you owe $200,000 on your home, you’d take out $225,000 and give your spouse the extra $25,000 so you can buy out their share. DO I NEED A PRIVATE ROAD MAINTENANCE AGREEMENT TO GET A FHA: A Private Road Maintenance Agreement is not required, however you will be asked to provide a recorded road easement. USDA: Requirements are determined on a case-by-case basis. VA: A Private Road Maintenance Agreement is required. Blue Water Mortgage is licensed in New Hampshire , Maine , Massachusetts , Connecticut , Florida, and North BUYING A HOME AFTER A SHORT SALE? 5 THINGS YOU NEED TO KNOW Roger Odoardi. Buying a home after a short sale is not impossible. Yes, it’s true: the cards may be stacked against you. But getting a home loan after going through a short sale is very much achievable. Before we get into the reasons why buying a home after a short sale is indeed possible, let’s define what a short sale is and why it THE LAKE HOUSE: GETTING A SECOND HOME MORTGAGE Expect lenders to put your debt-to-income ratio under closer scrutiny for your second mortgage than your first home. Lenders will want this number to be low — generally below 36. 45% same as a primary home The lower your debt-to-income ratio is, the greater your chance is 4 BASIC THINGS YOU SHOULD KNOW ABOUT OFFER LETTER LOANS An offer letter loan is any type of mortgage that receives lender approval based on a job offer letter. The lender uses your future income — your estimated earnings in your new position — to calculate your ability to repay and determine the amount you can borrow. Offer letter loans are based on either a fixed-rate or anadjustable rate
GETTING A MORTGAGE AFTER A DIVORCE? READ THIS FIRST As a result, getting a mortgage after a divorce with common debt that survives the split can make it tricky to find a new home mortgage loan. It can also leave your credit exposed if old loans/mortgages are not refinanced out of your name. Also, being “quit claimed” off a deed does not exclude you from being marked late down the road. TIPS FOR FIRST TIME HOMEBUYERS: HOW TO PAY YOUR PROPERTY TAXES A first time homebuyer can arrange their mortgage loan in such a fashion that the property taxes they owe are essentially woven within their mortgage payment each month. The amount owed for tax purposes is typically put in an escrow account, and then paid to the municipality when due. Many lenders prefer to do this because it assures that theROGER ODOARDI
About Roger. I strive to develop a relationship based on mutual trust and respect with each and every client. I take pride in these relationships and spend the majority of my time exploring my clients’ unique circumstances and helping them understand the variety of options available to them. In this business, I feel that itis important to be
DO I HAVE TO PAY MORTGAGE INSURANCE FOR THE LIFE OF THE Do I have to pay mortgage insurance for the life of the loan? The answer is: Yes, and No. It ultimately depends upon whether you use conventional or nonconventional financing. See below: Fannie Mae (Conventional): Private Mortgage Insurance (PMI) will drop off once the loan balance reaches 78% of the original purchase price. FreddieMac
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* NHHFA Alternatives * Home Loans for Bad Credit * Low Down Payment Loans * Low Down Payment Mortgages * Home Loans for Bad Credit * Low Down Payment Gov't Loans * Low Down Payment Gov't RehabPurchasing a Home
Opportunities Ahead. Thinking about a purchase? Let us simplify the experience Understand PurchasingRefinancing
Lower Payments, consolidated debt, extra cash. What can you gain by refinancing?Explore Refinancing
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7 days a week, we're committed to helping you find the mortgage you need, when you need it. Find the product that’s right for you.Top Border
Adjustable Rate Loan An adjustable rate mortgage, also known as a variable rate or tracker mortgage, is a mortgage with an adjustable interest rate.Learn more
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Fixed Rate Loans
Fixed Rate mortgage loans maintain a fixed interest rate for the entire life of the loan, as opposed to loans where the interest ratemay be adjusted.
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Conventional Mortgages Conventional loans are private-sector loans that are not government-backed. They are also the most common type of loan. Conventional loans follow guidelines set by Fannie Mae and FreddieMac.
