Mortgage Lender in North Attleborough, 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 North Attleborough 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 based at 500 East Washington Street in North Attleborough, Massachusetts. North Attleborough homebuyers choose Main Street Home Loans for in-house underwriting, conventional and MassHousing options, and face-to-face meetings with David Licciardi, who has 27 years in the mortgage industry and co-founded this branch.
Home Financing for North Attleborough Residents
North Attleborough is a Bristol County town of about 30,800 people, with the Town Center Historic District running along North and South Washington Street (listed on the National Register of Historic Places in 1985). Emerald Square sits at 999 South Washington Street. World War I Memorial Park and Zoo on Elmwood Street sits at the highest point in Bristol County. Attleboro Falls uses ZIP 02763; the downtown core uses 02760. Falls Pond and Whitings Pond sit on the residential side of town.
North Attleborough 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 branch on East Washington Street.
How Main Street Home Loans Serves North Attleborough
This is the home office. Main Street Home Loans's retail branch is at 500 East Washington Street, 1st Floor, North Attleborough, MA 02760. David Licciardi co-founded the branch and works files from this address. Buyers who want to sit down in person come here. Buyers who prefer to stay remote can complete the loan by phone, video call, and secure document upload without a visit. There is no second Main Street Home Loans storefront in town.
North Attleborough Neighborhoods Main Street Home Loans Knows
- Town Center / Washington Street: the historic commercial core between Fisher Street and Bruce Avenue, with brick blocks from the jewelry-manufacturing era. Capes and multi-families near downtown often fit conventional or MassHousing.
- Emerald Square corridor (South Washington Street): retail around 999 South Washington Street and the Route 1 approach. Move-up purchases and refinances are common here.
- Attleboro Falls (02763): the Falls side of town with its own post office. Family purchases near the Falls often start with conventional financing.
- Elmwood / Watery Hill: residential streets near World War I Memorial Park and Zoo on Elmwood Street, including Sunrise Hill / Watery Hill at the Bristol County high point. Conventional is the usual fit; jumbo comes up on larger lots.
Loan Programs for North Attleborough Buyers
Main Street Home Loans sees a strong move-up conventional file in North Attleborough, so conventional financing is the program David Licciardi's team walks through most often here, alongside these options:
Why North Attleborough 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 500 E Washington St in North Attleborough | Usually call-center or chat only |
| Who decides | The local team reviews your file | Decision made outside the local process |
| Local roots | Co-founded this North Attleborough branch | No storefront and no local decision-maker |
Main Street Home Loans keeps the decision local. North Attleborough buyers talk to the same person who can actually say yes, in the same town where the branch sits.
Talk to David About Your North Attleborough Purchase
What Clients Say About Main Street Home Loans
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Common Questions We Get
1. I already live in North Attleborough. Why wouldn't I just use a big national lender?
Main Street Home Loans funds and underwrites in-house at the East Washington Street branch, so David Licciardi's team makes the credit decision instead of shipping the file to a desk in another state. You can meet in person at 500 E Washington St or finish the process remotely. 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 North Attleborough 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 North Attleborough?
Main Street Home Loans does not treat North Attleborough as a USDA town. The official USDA Rural Development eligibility map places the town center, East Washington Street, Emerald Square, and Elmwood samples inside an ineligible urban area. If you are looking just north in Plainville, that is a different map conversation. Talk to David before you count on zero down.
Mortgage Questions from North Attleborough Homebuyers
How long does it take to close a mortgage in North Attleborough?
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 North Attleborough, 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. North Attleborough 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 North Attleborough?
Main Street Home Loans most often recommends MassHousing's First-Time Homebuyer Program to North Attleborough 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 North Attleborough Mortgage Plan in One Call
Main Street Home Loans can tell North Attleborough buyers where they stand, often on the first call. Main Street Home Loans is rated 4.8 out of 5 across 173 verified reviews.
North Attleborough Coverage by ZIP Code
Main Street Home Loans serves homebuyers across North Attleborough's 02760 and 02763 ZIP codes, including Town Center / Washington Street, Emerald Square, Attleboro Falls, and Elmwood / Watery Hill. (02761 is downtown post-office boxes only.)
Main Street Home Loans is also trusted in nearby Attleboro and Plainville, both a short drive from the East Washington Street branch, and serves clients in Seekonk south toward the Providence 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
