Steve Ricciardi NMLS 48622

Steve Ricciardi NMLS 48622 Senior Loan Officer with 25+ yrs in lending. Expert in FHA, VA, jumbo, non-QM. Purchase or refinance—guiding clients with care, clarity, and tailored solutions.

Steven Ricciardi NMLS 48622, RATE Mortgage NMLS # 2611, Equal Housing Lender and Member FDIC

5.0 star review received on Experience.com for Steven Ricciardi by Leah G - Much easier experience than my prior (first)...
07/24/2026

5.0 star review received on Experience.com for Steven Ricciardi by Leah G - Much easier experience than my prior (first) homebuying experience. Explained options and details of the mortgage program, provided guidance along the way, and super responsive to both email and phone.

Click to see all 32 reviews of Steven Ricciardi - Northpointe Bank, Senior Loan Officer | NMLS # 48622

One of the biggest challenges facing homebuyers is having enough money for downpayment and closing costs. Northpointe Ba...
07/20/2026

One of the biggest challenges facing homebuyers is having enough money for down
payment and closing costs. Northpointe Bank offers several programs that can help.
As a participating lender with MassHousing, qualified borrowers can receive down payment and closing cost assistance to use towards the purchase of a home in Massachusetts. Buying a home may be more affordable than you think. Connect with me to learn more!

5.0 star review received on Experience.com for Steven Ricciardi by Beth F - Steven took me through the process at a time...
06/28/2026

5.0 star review received on Experience.com for Steven Ricciardi by Beth F - Steven took me through the process at a time when I was particularly worried about my finances due to the current economy. He was professional, patient and - just as importantly - positive. I always felt that I could call him with questions. This experience has been excellent! Steven is wonderful, and the process was stress-free!

Click to see all 31 reviews of Steven Ricciardi - Northpointe Bank, Senior Loan Officer | NMLS # 48622

Access your equity with more flexibility, while keeping your primary mortgage interest rate in place. Our second mortgag...
06/24/2026

Access your equity with more flexibility, while keeping your primary mortgage interest rate in place. Our second mortgage solutions now offer expanded ways to qualify, including alternative income documentation and property cash flow for investment properties. Does your financing align with your financial goals? Let's connect and explore your options.

http://www.northpointe.com/steven-ricciardi

5.0 star review received on Experience.com for Steven Ricciardi by Annunzia R - I  knew  exactly what  to  expect
06/17/2026

5.0 star review received on Experience.com for Steven Ricciardi by Annunzia R - I knew exactly what to expect

Click to see all 30 reviews of Steven Ricciardi - Northpointe Bank, Senior Loan Officer | NMLS # 48622

5.0 star review received on Experience.com for Steven Ricciardi by Mark G - We  were  constantly  informed and  kept  up...
06/17/2026

5.0 star review received on Experience.com for Steven Ricciardi by Mark G - We were constantly informed and kept up to date

Click to see all 29 reviews of Steven Ricciardi - Northpointe Bank, Senior Loan Officer | NMLS # 48622

5.0 star review received on Experience.com for Steven Ricciardi by Mary W - I  have  worked  with  Steve several time  h...
06/11/2026

5.0 star review received on Experience.com for Steven Ricciardi by Mary W - I have worked with Steve several time he makes it easy he understanda my income issues and he's a great help and works fast

Click to see all 28 reviews of Steven Ricciardi - Northpointe Bank, Senior Loan Officer | NMLS # 48622

Homeownership is more than a milestone. It's a place to build memories, create stability, and invest in your future.Plea...
06/10/2026

Homeownership is more than a milestone. It's a place to build memories, create stability, and invest in your future.
Please reach out to get started on homebuying journey!

This National Homeownership Month, let's talk about your goals and create a path to get there. Connect with me to get started.

Whether you're in residency, starting a new role, or established in your career, your financial path can look different ...
05/27/2026

Whether you're in residency, starting a new role, or established in your career, your financial path can look different than most. Traditional mortgage options do not always align with the timing of your income, student debt, or your current level of savings which is why our Medical Professionals program is designed to support where you are and where you're headed. You've invested in your future. Your financing should reflect that. See if you qualify today!

http://www.northpointe.com/steven-ricciardi

Address

469 Angell Street Suite 1
Providence, RI
02906

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