Terms & Conditions

1. Use of Our Website

You may use our website for lawful purposes only and in a manner that does not infringe the rights of others or restrict their use of the site. You agree not to interfere with or disrupt the site, its servers, or the networks connected to it.

• Do not attempt to gain unauthorized access to any part of the site, other accounts, or computer systems.
• Do not introduce viruses, malware, or any other malicious code.
• Do not collect or harvest personal information of other users.
• Do not use automated means to scrape, copy, or monitor the site without our permission.
• Do not use the site to send unsolicited communications or advertising.

2. Informational Content Only

All content on this website — including rates, calculators, loan descriptions, articles, and tools — is provided for general informational purposes only and does not constitute an offer to lend, a commitment to lend, or professional financial, tax, or legal advice.

Mortgage rates, programs, terms, and eligibility requirements change frequently and vary by borrower and transaction. Any figures produced by our calculators or rate tools are estimates and not a guarantee of qualification, pricing, or loan approval. For a personalized quote and to confirm current pricing and eligibility, please contact us directly.

3. Not an Offer to Lend

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. Any loan approval is subject to satisfactory appraisal, title review, and verification of information provided.

4. Loan Applications

When you submit a loan application or inquiry through our website, you represent that all information you provide is true, accurate, and complete to the best of your knowledge. Submitting an application does not guarantee approval or a specific rate or term.

By applying, you authorize Jay Dacey Mortgage Team, Inc. and our lending partners to verify the information you provide, including ordering credit reports, verifying employment and income, and confirming assets and liabilities. Applications and supporting documents may be shared with lenders, investors, servicers, and third-party service providers involved in originating, purchasing, or servicing your loan.

5. Communications and Consent

By providing your contact information, you consent to be contacted by Jay Dacey Mortgage Team, Inc. and our authorized partners regarding your inquiry or application, using the phone number(s) and email address you provide. This may include calls and text messages sent using an automatic telephone dialing system or prerecorded messages, and emails.

Your consent to these communications is not a condition of any purchase. You may opt out of marketing communications at any time by following the unsubscribe instructions in any message or by contacting us. For details on how we handle your information, please review our Privacy Policy and TCPA Consent Policy.

6. Third-Party Links and Embedded Tools

Our website may contain links to third-party websites and may embed third-party tools (such as rate widgets, calculators, scheduling, and home-value tools). We do not control these third parties and are not responsible for their content, accuracy, privacy practices, or availability. Your use of third-party sites and tools is at your own risk and subject to their own terms and policies.

7. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Jay Dacey Mortgage Team, Inc. or its licensors and is protected by copyright and other intellectual-property laws. You may view and download a single copy of the content for your personal, non-commercial use. You may not copy, reproduce, distribute, or create derivative works from the content without our prior written permission.

8. Disclaimers and Limitation of Liability

This website and its content are provided 'as is' and 'as available' without warranties of any kind, either express or implied, including but not limited to warranties of accuracy, completeness, or fitness for a particular purpose. To the fullest extent permitted by law, Jay Dacey Mortgage Team, Inc. disclaims all liability for any damages arising from your use of, or inability to use, the website or its content, or from any reliance on information obtained through the site.

9. Governing Law

These Terms & Conditions are governed by the laws of the State of Minnesota, without regard to its conflict-of-law principles. Any dispute arising from your use of the website shall be resolved in the courts located in Minnesota, except where federal law requires otherwise.

10. 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.

11. Changes to These Terms

We may update these Terms & Conditions from time to time. When we do, we will revise the 'last updated' date at the top of this page. Your continued use of the website after any change constitutes your acceptance of the revised terms.

12. Contact Us

If you have questions about these Terms & Conditions, 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