Loan Programs:

1. Conventional Loans: Blue Water Home Finance offers conventional loans, which are popular mortgage options for homebuyers with good credit and stable income. These loans typically require a down payment of at least 3% to 20% of the home's purchase price.

2. FHA Loans: The company also provides FHA loans, which are insured by the Federal Housing Administration. These loans are designed to help borrowers with lower credit scores or limited down payment savings. They offer more flexible qualification requirements.

3. VA Loans: Blue Water Home Finance offers VA loans, which are guaranteed by the U.S. Department of Veterans Affairs. These loans are exclusively available to veterans, active-duty service members, and eligible surviving spouses. VA loans often come with competitive interest rates and require no down payment.

4. USDA Loans: The company provides USDA loans, backed by the U.S. Department of Agriculture. These loans are intended to assist rural and suburban homebuyers with low to moderate incomes. They offer 100% financing and attractive interest rates.

5. Jumbo Loans: Blue Water Home Finance offers jumbo loans for borrowers who need to finance properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. These loans are ideal for high-end property purchases.

6. Fixed-Rate Mortgages: The company provides fixed-rate mortgages, where the interest rate remains constant throughout the loan term. This loan program offers predictable monthly payments and is suitable for those who prefer stable payments over time.

7. Adjustable-Rate Mortgages (ARM): Blue Water Home Finance offers adjustable-rate mortgages, where the interest rate can fluctuate after an initial fixed-rate period. This program is ideal for borrowers who plan to sell or refinance their homes within a few years.

8. HARP Refinance: The company supports the Home Affordable Refinance Program (HARP), allowing eligible homeowners to refinance their mortgages to lower interest rates and monthly payments, even if they owe more on their homes than the current value.

Note: This is not an exhaustive list of Blue Water Home Finance's loan programs. For more detailed information and personalized loan options, it is recommended to contact one of the company's expert loan officers.