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.
Services
Mortgage Advice
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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.
Home Loans Made Simple
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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.
Conventional Loans Eligibility
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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.
VA Loans Veterans Affairs
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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.
FHA Loans
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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.
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