Jay Dacey Mortgage Team, Inc. offers a range of government-backed and conventional mortgage programs. The disclosures below describe key federal programs we work with and link to the official government resources where you can learn more. This information is provided for educational purposes and is subject to change. Program availability, eligibility, and terms are set by the respective agencies.
Independent of Any Government Agency
These materials were not approved by any government agency. They are independent of any government agency. The materials on our site are not from HUD, FHA, the USDA, or the VA.
We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners.
Links to each government agency's official documents are below.
Equal Housing Opportunity
Jay Dacey Mortgage Team, Inc. is an Equal Housing Lender. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, source of income, or any other basis prohibited by applicable law. It is illegal to discriminate in the sale, rental, or financing of housing based on these protected classes.
The Equal Housing Opportunity logo is displayed throughout our website and on our marketing materials in compliance with the Fair Housing Act.
- Fair Housing Act — prohibits discrimination in housing and mortgage lending.
- Equal Credit Opportunity Act (ECOA) — prohibits discrimination in credit transactions.
- You may file a housing discrimination complaint with HUD if you believe your rights have been violated.
U.S. Department of Housing and Urban Development (HUD)
HUD is the federal agency responsible for national policy and programs that address America's housing needs, improve the quality of neighborhoods, and enforce fair housing laws. Many of the loan programs we offer — including FHA-insured loans — are governed by HUD guidelines.
For official information on HUD programs, FHA loans, housing counseling, and fair housing, visit the HUD website:
- HUD Home Page: https://www.hud.gov
- FHA Loan Information: https://www.hud.gov/topics/buying_a_home
- HUD-Approved Housing Counseling: https://www.hud.gov/counseling
- File a Housing Discrimination Complaint: https://www.hud.gov/program_offices/fair_housing_equal_opp/online-complaint
U.S. Department of Agriculture (USDA) Rural Development
The USDA Rural Development Single Family Housing Guaranteed Loan Program and Direct Loan Program help low- to moderate-income homebuyers purchase homes in eligible rural and suburban areas. USDA loans may offer no-down-payment financing for qualified borrowers and eligible properties.
For official information on USDA loan programs, eligibility maps, and program requirements, visit the USDA Rural Development website:
- USDA Rural Development Home Page: https://www.rd.usda.gov/programs-services/single-family-housing-programs
- USDA Eligibility Map: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfhloans
- USDA Single Family Housing Guaranteed Loan Program: https://www.rd.usda.gov/programs-services/single-family-housing-guaranteed-loan-program
- USDA Single Family Housing Direct Loan Program: https://www.rd.usda.gov/programs-services/single-family-housing-direct-home-loans
U.S. Department of Veterans Affairs (VA) Home Loans
The VA Home Loan program helps veterans, active-duty service members, and eligible surviving spouses become homeowners. VA loans are provided by private lenders like Jay Dacey Mortgage Team, Inc. and are backed by the Department of Veterans Affairs. Eligible borrowers may qualify for no-down-payment financing with no private mortgage insurance.
For official information on VA home loan benefits, eligibility, and the Certificate of Eligibility (COE), visit the VA website:
- VA Home Loans Home Page: https://www.va.gov/housing-assistance/home-loans/
- VA Home Loan Eligibility: https://www.va.gov/housing-assistance/home-loans/eligibility/
- Request a Certificate of Eligibility (COE): https://www.va.gov/housing-assistance/home-loans/how-to-request-coe/
- VA Home Loan Limits: https://www.va.gov/housing-assistance/home-loans/loan-limits/
FHA Loans (Federal Housing Administration)
FHA loans are insured by the Federal Housing Administration, a part of HUD, and are designed to help borrowers with modest down payments and flexible qualifying guidelines. FHA loans require mortgage insurance premiums (MIP) to protect the lender against loss.
For official information on FHA loan programs, mortgage insurance, and loan limits, visit the HUD website:
- FHA Loan Programs: https://www.hud.gov/topics/buying_a_home
- FHA Mortgage Insurance: https://www.hud.gov/program_offices/housing/sfh/ins/sfhinsp
- FHA Loan Limits: https://entp.hud.gov/idapp/html/hicostlook.cfm
NMLS Consumer Access
Jay Dacey Mortgage Team, Inc. is a licensed mortgage company. Our NMLS Company ID is 1812066. You can verify our licensing and the licensing of individual loan officers through the NMLS Consumer Access website, a free service provided by the Nationwide Multistate Licensing System & Registry.
NMLS Consumer Access: https://www.nmlsconsumeraccess.org
- Company: Jay Dacey Mortgage Team, Inc. (NMLS ID #1812066)
- Jay Dacey, NMLS #375033
- Jay Dacey, NMLS #375033 | Jay Dacey Mortgage Team, Inc. NMLS ID #1812066 | FL: MBR5262 | MN: MN-MO-1812066 | WI: 1812066BR & 1812066BA | ND: ML105045
Licensing Information
Jay Dacey Mortgage Team, Inc. is licensed to originate mortgage loans in the following states:
We lend in: Minnesota, Florida, North Dakota, and Wisconsin.
Licensing information is subject to change. Please verify current licensing through NMLS Consumer Access.
Important Disclosures
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
This is not a commitment to lend. All loans are subject to credit approval, income verification, and property appraisal. Programs, rates, terms, and conditions are subject to change without notice. Some products may not be available in all states.
Government loan programs (FHA, VA, USDA) are backed by federal agencies but are originated and serviced by private lenders. The agencies set program guidelines and guarantee a portion of the loan; they do not lend money directly to borrowers (except for the USDA Direct Loan program).
Contact Us
If you have questions about any of these government programs or would like to learn which loan option may be right for you, please contact us:
- Jay Dacey Mortgage Team, Inc.
- 2862 Middle Street, Little Canada, MN 55117
- Phone: 651-315-7681
- Email: Jay@JayDacey.com
- NMLS ID #1812066
Jay Dacey Mortgage Team, Inc. · NMLS ID #1812066