About Rita Valcorba

As a licensed Homebridge Mortgage Loan Originator in Rhode Island (NMLS #79078), Rita Valcorba can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Rita welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Rita has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Rita Valcorba Anytime

Feel free to contact Rita anytime by phone or email for personalized service and expert advice. Rita Valcorba will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Rita Valcorba is 203(k) Renovation Lending Certified

Rita is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Rita Valcorba values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Rita by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

Melissa W. Aug-18
“Very friendly, fast answers and very knowledgeable.”
Victor R. Aug-18
“Rita goes above and beyond to help.”
Melissa W. August 2018
“Very friendly, fast answers and very knowledgeable.”
Victor R. August 2018
“Rita goes above and beyond to help.”
Melissa W. August 2018
“Very friendly, fast answers and very knowledgeable.”
Victor R. August 2018
“Rita goes above and beyond to help.”
Jose B. March 2018
“Our loan officer Rita is fantastic and helped us so much!”
Joseph R. December 2017
“Fantastic communication.”
Jean L. October 2017
“Great service.”
Raymond P. October 2017
“Rita and her team members were extremely helpful and professional. They were very accessible and available and very reassuring.”
Denise R. South Grafton, MA
“I have been doing business with Rita Valcorba for years. She does a fabulous job. When she meets with my clients she goes through everything with them so they have a great understanding of the loan process. Her communication with me, the Realtor, is excellent so I'm never wondering where we are in the process. Because Rita is always on her game, my transactions with her go smooth. My clients always rave about her.”
Eric D. Providence, RI
“Wonderful and polite lady.”
Brian P. North Scituate, RI
“Worked extra hours to get the mortgage I needed in the time I needed. Thanks, Rita!”
Leslie T. Warwick, RI
“Very professional and experienced in the mortgage business.”
Joanne H. Cranston, RI
“Very helpful.”
Glen P. East Freetown , MA
Kevin S. Warwick, RI
“She was extremely helpful in guiding me through the mortgage process, explained everything in detail, was always available to answer any questions I had, and always kept me up to date on the latest developments. She helped make everything simple and stress-free.”
Carlos D. Warwick, RI
“She was great on everything we needed. Thank you, Rita.”
Robin R. South Attleboro, MA
“She is EXTREMELY knowledgeble, is ALWAYS on top of things, and just as importantly she has an incredibly wonderful sense of humor which helps as most clients are nervous & stressed throughout the process. In most cases, humor helps make it easier to get through it all. Thanks Rita!!”
Ismael S. Pawtucket, RI
“She helped me and my family haveour dream come true, thank you very much.”
Alison S. Smithfield, RI
“Rita was excellent! Always there to answer all of our questions and help explain the process to us since we were first-time home buyers!”
Gwen D. Burrillville, RI
“Rita was FANTASTIC. She was very helpful, knowledgeable, kind, courteous and a pleasure to work with.”
Scott J. Attleboro, MA
“Rita was on top of it all and kept everyone informed.”
Lisa C. West Warwick, RI
“Rita was the best, she went above and beyond and hung in there. She had faith and never gave up on me.”
Christine D. Warwick, RI
“Rita was very knowledgeable, informative, positive, helpful, patient during the three years I have known her and been working with her. She always answered my questions and phone calls in a timely manner and was always very pleasant to talk to.”
Kristen C. Rumford, RI
“Rita is absolutely amazing! I have known her for years and have done a few loans with her, I trust her implicitly. She followed up with me, keeping me informed every step of the way, and took the time to answer every and any question I had (even if it didn't specifically pertain to the refinance). Rita made me a better informed consumer and empowered me to make sound financial decisions. Please tell her a big "thank you" for me!!!”
Ricardo G. Pawtucket, RI
“Rita is phenomenal to work with. I can'”
Oksana D. North Attleboro, MA
“Rita is very professional,  knowledgeable and helped me through every step of the process. She was very organized and responded very quickly. I highly recommend Rita and her team to anyone needing assistance with their mortgage! Rita was a pleasure to work with. I will definitely work with Rita again and recommend her to others.”
George M. Warwick, RI
