Mortgage Lender in Plainville, 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 Plainville 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 Plainville, Massachusetts, from its North Attleborough branch about four miles south. Plainville 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 Plainville Residents
Plainville is a Norfolk County town on the Route 1 and I-495 corridor, about four miles north of North Attleborough. Town Hall sits at 190 South Street (ZIP 02762). Lake Mirimichi is a local recreation landmark. The Plainville Athletic League has run youth baseball and softball on George Street / Everett Skinner Road since 1955. Wrentham Village Premium Outlets sit just over the line in Wrentham, which is why many Plainville files are Norfolk County purchases for buyers who shop and commute along Route 1.
Plainville 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 four miles from Plainville.
How Main Street Home Loans Serves Plainville
Main Street Home Loans does not have a branch inside Plainville. David Licciardi's team serves Plainville buyers from the North Attleborough office, about four miles south via Route 1 or South Street, 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.
Plainville Neighborhoods Main Street Home Loans Knows
- Town Center / South Street: around Town Hall at 190 South Street. Capes and ranches near the civic core often fit conventional, MassHousing, or USDA when the address clears the map.
- Route 1 / Taunton Street corridor: commercial and residential stock along the main north-south spine toward North Attleborough and Wrentham. Conventional is a frequent fit for move-up purchases.
- Shepardville: older residential pocket on the town's established side, often family purchases that start with MassHousing or conventional.
- Lake Mirimichi / west side: homes near Lake Mirimichi and the western residential streets. USDA map checks matter here more often than in denser Route 1 blocks; confirm the exact address.
Loan Programs for Plainville Buyers
Main Street Home Loans sees strong demand for zero-down and first-time programs in Plainville, 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 Plainville 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 4 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. Plainville buyers talk to the same person who can actually say yes, including when the question is whether USDA even applies to that street.
Talk to David About Your Plainville Purchase
What Clients Say About Main Street Home Loans
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Common Questions We Get
1. Plainville is only a few miles from your office. Do I still need a local lender?
Main Street Home Loans's branch is about four miles south in North Attleborough. David Licciardi's team underwrites in-house and can meet in person or finish the file remotely. The distance is short enough for a face-to-face meeting when you want one. 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 Plainville 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 Plainville address USDA eligible?
No. USDA eligibility is decided address by address. Official GIS samples around Town Hall, Route 1 / Taunton Street, and the Wrentham line returned eligible, but boundaries can run mid-street. Talk to David before you write an offer that depends on zero down.
Mortgage Questions from Plainville Homebuyers
How long does it take to close a mortgage in Plainville?
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 Plainville, 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. Plainville 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 Plainville?
Main Street Home Loans most often starts with a USDA map check for Plainville 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 Plainville Mortgage Plan in One Call
Main Street Home Loans can tell Plainville buyers where they stand, often on the first call. Main Street Home Loans is rated 4.8 out of 5 across 173 verified reviews.
Plainville Coverage by ZIP Code
Main Street Home Loans serves homebuyers across Plainville's 02762 ZIP code, including Town Center / South Street, Route 1 / Taunton Street, Shepardville, and the Lake Mirimichi side.
Main Street Home Loans is also trusted in nearby North Attleborough and Attleboro, both a short drive from Plainville, and serves clients in Cumberland, Rhode Island west of the state line. 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
