What types of home loans do you offer?

We offer a variety of home loan options including purchase loans, refinancing, and home equity solutions tailored to your financial needs.

Can I refinance my existing mortgage?

Yes, refinancing options are available to help lower your interest rate, reduce monthly payments, or access home equity.

How do I get started?

You can start by requesting a quote or applying online through our website for a personalized mortgage consultation.

(508) 343-8822

Apply Now

Mortgage Pre-Approval vs. Pre-Qualification: What Massachusetts Buyers Must Know

Understanding the Mortgage Pre-Qualification Massachusetts Definition Stepping into the Massachusetts real estate market is an exciting journey, but it requires careful preparation. One of the first steps you will encounter is getting pre-qualified. To understand the mortgage pre-qualification Massachusetts definition, think of it as an informal estimate of your borrowing power. It is a fantastic starting…

FHA, VA, or Conventional Loans in 2026: Which Mortgage is Right for You?

Understanding Your Mortgage Options Choosing the right mortgage loan can be a complex decision, especially with the various options available in 2026. Whether you’re a first-time homebuyer in Providence, MA, or looking to refinance, understanding the differences between FHA, VA, and Conventional loans is crucial. Each loan type has unique qualifications, benefits, and potential drawbacks.…

Contact Us

David Licciardi - Main Street Home Loans
500 East Washington Street 1st Floor
North Attleborough, MA 02760

Phone:
(508) 343-8822

Connect With Us

Licensing

David Licciardi
Area Manager | NMLS# 212449

David Licciardi - Main Street Home Loans
NMLS #2893

NFM Lending, LLC dba Main Street Home Loans. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending. www.nfmlending.com. Licensed in CT, FL, ME, MA, NH, RI

Equal housing lender. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Qualifying credit score needed for conventional loans. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. For USDA loans, 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable. The pre-approval may be issued before or after a home is found. A pre-approval is an initial verification that the buyer has the income and assets to afford a home up to a certain amount. This means we have pulled credit, collected documents, verified assets, submitted the file to processing and underwriting, ordered verification of rent and employment, completed an analysis of credit, debt ratio and assets, and issued the pre-approval. The pre-approval is contingent upon no changes to financials and property approval/appraisal.

Mortgage Pre-Approval vs. Pre-Qualification: What Massachusetts Buyers Must Know

Mortgage Tips