Mortgage Lender in Wrentham, 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 Wrentham 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 Wrentham, Massachusetts, from its North Attleborough branch about six miles southeast. Wrentham homebuyers choose Main Street Home Loans for USDA map checks, conventional and jumbo options, in-house underwriting, and in-person appointments, backed by David Licciardi's 27 years in the mortgage industry.
Home Financing for Wrentham Residents
Wrentham is a Norfolk County town of about 12,200 people on the Route 1A corridor. Downtown runs along South Street and the town common. Wrentham Village Premium Outlets sits at 1 Premium Outlet Boulevard off I-495 Exit 38, with a second Simon address at 1048 South Street. Lake Pearl and Lake Archer sit toward the center of town. Sheldonville, or West Wrentham, is the rural western section with its own 02070 ZIP code and active orchards. Plainville and Cumberland, Rhode Island sit just south.
Wrentham 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 six miles from Wrentham.
How Main Street Home Loans Serves Wrentham
Main Street Home Loans does not have a branch inside Wrentham. David Licciardi's team serves Wrentham buyers from the North Attleborough office, about six miles southeast via Route 1A or I-495, 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.
Wrentham Neighborhoods Main Street Home Loans Knows
- Wrentham Center / Route 1A: the historic town common and South Street corridor. Capes, colonials, and lake-adjacent homes often fit conventional or MassHousing.
- Outlet corridor / South Street: residential pockets near Wrentham Village Premium Outlets and I-495 Exit 38. Move-up conventional and jumbo files are common here.
- Lake Pearl / Lake Archer: homes around the town's two central lakes. USDA map checks and conventional both come up depending on the address.
- Sheldonville (02070): West Wrentham's rural section along Route 121 / West Street with orchards and larger lots. USDA is often the first program David Licciardi's team checks when the address clears the map.
Loan Programs for Wrentham Buyers
Main Street Home Loans sees strong demand for zero-down and move-up programs in Wrentham, so USDA Rural Development is the program David Licciardi's team walks through first when the address clears the official map, alongside these options:
Why Wrentham 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 6 miles away | Usually call-center or chat only |
| Who decides | The local team reviews your file | Decision made outside the local process |
| USDA map check | Address-level check before you count on zero down | Often assumes the whole ZIP is eligible |
Main Street Home Loans keeps the decision local. Wrentham buyers talk to the same person who can actually say yes, including when the question is USDA on a Sheldonville lot or jumbo on a lake-front file.
Talk to David About Your Wrentham Purchase
What Clients Say About Main Street Home Loans
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Common Questions We Get
1. Wrentham is an affluent suburb. Do I need a jumbo lender or can Main Street Home Loans handle this?
Main Street Home Loans originates conventional and jumbo files in-house at the North Attleborough branch. David Licciardi's team can review lake-area and outlet-corridor purchases without sending you to a separate jumbo shop. Talk to David to go over your price range.
2. I'm self-employed and my income looks complicated.
Main Street Home Loans works with self-employed Wrentham 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.
3. Is every Wrentham address USDA eligible?
Official GIS samples across Wrentham Center, the outlet corridor, Route 1A, Sheldonville, and the Plainville line returned eligible, but USDA is still decided address by address. Talk to David before you write an offer that depends on zero down.
Mortgage Questions from Wrentham Homebuyers
How long does it take to close a mortgage in Wrentham?
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.
What credit score do I need to buy a home in Wrentham, 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.
Is Main Street Home Loans licensed to lend in Massachusetts?
Main Street Home Loans, a DBA of NFM Lending, LLC, holds an active Massachusetts lender license under branch NMLS #2893, and David Licciardi holds individual NMLS #212449. Wrentham buyers can verify both directly at NMLS Consumer Access before working with any lender.
What's the best loan for a first-time buyer in Wrentham?
Main Street Home Loans most often starts with a USDA map check for Wrentham addresses that may qualify for 0% down, then compares MassHousing's First-Time Homebuyer Program and FHA against the buyer's income and credit. David Licciardi's team can compare all three against your specific numbers.
Get Your Wrentham Mortgage Plan in One Call
Main Street Home Loans can tell Wrentham buyers where they stand, often on the first call. Main Street Home Loans is rated 4.8 out of 5 across 173 verified reviews.
Wrentham Coverage by ZIP Code
Main Street Home Loans serves homebuyers across Wrentham's 02093 ZIP code and Sheldonville's 02070 ZIP code, including Wrentham Center / Route 1A, the outlet corridor, Lake Pearl / Lake Archer, and West Wrentham.
Main Street Home Loans is also trusted in nearby Plainville and Mansfield, both a short drive from Wrentham, and serves clients from the North Attleborough home office. Full coverage list: Areas We Serve
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: September 2026
