Loan Programs
We shop a wide range of loan products so you can choose the one that fits your family. Not sure which is right for you? Call or text us — we'll walk you through every option.
Find Your Loan Match
Answer a few quick questions and we'll point you to the programs that fit.
Not sure which loan is right for you?
Most borrowers don't either — that's normal. Tell us a little about your situation and we'll narrow it down to the programs worth a closer look. No obligation, no pressure.
Down Payment Assistance (MN)
Up to $18,000 in down payment and closing cost assistance for eligible Minnesota homebuyers.
- Up to $18,000 toward your down payment and closing costs
- Available to eligible first-time and repeat Minnesota buyers
- Helps make homeownership reachable with less upfront cash
Conventional Loans
Flexible, everyday financing for buyers with steady income and solid credit.
- Flexible financing for primary homes, second homes, and investments
- A range of terms to match your monthly budget and goals
- Private mortgage insurance may be cancelled over time
- A common, straightforward choice for many homebuyers
VA Loans
No-down-payment options for eligible veterans, active service members, and surviving spouses.
- No down payment required for eligible borrowers
- No private mortgage insurance
- For veterans, active service members, and surviving spouses
- Government-backed financing with competitive rates
FHA Loans
Lower-down-payment loans that help buyers with modest savings or credit qualify.
- Lower down payment options (as low as 3.5% down)
- More flexible qualifying guidelines and credit options
- Gift funds permitted for 100% of your down payment
- Government-insured financing backed by HUD
USDA Loans
Zero-down financing for eligible rural and suburban home purchases.
- Zero down payment for eligible properties
- Designed for rural and suburban home purchases
- Competitive, fixed-rate financing
- Government-backed program
Jumbo Loans
Higher loan amounts for homes that exceed standard conforming limits.
- For loan amounts above standard conforming limits
- Financing for higher-priced homes up to $3M
- Flexible terms and competitive options
- Tailored underwriting across MN, WI, ND, and FL
HELOCs
A flexible line of credit secured by your home's equity, ready when you need it.
- A revolving line of credit secured by your home's equity
- Draw funds as you need them, only as you use them
- Interest-only payments during the 10-year draw period
- Use it for renovations, debt consolidation, or reserves
Refinancing
Lower your payment, shorten your term, or tap your equity with a new loan.
- Lower your monthly payment and total interest paid
- Shorten your loan term and own your home sooner
- Consolidate high-interest debt at a lower rate
- Cash out equity for improvements, college, or investments
Investor Loan Products
Financing built for rental properties and real estate investment portfolios.
- Financing for rental and investment properties
- Options for building a real estate portfolio
- Tailored to cash flow and investment goals
- Solutions for 1- to 4-unit properties and more
Reverse Mortgages
Homeowners 62+ can unlock equity with no required monthly mortgage payment.
- For homeowners 62 and older
- No required monthly mortgage payment
- Access your equity while staying in your home
- Led by Ben Bina — explore your options with us
Not sure which loan fits your situation? Call or text us at 651-315-7681 — we'll explain every option in plain language, no pressure.
Frequently Asked Questions
Quick answers to the most common questions about choosing a loan program.
What Our Clients Say
Real feedback from Minnesota, Wisconsin, North Dakota, and Florida homebuyers and refinancers.
"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 200+ Verified Client Reviews
Ready to Get Started?
Choose the option below that works best for you to get started with the Jay Dacey Mortgage Team.
Schedule a Call
Book a 1-on-1 mortgage consultation to review your budget, rate options, and down payment strategies.
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