Mortgage Lender in Rehoboth, MA | Main Street Home Loans
★★★★★ 4.8 out of 5, based on 173 verified reviews (LENDAID)
Licensed NMLS #212449 — Branch NMLS #2893 — Direct lender serving Seekonk from North Attleborough
Main Street Home Loans helps Rehoboth buyers use USDA, conventional, and MassHousing loans with in-house underwriting and one point of contact from application to closing.
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 Rehoboth, Massachusetts, from its North Attleborough branch about twelve miles northwest. Rehoboth homebuyers choose Main Street Home Loans for USDA map checks, in-house underwriting, and in-person appointments, backed by David Licciardi’s 27 years in the mortgage industry.
Home Financing for Rehoboth Residents
Rehoboth is not a Route 6 retail town. It is 46.5 square miles of land in Bristol County, with the village center at Bay State Road and Locust Street on the Palmer River, where mills once sat and Goff Memorial Hall still anchors the historic district. North Rehoboth runs along Route 44 toward Anawan Rock. South Rehoboth and Perryville stay larger-lot and farm-adjacent. High school is Dighton-Rehoboth Regional in North Dighton, not a campus inside town.
Rehoboth 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 twelve miles from Rehoboth.
How Main Street Home Loans Serves Rehoboth
Main Street Home Loans does not have a branch inside Rehoboth. David Licciardi’s team serves Rehoboth buyers from the North Attleborough office, about twelve miles northwest via Route 118 or Route 44, 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.
Areas We Help in Rehoboth
- Rehoboth Village — Historic district at Bay State Road and Locust Street on the Palmer River, including Goff Memorial Hall and Blanding Library. Older village homes; USDA and conventional both come up.
- North Rehoboth / Route 44 — Corridor toward Anawan Rock and the Attleboro/Norton line. Larger lots and newer construction. Jumbo appears when the price clears conforming limits.
- Perryville and Perrys Corner — Farm-adjacent and larger-lot pockets on the east side of town. USDA is often the first map check.
- South Rehoboth and Hornbine — Quieter southern end toward Swansea. Acreage and outbuildings are common; well and septic questions show up on the appraisal.
Mortgage Programs Available in Rehoboth
Main Street Home Loans sees the most acreage and village files in Rehoboth that clear the USDA map, so USDA Rural Development is the program David Licciardi’s team walks through most often here, alongside these options:
Not affiliated with or endorsed by any government agency. Not a commitment to lend. Official GIS showed Rehoboth Village, North Rehoboth, South Rehoboth, and Perryville outside ineligible urban polygons; each house still needs an address check plus income clearance.
Why Rehoboth Homebuyers 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 12 miles away | Usually call-center or chat only |
| Who decides | The local team reviews your file | Decision made outside the local process |
| USDA | Map-checked per Rehoboth address, then income | Often skipped or treated as "rural only" |
Main Street Home Loans keeps the decision local. Rehoboth buyers talk to the same person who can actually say yes, and who will not sell USDA on a house that fails the map or the income test.
Talk to David About Your Rehoboth Purchase
Free, no obligation. You speak with David Licciardi's team, not a call center.
What Seekonk Clients Say
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Common Questions We Get
“Is Rehoboth actually USDA eligible, or is that just because it looks rural?”
Main Street Home Loans checked the official USDA Rural Development GIS layer for Rehoboth Village, North Rehoboth, South Rehoboth, and Perryville. Those points sit outside the ineligible urban polygons. The team still confirms the specific street address and household income before treating USDA as the plan. Talk to David to go over your address.
“I’m self-employed and my income looks complicated.”
Main Street Home Loans works with self-employed Rehoboth buyers regularly, including Non-QM options for income that does not fit a standard pay stub. USDA and conventional income rules differ, so David Licciardi’s team can review your tax returns and bank statements directly. Talk to David about your specific income.
“The house has a well and septic. Will a regular lender walk?”
Main Street Home Loans flags well, septic, and outbuilding questions early on South Rehoboth and Perryville files instead of finding them a week before closing. USDA and conventional both have property-condition rules. The team orders the right inspections up front. Talk to David before you write an offer.
Frequently Asked Questions From Rehoboth Homebuyers
1. How long does it take to close a mortgage in Rehoboth?
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.
2. Is Rehoboth, MA eligible for a USDA loan?
Main Street Home Loans treats Rehoboth as USDA-eligible at the town level based on the official USDA Rural Development GIS layer for Rehoboth Village, North Rehoboth, South Rehoboth, and Perryville. Each house still has to pass an address check on the USDA map, plus household income limits. David Licciardi’s team runs both checks before quoting zero down.
3. What’s the best loan for a first-time buyer in Rehoboth?
Main Street Home Loans most often starts Rehoboth first-time buyers with USDA when the address and income both clear, because it can mean zero down on eligible rural property. MassHousing is the next most common fit when USDA income caps do not apply. David Licciardi’s team can compare both against your specific numbers.
Get Your Rehoboth Mortgage Plan in One Call
Main Street Home Loans can tell Rehoboth buyers where they stand, often on the first call. Main Street Home Loans is rated 4.8 out of 5 across 173 verified reviews.
Main Street Home Loans is also trusted in nearby Seekonk and Attleboro, both a short drive from Rehoboth, and serves clients in Pawtucket, Rhode Island just across the state line. Full coverage list: Areas We Serve.
Rehoboth Coverage by ZIP Code
Main Street Home Loans serves homebuyers across Rehoboth’s 02769 ZIP code, including Rehoboth Village, North Rehoboth, Perryville, and South Rehoboth.
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: August 2026
