Pawtucket, RI NMLS# 2661655

145 Newport Avenue, Pawtucket, RI 02861

Our experienced team of mortgage professionals understands the unique needs of Pawtucket’s diverse community. Whether you're a first-time homebuyer, looking to refinance, or exploring investment opportunities, we are here to provide expert guidance and custom loan solutions designed just for you.

With access to competitive rates, a wide variety of loan programs, and a commitment to delivering fast, reliable service, we strive to make the mortgage process as smooth and stress-free as possible. Your journey to homeownership is our priority.

Ready to get started? Contact us today and let us help you take the next step toward your dream home!

House

The selection you need at the interest rate you want.

Testimonials

I had an outstanding experience working with Derick throughout the home-buying process. From start to finish, he was incredibly knowledgeable, patient, and responsive. He took the time to explain every step, answered all of my questions, and always made himself available whenever I needed guidance. Buying a home can be overwhelming, but I made the entire process feel manageable. His communication was excellent, and I always felt informed and supported. More importantly, he genuinely cared about helping me achieve my goal of becoming a homeowner. I truly believe I would not have been able to purchase my home without his dedication, expertise, and encouragement. I am beyond grateful for everything he did for me and highly recommend him to anyone looking for a mortgage professional. Thank you for helping make my dream of homeownership come true!

Elizabeth G.

google

Testimonials

I had an outstanding experience working with my loan officer throughout the home-buying process. From start to finish, he was incredibly knowledgeable, patient, and responsive. He took the time to explain every step, answered all of my questions, and always made himself available whenever I needed guidance. Buying a home can be overwhelming, but I made the entire process feel manageable. His communication was excellent, and I always felt informed and supported. More importantly, he genuinely cared about helping me achieve my goal of becoming a homeowner. I truly believe I would not have been able to purchase my home without his dedication, expertise, and encouragement. I am beyond grateful for everything he did for me and highly recommend him to anyone looking for a mortgage professional. Thank you for helping make my dream of homeownership come true!

Elizabeth T.

thelenderlist

Testimonials

Dasmin was amazing kept me well informed along the way. He was very responsive and made sure I understood the process and each step along the way. He made the home buying processes significantly easier than i expected it would be! Thank you Dasmin!!

Alicia S.

thelenderlist

Testimonials

Work with mateo good experience very good guy respond to all my cuestion good communication.

Junior B.

thelenderlist

Testimonials

Derrick is the best he make every thing easy

Kayon P.

thelenderlist

Testimonials

Derick is great was available and answered any question or found a solution for every problem I had!

Devaughn S.

thelenderlist

Testimonials

One of the best Mortgage Guys I ever had a pleasure dealing with. Responsive, honest, transparent, and generaly a great guy. Would recomend highly.

Yuri F.

google

Testimonials

Top notch services great lender to work with.

Victor T.

thelenderlist

Testimonials

"I truly appreciate all the support I received from Derrick Acosta. He was incredibly professional, easy to work with, and made me feel comfortable and confident throughout the entire loan approval process—from beginning to end. His guidance and communication made everything smooth and stress-free\n\n"

Isaida H.

thelenderlist

Testimonials

I worked with Derick Dacosta, an excellent professional, who has a good ability to communicate and explain details throughout the entire loan process. shows willingness to help and that is why I got a good interest rate for myself and helped me with the first time home buyer program. It was great working with Derick Dacosta and I highly recommend him. God bless you

Mauricio

zillow

Testimonials

Amazing experience, smooth and closed within 30 days!!! Always there to answer any questions I’ve had(and I called a lot ) thanks man for everything!!

Max D.

google

Testimonials

Derick went above and beyond to make this experience of purchasing an investment as smooth and as simple as possible. Derick was there to answer every single question I had for him. Every step of the way he was there and we were able to close on our investment in exactly 1 month since we started looking! Highly recommended and excellent communication matter what time he was there answering questions. Top notch loan officer. Thanks again Derick

Airports C.

google

Testimonials

Let tell you Dereck Acosta was one of the best , helping me to get everything together for my dream home , he didn’t gave up until he and his team got me my house , thank you Total Mortgage team .

Yamelys M.

google

Testimonials

I was introduced to Derick through my real estate agent. It turns out Derick was the one to walk me through my entire home-buying process. Derick is helpful, and knowledgeable about the home-buying process. I couldn't have had a more easy process without Derick's guidance. I would recommend Derick to anyone looking for a property give him a call or email him. Trust the process and you would never be let down, he will steer you in the right direction. 100% honesty!!!!!

Adrian C.

google

Testimonials

Derick is very professional, hardworking, went above and beyond to get my loan to the closing table!

Janice M.

google

Testimonials

Communication was great

Adedayo P.

encompass

Testimonials

Dasmin was absolutely incredible to work with. He was personable, attentive, and really made my wife and I feel as though we were priority number 1 at all times. I’m looking forward to working with him again and am thankful that he made this process as smooth as possible.

Jamie G.

encompass

Testimonials

Got a house less than a year with Dreick Dacosta it's took two months to sign am so happy we got a house with this guys

Galaxy M.

google

Testimonials

I’ve done several deals with Derick, and I must say that he truly cares about getting his clients the best deal possible. It’s not just about closing a loan with him. He wants to make sure that his borrowers sign for a loan that they can sustain.

Brandan B.

google

Testimonials

Derick was so amazing! Through the entire process he make sure we understood what was happening, he put in his best effort to get us the lowest numbers he could get us ! We ended up buying our first house with ease, and locked in with the lowest rates! We couldn’t thank Derick enough for making this process so great, I would reccomend him 1000x again! Awesome work Derick

Jessica S.

google
Mortgage Rates Illustration

Mortgage rates today

The current 30-year fixed mortgage rate is as low as 6.750%. Get a personalized quote in just a few minutes.

Above rates last updated July 9th 2026, 4:30pm EST.

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