---
canonical_url: https://lendb.ai/s/usda/rhode-island
last_verified: 2026-10-09
---

# 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.

## Ranked, with reasons

1. **[Lori Jule](https://lendb.ai/lo/lori-jule-190409)** (NMLS 190409), Atlantic Coast Mortgage, Fairfax, VA
   - 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. **[Terry T. Terzakis](https://lendb.ai/lo/terry-terzakis-110369)** (NMLS 110369), Homestead Funding, North Haven, CT
   - 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. **[Mike Nadeau](https://lendb.ai/lo/michael-nadeau-20421)** (NMLS 20421), First Home Mortgage, Seekonk, MA
   - 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. **[Shawn Martin](https://lendb.ai/lo/shawn-martin-76599)** (NMLS 76599), Allied Mortgage Group, Middletown, CT
   - 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. **[Shawn Durant](https://lendb.ai/lo/shawn-durant-221971)** (NMLS 221971), American Pacific Mortgage, Roseville, CA
   - 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. **[Heidi Gage](https://lendb.ai/lo/heidi-gage-213769)** (NMLS 213769), NFM Lending, Linthicum, MD
   - 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

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/usda/rhode-island.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._