1847 Iron Point Rd, Folsom, CA 95630|CA DRE# 01910659  ·  NMLS #884473
Serving all of California|(916) 365-4770
Folsom, California · Since 2012

One Team.Mortgage Brokers and Real Estate Experts

Buying, selling, and financing under one roof

Serving Folsom, El Dorado Hills, Roseville, Rancho Cordova and Sacramento with lending throughout California

100+
Years of combined experience
2 in 1
Licensed Realtors & Mortgage Brokers
★★★★★
Sacramento Five-Star Professionals since 2012
2024–2026
Style Magazine Readers' Choice, Best of Folsom
One-stop shop

Most clients come to us for one service, and end up trusting us with both.

We are unique in that we offer both mortgage and real estate services to our clients. From loan pre-approval to searching for your home to negotiating the best deal to closing escrow, our combined mortgage and real estate consultants offer a holistic awareness on your next transaction — and one point of contact for all of it.

Find the home

Search the same MetroList feed your agent sees, with alerts the moment something new hits your criteria.

Fund the home

As brokers we shop lenders instead of selling one menu. Apply here on this site and determine how much of a home loan you can afford.

Sell the home

A pricing opinion grounded in what actually closed on your street, not an automated estimate.

Financing

Every loan type, brokered.

Purchase, refinance, and equity financing across California. Tell us your scenario and we will honestly illustrate your best loan options.

Apply in about 15 minutes
Conventional
Fannie and Freddie, 3% down and up
FHA
Lower credit thresholds
VA
Zero down for eligible veterans
Jumbo
Above county loan limits
Investment
Rentals and 1–4 unit
Second home
Tahoe and coastal
Refinance
Rate, term, and cash-out
Equity
HELOC and second liens
New construction
Builder-timed lock strategies
—
★★★★★
Rating and count pull live from our Google Business Profile

“Blue Waters has helped all of our family members for many years. Whether it be a home loan or help with finding a property, Matt is who we turn to for both scenarios. He sets realistic expectations, provides excellent recommendations and advice, works in integrity and transparency, and truly cares about every one of his clients. We recently purchased a new house and trusted him to align all of the details involved with a sophisticated transaction and he and Blue Waters were there every step of the way. We look back and can’t imagine if we had worked with anyone else. Thank you Matt and Blue Waters for your dedication to making yet another transaction seem seamless. If you need an extremely knowledgeable real estate professional that will genuinely work as a partner in your best interest, I highly recommend contacting Matt at Blue Waters.”

C. M. · Google review

“Lisa, Donna, and the Blue Waters team were the best! We were first-time home buyers and Lisa was incredibly helpful throughout the entire process, from helping us determine what price range we should look at through getting the loan approved. She encouraged us to ask all the questions we needed to and explained everything to us thoroughly, including walking us through all the forms as needed. The Blue Waters team made purchasing our first home as easy as possible and were a joy to work with. We highly recommend working with Blue Waters!”

K. M. · Google review

“We have used Blue Waters three times in the past 5 years - to buy our first home, to sell that home, and to buy what might just be our forever home. Every single interaction with Lisa and her team was incredibly caring and professional. She goes the extra mile and works closely with all of her excellent contacts to make sure the process is as smooth as possible for everyone involved. I will always recommend Lisa and Blue Waters and use them for every future need!”

Q. M.-K. · Google review
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The team

Together since 2012.

Brokers, agents, and mortgage consultants who have worked together for years.

Meet the team →

Start where it makes sense for you.

No form gate, no drip campaign. A person from this office replies.

Loan application
Apply in about 15 minutes

Complete a full application in the secure portal. Save your progress and return any time.

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