Mortgage Lender in Attleboro, 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 Attleboro 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 Attleboro, Massachusetts, from its North Attleborough branch three miles away. Attleboro homebuyers choose Main Street Home Loans for in-house underwriting, direct lender speed, and in-person appointments, backed by David Licciardi's 27 years in the mortgage industry.
Home Financing for Attleboro Residents
Attleboro earned the nickname "The Jewelry City" for more than a century of jewelry manufacturing, and the city still carries that mill-town character in neighborhoods like Hebronville and Dodgeville, built in the 1800s to house workers at the Attleborough Manufacturing Co. and Hebron Manufacturing Co. mills. Main Street Home Loans works with buyers across both the older mill villages and the newer construction closer to South Attleboro.
Attleboro 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, three miles from Attleboro.
How Main Street Home Loans Serves Attleboro
Main Street Home Loans does not have a branch inside Attleboro city limits. David Licciardi's team serves Attleboro buyers from the North Attleborough office, three miles north, 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.
Attleboro Neighborhoods Main Street Home Loans Knows
- Downtown Attleboro: the city's commercial core, a mix of multi-family homes and condos near City Hall.
- South Attleboro: the gateway to Rhode Island, with the South Attleboro MBTA Commuter Rail station on the Providence/Stoughton Line, popular with buyers commuting into Providence or Boston.
- Hebronville: a historic mill village near the Seekonk line, mostly older single- and multi-family homes.
- Dodgeville: a walkable, historic mill village built by the Dodge family's textile mill in 1809.
- Briggs Corner: on the east side of the city, where Attleboro meets Norton and Rehoboth.
Loan Programs for Attleboro Buyers
Main Street Home Loans sees the most first-time buyers in Attleboro, so MassHousing's First-Time Homebuyer Program is the program David Licciardi's team walks through most often here, alongside these options:
Why Attleboro 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, 3 miles away | Usually call-center or chat only |
| Who decides | The local team reviews your file | Decision made outside the local process |
Main Street Home Loans keeps the decision local. Attleboro buyers talk to the same person who can actually say yes.
Talk to David About Your Attleboro Purchase
What Clients Say About Main Street Home Loans
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Common Questions We Get
1. I got turned down before.
Main Street Home Loans reviews declined files often, and a past turndown at another lender does not mean a decision here would be the same. David Licciardi's team underwrites in-house and can walk through what changed, or what would need to change, before running a new application. [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 Attleboro 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. I'm a first-time buyer and I don't know where to start.
Main Street Home Loans walks first-time Attleboro buyers through MassHousing's First-Time Homebuyer Program step by step, including what down payment assistance is available. [Talk to David] for a plain-language walkthrough before you start looking at houses.
Frequently Asked Questions
How long does it take to close a mortgage in Attleboro?
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 Attleboro, 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. Attleboro 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 Attleboro?
Main Street Home Loans most often recommends MassHousing's First-Time Homebuyer Program to Attleboro 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 Attleboro Mortgage Plan in One Call
Attleboro Coverage by ZIP Code
Main Street Home Loans serves homebuyers across Attleboro's 02703 ZIP code, including Downtown Attleboro, South Attleboro, Hebronville, Dodgeville, and Briggs Corner.
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.
