Meet the Jay Dacey Mortgage Team
Follow-Up • Communication • On Time, Every Time
A dedicated, responsive team that explains everything — serving homebuyers and refinancers across Minnesota, Wisconsin, North Dakota, and Florida with no sales pressure and no hype.
Loan Officer Specialists
Our nationally recognized loan experts take the time to understand your situation and goals — then match you with the right loan for your family. No pressure, no hype, just honest guidance from pre-approval through closing.
-33+ Yrs ExperienceJay Dacey
President & Lead Mortgage Loan Originator
NMLS #375033
Jay Dacey is a nationally recognized mortgage expert featured on CBS News and in top financial publications. In business since 2003, Jay takes the time to explain every detail, guide move-up buyers, and customize financing strategies that fit your long-term goals.
Top 1% National OriginatorMadeline McNamara
Operations Manager / Senior MLO
NMLS #1542933
Madeline has managed operations with Jay since 2016 and ranks in the top 1% of loan originators nationwide, closing over $80M and serving ~300 families annually. Known as the 'glue' of our team, she brings patience, speed, and exceptional option planning to every client.
Reverse Division LeadBen Bina
Reverse Mortgage Loan Consultant / MLO
NMLS #2729340
Ben leads our Reverse Mortgage division at largerlegacy.com. He works directly with homeowners 62+, their families, and financial planners to safely unlock home equity, improve retirement cash flow, and build a lasting financial legacy without mandatory monthly payments.
The Jay Dacey Mortgage Team
Dedicated professionals who handle your file with meticulous care, keeping underwriting on schedule and communicating every step to closing.
Client Relations Lead
Underwriting & Closing
MBA • Post-Closing
Local Guidance, Modern Technology
Based at 2862 Middle Street in Little Canada, MN, we combine personal, local consultation with secure online applications and real-time status updates so you never feel left in the dark.
Personal Attention
We take the time to understand your immediate budget and long-term financial goals.
Fast On-Time Closings
Top 1% nationwide closing speed ensures seller confidence in your offers.
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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