“Rita Valcorba is #1 in my opinion. She is available 7 days a week to answer my and my clients questions. Real Estate is not a 9-5 Mon-Fri business. Rita has enabled me to help my clients in the purchase process, no matter when we call, no matter what time we call. She is professional, knowledgeable and caring. Rita always puts a personal interest into every transaction, to ensure each and every client she works with has a positive experience during the stressful time of purchasing a home. In the 28 years I have been in the Real Estate business, she has proven to be one of the best, if not the best in the business.”
Raymond V. North Smithfield, RI
“Rita Valcorba made the whole mortgage process seem effortless. She was very professional and walked us through the entire process, she was always there when we needed her.”
Katelyn M. Rehoboth, MA
“Rita Valcorba was amazing every step of the way!”
Scott M. Charlton, MA
“Rita Valcorba was immensely helpful and friendly.”
Matthew C. Cumberland, RI
“Rita was a pleasure to work with. She was friendly, proactive, and thoughtful.”
Augusta M. Providence, RI
“Rita was always there to answer any questions and she came to my home to pick up papers.”
Rui F. Tiverton, RI
“Rita and the whole team made this first time home owner at ease. She went all out to help on paper work that I needed to make this purchase so easy. I 'm so happy with this team. I now tell every one I meet about this experience. Again, thank you. You guys have a great team.”
Eric K. West Warwick, RI
“Rita did a great job keeping the loan on track and the transaction closed in a timely manner.”
Jane M. Wakefield, MA
“Prompt and attentive to every need, no matter what time I emailed her. Rita always told me know what to expect so there were no curveballs. A terrific re-fi experience!”
Edward S. Rehoboth, MA
“Prompt, efficient, and answered all our questions.”
Dennis D. West Warwick, RI
“Our Loan Officer, Rita, made us feel like we were her favorite and most important customer every single time we spoke to her. She was always available to answer all our questions and really helped to make sure we provided the underwriter with everything they MIGHT need before they even asked for it. Her experience allowed her to prepare us for all the potential questions that may come up and helped us get ready ahead of time, rather than having to scramble for anything at the last minute. We LOVED her!”
Karry V. Sutton, MA
“My first time working with Rita and I will be recommending her again!”
Lee C. Brockton, MA
“My client and I worked with Rita Valcorba who was competent and professional. She kept in touch through the whole process. We had commitment two weeks before the closing date and could have closed earlier. There were no problems with mortgage process. It was a great transaction.”
Christine C. Cumberland, RI
“Everything was an excellent experience, but my favorite part was that she explained everything in terms that i would understand, and didn't use loan jargon.”
Michelle K. Smithfield, RI
“Constant communication, as we needed it. Great service throughout the process.”
Sylvia S. Cranston, RI
“Communication and prompt follow-up on questions and concerns! THANK YOU!”
Beth B. North Easton, MA
“As usual Rita Valcorba was outstanding in this transaction. From joining me at open houses at Mr. Pascucci'”
Elizabeth B. Pawtucket, RI
“As always my Loan Officer, Rita Valcorba, was pleasant, professional, and efficient! Every detail was overseen perfectly by her and our commitment and closing were right on schedule! My clients were comfortable and very satisfied with her service, too. She's always there with a smile and answers to every question!”
Beth B. Providence, RI
“As always Rita Valcorba offered my client numerous financing options and explained them thoroughly and patiently. Throughout the transaction she was on top of every detail, kept the Buyer and me very well informed, and maintained her professional but friendly and warm personality that always comforts even the most nervous Buyers.”
Elizabeth B. Providence, RI
“As always my Loan Officer was readily available to explain even the smallest financing details in her professional and knowledgeable way. Her friendly and warm personality was very comforting to my nervous first-time buyer and always makes doing business with her a pleasure for me. She is by far the most efficient and hard working Loan Officer I '”
Elizabeth B. Attleboro, MA
“As always my Loan Officer went above and beyond the call of duty! One of the buyers in this transaction was a first time buyer and very nervous until Rita went to their home and patiently explained the entire process. She is now his "”
Bethany W. Sutton, MA
“Always responded in a timely manner and made sure we closed on time.”
Debra M. Coventry, RI
“Always performing, and producing all she said she would! Quick, and accurate, response to questions from myself and the clients. Calling, and working with, my clients. Making them feel comfortable, and walking them through evey step of the way. She makes my job a lot easier!”
Tom P. Cumberland, RI
“Always available to speak with, on top of everything”

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