Woodbury & East Metro Mortgage Lender
Looking for a mortgage in Woodbury? Jay Dacey Mortgage Team is an independent mortgage broker based in Little Canada, MN. We compare loan options from several wholesale lenders so you can see programs and pricing in one place. Then we guide you from pre-approval through closing.
Call or text 651-315-7681, contact us, or apply online when you're ready.
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.
We Compare Several Wholesale Lenders
As a broker, we are not limited to one bank's products. We compare programs across a network of wholesale lenders and do the shopping for you.
A Team You Can Actually Reach
Our office is at 2862 Middle Street, Little Canada, MN 55117. When you call 651-315-7681, you reach a real person on our team, not a national call center.
Quick Closings
Our operations team and technology keep your file moving. We work to hit your closing date on time, every time, so your Woodbury purchase stays on track.
Mortgage Loans for Woodbury Homebuyers & Homeowners
We help eligible borrowers with the programs below — and we'll match you with the right one for your situation.
Conventional Loans
Everyday financing for primary homes and, when guidelines allow, second homes. Private mortgage insurance may apply with lower down payments and can often be removed later when equity and program rules allow.
Learn MoreFHA Loans
Backed by HUD, with a lower down payment path and flexible credit guidelines for many eligible buyers.
Learn MoreVA Loans
For eligible veterans, service members, and surviving spouses, often with no down payment when the price does not exceed the appraised value.
Learn MoreUSDA Loans
Zero-down options may be available for eligible buyers in eligible rural areas. Property location rules apply, and parts of the East Metro may or may not qualify.
Learn MoreJumbo Loans
Financing above conforming loan limits for higher-priced Woodbury and Twin Cities homes.
Learn MorePhysician Loans
Programs designed for doctors and medical professionals, with guidelines that can account for student debt and future earnings.
Learn MoreRefinance Loans
Rate-and-term or cash-out refinance options when your goals and the numbers support a change.
Learn MorePurchase Loans
From first offer to clear-to-close, we coordinate with your agent, title company, and underwriting so Woodbury purchase files stay on track. First-time buyers start here.
Learn MoreAll loans are subject to credit approval, program guidelines, and property eligibility. Not all applicants will qualify.
Areas We Serve Nearby
We help buyers and refinancers across Woodbury, Cottage Grove, Lake Elmo, Maplewood, Oakdale, Stillwater, and the rest of the East Metro and Twin Cities — plus Wisconsin, North Dakota, and Florida, where we are licensed.
Let's Talk About Your Woodbury Mortgage
Call, text, or visit. We'll review your situation and show you real options, with no pressure and 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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