Mortgage Lender in Seekonk, MA | Main Street Home Loans
★★★★★ 4.8 out of 5, based on 173 verified reviews (LENDAID)
Licensed NMLS #212449 (David Licciardi) / Branch NMLS #2893. 27 years serving southeastern Massachusetts.
Main Street Home Loans helps Seekonk buyers get a straight answer on financing, with the decision made in-house instead of sent out to a third-party underwriter.
27 years of experience | NMLS #212449 / Branch #2893 | 4.8★ (173 verified reviews) | Five Star Mortgage Professional | Direct lender: funds and underwrites in-house
Main Street Home Loans is an NMLS-licensed direct mortgage lender serving Seekonk, Massachusetts, from its North Attleborough branch about ten miles north. Seekonk homebuyers choose Main Street Home Loans for in-house underwriting, MassHousing and conventional options, and in-person appointments, backed by David Licciardi’s 27 years in the mortgage industry.
Home Financing for Seekonk Residents
Seekonk sits on the Massachusetts side of the Providence line. Fall River Avenue (Route 6) is the commercial spine, with Seekonk Speedway at 1782 Fall River Avenue running Friday and Saturday racing since 1946. Arcade Avenue holds Seekonk High School at 261 Arcade Avenue. Luther’s Corners and North Seekonk read more residential. East Providence is a short hop west, which is why many Seekonk files are Massachusetts loans for people who work in Rhode Island.
Seekonk buyers who compare a call-center lender to Main Street Home Loans usually ask the same question: why go local? Main Street Home Loans funds and underwrites its own loans, so David Licciardi’s team makes the credit decision instead of routing the file to an outside investor. That means one point of contact from application to closing, and a loan officer who can meet face to face at the North Attleborough branch, about ten miles from Seekonk.
How Main Street Home Loans Serves Seekonk
Main Street Home Loans does not have a branch inside Seekonk. David Licciardi’s team serves Seekonk buyers from the North Attleborough office, about ten miles north via I-295, Route 1A, or Route 6, and handles most of the process by phone, video call, and secure document upload. Buyers who prefer a face-to-face meeting are welcome at the North Attleborough branch; buyers who prefer to stay remote can complete the entire application without visiting an office.
Areas We Help in Seekonk
- Fall River Avenue / Route 6 corridor: the commercial strip and nearby capes and ranches. Seekonk Speedway sits at 1782 Fall River Avenue.
- Arcade Avenue and Seekonk High School: Seekonk High School at 261 Arcade Avenue is the town’s own 9–12 school, not a regional campus. Family purchases near here often start with conventional or MassHousing.
- Luther’s Corners: older residential pocket on the south-central side of town, closer to the Swansea and Rehoboth line.
- North Seekonk: residential streets nearer Attleboro and the I-295 approach. Conventional is the usual fit; jumbo comes up on newer or larger lots.
Mortgage Programs Available in Seekonk
Main Street Home Loans sees a strong Providence-commuter conventional file in Seekonk, so conventional financing is the program David Licciardi’s team walks through most often here, alongside these options:
USDA is omitted on this page. Official USDA Rural Development GIS shows Seekonk's town-center, Speedway, North Seekonk, and Route 6 points inside the ineligible area.
Why Seekonk Buyers Choose Main Street Home Loans
| Feature | Main Street Home Loans | Typical Online or National Lender |
|---|---|---|
| Underwriting | In-house, by David Licciardi's local team | Sent to an outside underwriting desk |
| Point of contact | Same loan officer, start to finish | Often changes hands between departments |
| In-person option | Yes, at the North Attleborough branch, about 10 miles away | Usually call-center or chat only |
| Who decides | The local team reviews your file | Decision made outside the local process |
| Cross-border license | Licensed in MA and RI from one branch | Buyer who works in Providence may be told to call a different shop |
Main Street Home Loans keeps the decision local. Seekonk buyers talk to the same person who can actually say yes, including when the job is ten minutes into East Providence.
Talk to David About Your Seekonk Purchase
Main Street Home Loans has originated FHA, conventional, and MassHousing loans for buyers on the Massachusetts side of the Providence line.
Free, no obligation. You speak with David Licciardi's team, not a call center.
What Seekonk Clients Say
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Common Questions We Get
“I work in Providence. Can a Massachusetts lender actually handle this?”
Main Street Home Loans holds licenses in both Massachusetts and Rhode Island under branch NMLS #2893. David Licciardi’s team originates Seekonk purchases the same way as North Attleborough purchases. Your job being in Rhode Island does not send the file to a second company. Talk to David to go over your file.
“I’m self-employed and my income looks complicated.”
Main Street Home Loans works with self-employed Seekonk buyers regularly, including Non-QM options for income that does not fit a standard pay stub. David Licciardi’s team can review your tax returns and bank statements directly instead of applying a one-size formula. Talk to David about your specific income.
“Can I use a USDA loan in Seekonk?”
Main Street Home Loans does not treat Seekonk as a USDA town. The official USDA Rural Development eligibility map places Seekonk’s populated corridors, including Fall River Avenue and Arcade Avenue, inside an ineligible urban area. If you are looking just over the line in Rehoboth, that is a different map conversation. Talk to David before you count on zero down.
Frequently Asked Questions
1. How long does it take to close a mortgage in Seekonk?
Main Street Home Loans has not published a specific average closing timeline and will not state one until it is verified against real closing data. David Licciardi’s team underwrites in-house, which removes the step of sending a file to an outside investor for a decision. Ask David for a realistic timeline based on your specific loan type and documentation.
2. What credit score do I need to buy a home in Seekonk, MA?
Main Street Home Loans can offer FHA financing with a credit score as low as 580 with 3.5% down, per HUD guidelines, or as low as 500 with 10% down. Conventional loans typically start around 620. David Licciardi’s team reviews the full file, not just the score, before ruling anything out.
3. What’s the best loan for a first-time buyer in Seekonk?
Main Street Home Loans most often recommends MassHousing’s First-Time Homebuyer Program to Seekonk buyers, since it pairs a below-market rate with down payment assistance for eligible applicants. FHA is the next most common fit for buyers who do not qualify for MassHousing. David Licciardi’s team can compare both against your specific numbers.
Get Your Seekonk Mortgage Plan in One Call
Seekonk Coverage by ZIP Code
Main Street Home Loans serves homebuyers across Seekonk’s 02771 ZIP code, including Fall River Avenue / Route 6, Arcade Avenue, Luther’s Corners, and North Seekonk.
Main Street Home Loans is a DBA of NFM Lending, LLC. David Licciardi, NMLS #212449. Branch NMLS #2893. Licensed in Connecticut, Florida, Maine, Massachusetts, New Hampshire, and Rhode Island. Equal Housing Lender. Rates subject to change and subject to credit approval. This is not a commitment to lend and is not affiliated with or endorsed by any government agency.
NMLS Consumer Access | Privacy Policy | Last Updated: August 2026
