Blue Waters Mortgage & Real Estate Group
Your Single Source for Home Buying, Selling, and Refinance Services
PHONE:  916-365-4770
850 Iron Point Road #122, Folsom, CA 95630

 Carol Schultz Junge

Senior Mortgage Consultant 
208.412.6228 / email Carol 

DRE #01331781 / NMLS #763367 



My association with Blue Waters has brought my friendship with Co-founder Lisa Parks Ferro full circle, going back to our pre-9/11 days at United Airlines.  I feel so blessed for this opportunity and her friendship. The subsequent restructuring of the airline industry opened the door for me to step into the mortgage and real estate business---a decision I have never regretted.

Now, entering my 17th year in the industry, I have managed to learn a few things along the way:  Trust must be earned.  Keep clients informed.  If you pay attention to the “little things”, the “big things” turn out fine.  And most importantly---KNOW WHAT YOU’RE TALKING ABOUT!

Not surprisingly, I bring these same principles to my mortgage clients.  I answer the phone (and call back).  Yes, it seems so trivial…but how often do we find others “just letting it go to voicemail”?  Taking the personal responsibility to deliver effective, professional communication to all parties as needed, is one of my strengths. 

There is no substitute for experience, expertise and attention to detail in a business that is built on details.  I like it best when I can bring all that to a customer in a “personalized” approach—addressing one’s unique and specific needs in the borrowing process.  That’s when it’s really fun!  Interestingly, many of the people I have helped with a loan have become good friends long after their loan has closed.  Staying in touch, taking a personal interest, going the “extra mile” engenders a trust that makes it easy for former clients to refer me to others who are seeking the help of a mortgage professional.  That’s our focus at Blue Waters.

In my spare time I can usually be found on one of Folsom’s many bike trails, paddling on Lake Natoma, being “Nama” to our seven kids and thirteen grandkids, exploring the local wine country and planning our next trip to some tropical place with my wonderful husband and best friend Jim.


Matt Sundermier & Lisa Parks Ferro
The Blue Waters Group
Ph: 916-365-4770Fax:916-496-8321
850 Iron Point Road #122
Folsom, CA 95630 US
License # DRE#01910659/NMLS#884473
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