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First Time Homebuyer Buying a home for the first time is an intimidating process. Let us help you navigate it.Learn more
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Non-Owner Occupied
Interested in an investment property or a piece of real estate you won’t be living in? Let us help you get started.Learn more
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Jumbo Loan
Jumbo loans exceed the loan limit set by Fannie Mae and Freddie Mac.Learn more
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FHA Loan
Low Down Payment Government Mortgage Loans are more forgiving for those with lower credit scores – and are designed to help borrowers that might not qualify for conventional loans.Learn more
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VA Loan
A mortgage loan for service members and veterans issued by approved lenders and guaranteed by the federal government.Learn more
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USDA Loan
A government loan for homebuyers to afford homes in rural or low-population areas Learn more View All ProductsExperience Matters
Between finding the perfect property, negotiating, scheduling inspections, applying for a home loan, meeting closing dates, etc., buying a home can be overwhelming. Blue Water Mortgage Corporation’s years of mortgage industry experience can make your experience better by alleviating the stress of the home buying process.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, everytime.
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 themortgage process.
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. Meet Our Dedicated Team Rated five stars by our amazing customers. We have worked with Blue Water Mortgage group several times over the years, they helped with our home purchase, sale and refi…Angie Hoxie
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
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
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
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
I have worked with Blue Water twice now. They set the bar for excellence and professionalism. They communicate clearly about …Jessica Felizardo
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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.Angie Hoxie
Jason and Ann are the new Dynamic Duo! Our situation was less than perfect. Jason and Ann worked to make our dreams a reality. They were always available to us, via phone, text, or email. They did everything in their power to help us. They were always optimistic, reassuring, and provided a level of support and service that is extremely rare in this day and age. We have, and will continue to recommend Jason and Ann to our friends. These two are the dream team!Lisa Finch
They were wonderful to work with. I highly recommend them. Not only were they able to get me the best/lowest rate easily but they respond very quickly to emails. It made the whole process as stress free aspossible.
Nathaniel Toutenel
I have worked with at least a dozen loan officers at different mortgage companies over the past several decades and Lee is by FAR the best that I have ever dealt with. Lee is extremely helpful, insightful (knows the industry top to bottom), is creative and offers exceptional customer service. While Lee is a true professional, she is also understanding, has a great sense of humor and just knows how to get things done quickly and on or ahead of schedule. I would HIGHLY recommend Lee to those that want only the very best – Lee is a trueprofessional!
Jeff Burbine
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!!Michele Cota
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.Steph Cormier
I have worked with Blue Water twice now. They set the bar for excellence and professionalism. They communicate clearly about what to expect and what to do throughout the mortgage process. Communication is timely and information is complete and easy to understand. Roger will spend time getting to know you and putting together options for a successful mortgage application. Then Lee will take care of all the details — from coordinating with appraisers to getting everything ready with the attorney for closing. The peace of mind knowing that I would move to closing smoothly is why I will keep going back to Blue Water Mortgage. They are consistently a model for organization and customer service with their patient, thoughtful approach to workingwith clients.
Jessica Felizardo
Our Brokers
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Jonathan Ferrante
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Rick Schlager
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Jared Lamb
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Kerry Donovan
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Ann Tatem
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Stephen Buchan
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Eric Palen
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Mary Doucet
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Lee Talewsky, MBA
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Ashley Ridley
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Danielle French
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Jennifer Winnes
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Erik Hauck
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Chad Fletcher
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Garrett Collins
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Scott Gallant
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Jeff Davis
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Jay Healy
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Laura Gibb
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Roger Odoardi
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John Reilly
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Jason Caruso
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Kristina Young
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Lenny D'Alessandro
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Lynette Kaichen
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Kristin Johnson
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Copyright 2019 Blue Water Mortgage CoporationContact Us
Hampton, NH Office
7 Merrill Industrial Dr Hampton, NH 03842 Phone: 888.991.0566 Fax:603.926.9694
Bedford, NH Office
116 South River Road Unit D-6A Bedford, NH 03110 Phone: 603.758.1696Fax: 603.926.9694
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84 Hanover Street Lebanon, NH 03766 Phone: 603.758.1650 Fax:603.926.9694
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