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Loan programs · Rhode Island

USDA loan officers in Rhode Island

As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in Rhode Island whose lender pages show USDA loan work. The top-ranked are Lori Jule (Atlantic Coast Mortgage, Fairfax), Terry T. Terzakis (Homestead Funding, North Haven) and Mike Nadeau (First Home Mortgage, Seekonk). Ranking is lender-neutral: specialty evidence first, then a license in RI, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 6

  1. 1

    Lori JuleNMLS 190409

    Atlantic Coast Mortgage · Fairfax, VA · licensed in 27 states

    • USDA loan
    • FHA loan
    • Jumbo loan
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in RI (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Terry T. TerzakisNMLS 110369

    Homestead Funding · North Haven, CT · licensed in 12 states

    • USDA loan
    • FHA loan
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in RI (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Mike NadeauNMLS 20421

    First Home Mortgage · Seekonk, MA · licensed in 4 states

    • USDA loan
    • FHA loan
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in RI (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Shawn MartinNMLS 76599

    Allied Mortgage Group · Middletown, CT · licensed in 7 states

    • USDA loan
    • FHA loan
    • Jumbo loan
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in RI (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Shawn DurantNMLS 221971

    American Pacific Mortgage · Roseville, CA · licensed in 45 states

    • USDA loan
    • FHA loan
    • First-time buyer
    • Real estate investor
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in RI (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Heidi GageNMLS 213769

    NFM Lending · Linthicum, MD · licensed in 27 states

    • USDA loan
    • FHA loan
    • Renovation loan (203k / HomeStyle)
    • VA loan
    • Lists USDA loan on lender page (lender page, verified 2026-10-09)
    • Licensed in RI (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb

Before you choose

Property location and household income limits must both qualify, and USDA approval adds time to the closing.

  • Is this address in a USDA eligible area?
  • Does my household income fall under the limit for this county?
  • How long does USDA approval take with you right now?

More about USDA loan

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in RI or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=usda&state=RI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.