Your Dream Home Deserves a Mortgage Tailored to Your Life.
Backed by -33+ years of community trust and over 200 verified 5-star reviews, Jay Dacey and his team compare top mortgage options to find the ideal rate and structure for your family—delivering personal guidance and a seamless process that closes on time, every time.
Choose Where To Start
Fast online application, 60-second quiz, Call or Text Us
Why Work with the Jay Dacey Team?
An experienced team that treats every client like a long-term relationship — explaining every step and shopping the best options for your situation.
Communication
Our well-integrated team keeps you informed every step of the way. You'll always know what's going on and what the next steps are.
Follow-Up
We stay on top of every detail and every deadline, and we check in with you throughout the process — not just at the start. You're never left wondering what's happening.
On Time — Every Time
With our team and our technology, we work to get your mortgage to the finish line on time for closing. On time, every time.
Personal Attention
We take the time to get to know you. A mortgage is a huge financial decision, and we make sure your immediate and long-term goals are met.
Choices
We do the shopping for you, with multiple rate and fee options, so you can choose the home loan that fits your family.
Over 200 5★ Verified Reviews
Real families across Minnesota, Wisconsin, North Dakota, and Florida have trusted us with their home loans — and shared their experience.
The Jay Dacey Mortgage Team Loan Officers
Meet the experienced loan officers who'll guide you from first call to closing.
-33+ Yrs ExperienceJay Dacey
President & Lead Mortgage Loan Originator
NMLS #375033
Reverse Division LeadBen Bina
Reverse Mortgage Loan Consultant / MLO
NMLS #2729340
Top 1% National OriginatorMadeline McNamara
Operations Manager / Senior MLO
NMLS #1542933
Learn More About Our Team
Meet the people who'll guide your loan from start to finish.
As Seen on CBS News
Jay Dacey has been featured on CBS News for his expert advice on mortgages, credit, and real estate. See the coverage and learn why families trust our team.
Get a Personalized Rate Quote
The rates above are national averages. For numbers that reflect your actual situation, answer a few quick questions and Jay will send you a personalized quote.
No obligation, 100% free. Prefer to talk? Call or text 651-315-7681.
Find Out How Much Your Home Is Worth
Enter your address above to instantly view the estimated value of your home.
Loan Programs
We shop multiple lenders and products so you can choose the loan that fits your family.
Down Payment Assistance (MN)
Up to $18,000 in down payment and closing cost assistance for eligible Minnesota homebuyers.
Learn MoreConventional Loans
Flexible, everyday financing for buyers with steady income and solid credit.
Learn MoreVA Loans
No-down-payment options for eligible veterans, active service members, and surviving spouses.
Learn MoreFHA Loans
Lower-down-payment loans that help buyers with modest savings or credit qualify.
Learn MoreUSDA Loans
Zero-down financing for eligible rural and suburban home purchases.
Learn MoreJumbo Loans
Higher loan amounts for homes that exceed standard conforming limits.
Learn MoreHELOCs
A flexible line of credit secured by your home's equity, ready when you need it.
Learn MoreRefinancing
Lower your payment, shorten your term, or tap your equity with a new loan.
Learn MoreInvestor Loan Products
Financing built for rental properties and real estate investment portfolios.
Learn MoreSee How Working With Our Team Works
A quick look at our process from first call to closing.
Homeowners 62+
A reverse mortgage can unlock equity with no required monthly mortgage payment. Ben Bina leads this division.
What Our Clients Say
Real feedback from Minnesota, Wisconsin, North Dakota, and Florida homebuyers and refinancers.
"Amazingly Helpful"
I have yet to actually buy a house myself, mostly due to my own questions on what I want, but Jay came highly recommended from a trusted co-worker. He has helped me through multiple choices, questions, potential properties, and helped my sister with her mortgage too. I would highly recommend Jay and his team!
"Seamless Home Buying Experience"
Jay and Madeline were incredible to work with from start to finish. As first-time homebuyers, we had endless questions and they walked us through every option patiently. They found us a rate we couldn't get anywhere else and closed right on schedule!
"Engaged and Responsive!"
THANK YOU to Molly and the Jay Dacey Team! During a refinance of my mortgage loan for lowering my interest rate, lowering my mortgage payment, and squaring away my escrow account! Engaged and responsive! Handled a difficult purchase previously and executed flawlessly.
Read All 200+ Verified Client Reviews
Ready to Get Started?
Choose the option below that works best for you to get started with the Jay Dacey Mortgage Team.
Schedule a Call
Book a 1-on-1 mortgage consultation to review your budget, rate options, and down payment strategies.
Apply Online
Start your secure application whenever you're ready — easy to use, available 24/7, and you can save your progress and come back to it anytime.
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