Mortgage Lender in Mansfield, 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 Mansfield 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 Mansfield, Massachusetts, from its North Attleborough branch about eight miles southwest. Mansfield homebuyers choose Main Street Home Loans for conventional and MassHousing options, in-house underwriting, and in-person appointments, backed by David Licciardi's 27 years in the mortgage industry.
Home Financing for Mansfield Residents
Mansfield is a Bristol County town on the Providence/Stoughton Line. The MBTA Commuter Rail station sits at 1 Crocker Street in downtown Mansfield (ZIP 02048) and is one of the busiest stations outside Boston. Route 140 runs north-south through town. Xfinity Center is at 885 South Main Street. East Mansfield, downtown around North and South Main, and West Mansfield each pull a different mix of first-time and move-up buyers who commute into Boston or Providence.
Mansfield 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 eight miles from Mansfield.
How Main Street Home Loans Serves Mansfield
Main Street Home Loans does not have a branch inside Mansfield. David Licciardi's team serves Mansfield buyers from the North Attleborough office, about eight miles southwest via Route 140 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.
Mansfield Neighborhoods Main Street Home Loans Knows
- Downtown / MBTA station: around 1 Crocker Street, North Main, and South Main. Capes, colonials, and multi-families near the train often fit conventional or MassHousing. Official USDA GIS treats downtown samples as ineligible.
- Route 140 corridor: residential and commercial stock along the main north-south spine toward Norton and Foxborough. Conventional is the usual fit; USDA may apply on some outer parcels after an address check.
- East Mansfield: family neighborhoods east of downtown toward Easton. Move-up conventional files are common.
- West Mansfield / South Main toward Xfinity Center: homes toward 885 South Main Street and the western residential streets. Confirm USDA only by address; do not assume the whole side of town qualifies.
Loan Programs for Mansfield Buyers
Main Street Home Loans sees a strong Boston-commuter conventional file in Mansfield, so conventional financing is the program David Licciardi's team walks through most often here, alongside these options:
Why Mansfield 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 8 miles away | Usually call-center or chat only |
| Who decides | The local team reviews your file | Decision made outside the local process |
| Commuter-file fit | Used to station-area and Route 140 purchase files | Generic script with no local map sense |
Main Street Home Loans keeps the decision local. Mansfield buyers talk to the same person who can actually say yes, including when the file is a station-area purchase for a Boston commute.
Talk to David About Your Mansfield Purchase
What Clients Say About Main Street Home Loans
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Common Questions We Get
1. I take the train into Boston. Does a North Attleborough lender understand that file?
Main Street Home Loans regularly works Mansfield purchases near the MBTA station at 1 Crocker Street. David Licciardi's team underwrites in-house and can meet in person about eight miles southwest 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 Mansfield 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. Can I use a USDA loan in Mansfield?
Not for every address. Official USDA Rural Development GIS places downtown and station-area samples inside an ineligible urban polygon, while some Route 140 and West Mansfield samples returned eligible. Talk to David before you count on zero down.
Mortgage Questions from Mansfield Homebuyers
How long does it take to close a mortgage in Mansfield?
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 Mansfield, 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. Mansfield 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 Mansfield?
Main Street Home Loans most often recommends MassHousing's First-Time Homebuyer Program to Mansfield 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 Mansfield Mortgage Plan in One Call
Main Street Home Loans can tell Mansfield 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 Mansfield's 02048 ZIP code, including downtown / MBTA station, Route 140, East Mansfield, and West Mansfield / South Main toward Xfinity Center.
Main Street Home Loans is also trusted in nearby Norton and Plainville, both a short drive from Mansfield, 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
