Meet the Jay Dacey Mortgage Team

Jay Dacey

President & Mortgage Loan Originator

NMLS #375033

Jay Dacey is a nationally-known mortgage expert who has been featured in dozens of the top-rated financial publications and websites for his expert advice on all things mortgage, credit, and real estate! In the industry since 2003, Jay takes the time to explain every detail of the loan process, from first-time homebuyers to move-up buyers to complex financial transactions. Out of the office Jay enjoys coaching the basketball teams of his 2 kids, Elle and Chase, and spending time with his wife Kristin.

Ben Bina

Reverse Mortgage Loan Consultant / MLO

NMLS #2729340

Ben Bina arrived at the Jay Dacey Team in summer of 2025 as to launch our reverse mortgage division at largerlegacy.com. He works directly with homeowners 62+, their families, and financial planners to safely unlock home equity, improve retirement cash flow, and build a lasting financial legacy. Ben comes to the role with extensive experience in personal coaching and insurance. His openness and desire to connect with others make him a great fit for the team.

Madeline McNamara

Operations Manager / MLO

NMLS #1542933

Madeline McNamara has been working with Jay as the Operations Manager since 2016. She has been ranked in the top 1% of loan originators in the country with closing over $80M annually and has received numerous awards from our lending partners including "Fastest Closer" by United Wholesale Mortgage. With her extensive knowledge and patience, she is the "glue" of our team. Prior to working in mortgage, Madeline obtained a Psychology degree from the University of St. Thomas. She lives in Lindstrom with her husband and two children.

Rachel Scott

Loan Partner

NMLS #2017360

Rachel works alongside Jay and Madeline to guide buyers through initial qualification, document collection, and pre-approval letters. She joined the team in 2020 after graduating from the University of St Thomas. She is known in the office for her attention to detail and puts that to use dotting the "i"s and crossing the "t"s of clients' loan paperwork. She and her three children live in Andover.

Shannon Lukas

Loan Processor

Shannon Lukas came to the Jay Dacey team in 2023. Her team attitude and her experience in client relations, data management, and education have made her an excellent fit for the team and the mortgage industry. Shannon runs the team's office and supports in helping our clients get from underwriting all the way to loan closing. Outside of work, Shannon and her husband and daughter enjoy hiking, especially the Superior Hiking Trail in northern MN.

Lynsey Simmet

Project & Hiring Manager

Lynsey Simmet joined the team as our Project and Hiring Manager after working in the finance industry for over 13 years. She has led a broad array of projects including finding and training new team members, spearheading our Homebot marketing, and serving as the lead Post Closer. She earned her Bachelor's in Financial Management and her MBA from the University of St. Thomas. Her daughter and two sons keep her on her toes.