Mortgage Lender in Norton, 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 Norton 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 Norton, Massachusetts, from its North Attleborough branch about seven miles west. Norton homebuyers choose Main Street Home Loans for USDA map checks, MassHousing options, in-house underwriting, and in-person appointments, backed by David Licciardi's 27 years in the mortgage industry.
Home Financing for Norton Residents
Norton is a Bristol County town of about 19,200 people, home to Wheaton College at 26 East Main Street. Norton Center sits on the Route 123 corridor. Chartley is the western village near the Attleboro line with its own 02712 post office near Chartley Pond. Barrowsville is another historic mill village on the Attleboro side of town. The main Norton ZIP is 02766.
Norton 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 seven miles from Norton.
How Main Street Home Loans Serves Norton
Main Street Home Loans does not have a branch inside Norton. David Licciardi's team serves Norton buyers from the North Attleborough office, about seven miles west via Route 123 or Route 140, 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.
Norton Neighborhoods Main Street Home Loans Knows
- Norton Center / Wheaton College: campus and civic core around 26 East Main Street and Library Square. Faculty, staff, and nearby family purchases often start with conventional or MassHousing.
- Chartley (02712): western village near the Attleboro line along Route 123, with Chartley Pond and older residential stock. USDA map checks and conventional both come up here.
- Barrowsville: historic mill village toward Attleboro, with older homes and pond-side streets. First-time and renovation files are common.
- East Norton / Route 140 approach: residential streets toward Mansfield and Easton. Move-up conventional and USDA (when the address clears) are frequent fits.
Loan Programs for Norton Buyers
Main Street Home Loans sees strong demand for zero-down and first-time programs in Norton, 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 Norton 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 7 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. Norton buyers talk to the same person who can actually say yes, including when the question is whether USDA even applies to that Chartley or Norton Center street.
Talk to David About Your Norton Purchase
What Clients Say About Main Street Home Loans
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Common Questions We Get
1. I work near Wheaton or commute toward Boston. Can a North Attleborough lender handle this?
Main Street Home Loans originates Norton purchases the same way as North Attleborough purchases. David Licciardi's team underwrites in-house and can meet in person about seven miles west or finish the file remotely. Your commute does not send the file to a second company. Talk to David to go over your file.
2. I'm self-employed and my income looks complicated.
Main Street Home Loans works with self-employed Norton 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 Norton address USDA eligible?
Official GIS samples across Norton Center, Wheaton, Chartley, and Barrowsville 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 Norton Homebuyers
How long does it take to close a mortgage in Norton?
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 Norton, 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. Norton 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 Norton?
Main Street Home Loans most often starts with a USDA map check for Norton 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 Norton Mortgage Plan in One Call
Main Street Home Loans can tell Norton 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 Norton's 02766 ZIP code and Chartley's 02712 ZIP code, including Norton Center / Wheaton College, Chartley, Barrowsville, and East Norton.
Main Street Home Loans is also trusted in nearby Mansfield and Attleboro, both a short drive from Norton, 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
