Minneapolis & Twin Cities Mortgage Lender
The Jay Dacey Mortgage Team is your local, independent mortgage broker based in Little Canada, MN — right in the heart of the Twin Cities. We shop many lenders to find the right loan, rate, and terms for your family, then guide you start to finish with honest, no-hype advice.
Why Work With a Local Mortgage Broker?
As an independent broker, we work for you — not one bank. That means more options, better rates, and a team you can actually reach.
Shop Many Lenders
We compare rates and programs from a network of top wholesale lenders — so you see multiple options in one place instead of applying at each bank separately.
A Local Team You Can Call
Our office is in Little Canada, MN. When you call 651-315-7681, you reach a real person on our team — not a call center. We know the Twin Cities market and local closing customs.
Quick Closings on Twin Cities Deals
Our in-house operations team and technology keep your file moving — we work to hit your closing date on time, every time, so your Twin Cities purchase stays on track.
Mortgage Loans We Offer in Minnesota
From first-time buyer programs to jumbo and investment financing — we'll match you with the right loan for your situation.
Conventional Loans
Flexible everyday financing for primary homes, second homes, and investments — with PMI that can drop off over time.
Learn MoreFHA Loans
Lower down payments (as low as 3.5%) and more flexible credit guidelines, backed by HUD. Great for first-time and move-up buyers.
Learn MoreVA Loans
No down payment and no monthly mortgage insurance for eligible veterans, active service members, and surviving spouses.
Learn MoreJumbo Loans
Higher loan amounts for homes above conforming limits — financing up to $3M for Twin Cities luxury and higher-priced properties.
Learn MorePhysician Loans
Specialized financing for doctors and medical professionals — flexible down payment options that account for student debt and future earnings.
Learn MoreFirst-Time Buyer Loans
Minnesota first-time homebuyer programs with down payment assistance and below-market rates — we'll walk you through every option.
Learn MoreRefinance Loans
Lower your rate, shorten your term, or tap your equity with a rate-term or cash-out refinance tailored to your goals.
Learn MoreInvestor / DSCR Loans
Financing for rental and investment properties — qualify on rental income with DSCR, fix-and-flip, bridge, and construction options.
Learn MoreAreas We Serve
We help homebuyers and refinancers across Minneapolis, St. Paul, Edina, Woodbury, Eden Prairie, Plymouth, and the rest of the Twin Cities and greater Minnesota — plus Wisconsin, North Dakota, and Florida.
See All States We ServeMinneapolis Mortgage FAQ
Common questions from Twin Cities homebuyers and refinancers.
Let's Talk About Your Mortgage
Call, text, or visit our Little Canada office. We'll review your situation and show you real options — no pressure, no hype.
2862 Middle Street
Little Canada, MN 55117
Jay Dacey, NMLS #375033 | Jay Dacey Mortgage Team, Inc. NMLS ID #1812066 | FL: MBR5262 | MN: MN-MO-1812066 | WI: 1812066BR & 1812066BA | ND: ML105045
We lend in: Minnesota, Florida, North Dakota, and Wisconsin.
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
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.
Apply Online
Start your secure application whenever you're ready — easy to use, available 24/7, and you can save your progress and come back to it anytime.
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