Mortgage Questions, Answered for Minnesota Buyers
These are the questions people ask us most before they call. The answers are general — your options depend on your credit, income, savings, the home, and the program. When you're ready for answers about your own situation, contact us or start an application.
Down payment
Frequently Asked Questions
Credit
Frequently Asked Questions
Working with a broker
Frequently Asked Questions
Closing costs
Frequently Asked Questions
Timeline and pre-approval
Frequently Asked Questions
Refinancing
Frequently Asked Questions
Conventional, FHA, VA, USDA, jumbo, HELOC, refinance, and investor loans.
Try the calculators →How much can I qualify for, monthly payment, rent vs. buy, and should I refinance.
Next steps
Have a question we didn't cover? Contact us or meet the team. Ready to start? Apply now.
Jay Dacey Mortgage Team, Inc. • NMLS #1812066 • Licensed in MN, WI, ND & FL
What Our Clients Say
"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 325+ Verified Client Reviews
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