Whether Refinancing or Purchasing a Home, we will take the time to understand your specific situation and be by your side during every step of the home loan process. My name is Jay Dacey, NMLS 375033 and I want to thank you for taking the time to visit my website. I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current Minnesota home loan.
I am a Minnesota mortgage consultant, serving all of Minnesota, and the surrounding communities. If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking for Minnesota home loans, you will find that this site is a complete resource full of insider secrets that will allow you to choose the Minnesota mortgage program best suited to your financial needs.
I am a Minnesota mortgage consultant, serving all of Minnesota, and the surrounding communities. If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking for Minnesota home loans, you will find that this site is a complete resource full of insider secrets that will allow you to choose the Minnesota mortgage program best suited to your financial needs.
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Part of the mortgage process includes verifying income. You must be able to show that you can afford the home loan payments, regardless of the type of home loan program. If you do not have a job or any other way to financially support a mortgage, consider holding off applying for a home loan until you can verify employment and income.
First time homebuyer? You've come to the right place! Looking at real estate fliers and touring homes is easy. Applying for a home loan and figuring out how to pay for a house - well, that can get complicated. Let us guide you through understanding a home loan. Buying a house is one of the largest investments most people make.
Your mortgage payment cannot be more than 31% of your monthly gross income and your monthly debts (house, car, student loans, etc.) cannot exceed 45% of your monthly gross income. If you think about it - the banks are taking a big risk to loan you enough money to buy a house. They receive thousands of applications each week from hopeful homeowners and investors requesting to borrow funds.
Jay Dacey Mortgage Team Inc proudly offers mortgage loan products for active-duty military and veterans in Minnesota. A VA loan is a mortgage loan guaranteed by the U.S. Department of Veterans Affairs (VA) that is available to most U.S. service members. VA loans offer a loan guaranty benefit to help eligible veteran borrowers refinance or buy a home.
Jay Dacey Mortgage Team Inc in St Paul helps homeowners secure FHA loans. FHA loans allow you to purchase a home with a 3.5% down payment, or refinance a home up to 96.5% of the home's value. FHA loans are easier to qualify for, and offer several homeowners an easy way to secure financing. This means that you can refinance your current FHA loan with a very simple process.
Reviews (9)
Chris Wurst
Jan 24, 2022
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Emily Huberty
Jan 05, 2022
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Working with Rachel and Madeline from the Jay Dacey team was wonderful! My husband and I got quick answers to our questions and they got all of our paperwork figured out faster than I could have imagined! I would recommend the team to anyone looking for a transparent mortgage team who has your best interest at heart!
Steve Adamek
Jan 02, 2022
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Tony Greczyna
Dec 19, 2021
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Jeff Paar
Nov 25, 2021
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Jay got me the mortgage I needed when others wouldn’t. I had challenges of a recent divorce and being a small business owner, but Jay found a way to get it done. His Team is very good as well. Everything went as promised. The rate I received was outstanding! I would definitely recommend Jay and his team.
Steve Tousignant
Oct 20, 2021
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We worked with Jay and his team over the past 1-1.5 years to first refinance our home and then obtain a mortgage for our dream cabin up north. Jay and his team were incredibly patient, and responsive through the entire process. Jay was always willing to take the time to make sure we understood the process and happily answered the questions we had. In the end, our experience was smooth and seamless and we were well positioned to make a quick offer in this highly competitive market which helped us achieve our dreams.
I would encourage anyone who is looking for help with their mortgage to reach out
I would encourage anyone who is looking for help with their mortgage to reach out
Daryl Drennan
Aug 20, 2021
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Jay and everyone at the Jay Dacey Group works hard and fast to get things done for your home loan, they did for me. They helped me get my new home in Burnsville and I’m seriously happy to finally have a place to call home. I just want to say thank you, Jay and team for helping us on our loan, you guys are the best.
Mira Schroeder
Aug 14, 2021
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Pam Rapp
Oct 11, 2020
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Jay and his team were truly incredible to work with. From connecting with us to learn more about our needs for our first home, to collecting documents and making the process easy, to answering a LOT of questions, to the fastest close in town! Our home had 15 offers and we believe our offer was the strongest due to our pre-approved status and Jay's team's confidence that we could close in a matter of weeks, not months. The sellers were very motivated to have a financially secure and fast closing and Jay and his team were right there to help us seal the deal. We are SO HAPPY to be in our first home
