Manager, Mortgage Loan Officer, Certified Military Housing Specialist (CMHS) 

About | Welcome Letter | Testimonials | Preferred Partners | Home Buyers Scouting Report Tour & Mobile App Videos | Radio Show


Personal NMLS ID 79048 & Co. NMLS ID 4474

I manage iLoan with my partner, Tom Garrity. You may have seen our commercials during such quality television as the NBA Playoffs, Robot Chicken, or the SyFy’s Sharknado. I’ve been told I have a baby face, but don’t be fooled. I’ve been doing mortgages since prime rate was 8.5% (That’s since 1997, for non-nerds). When you meet me, I will probably be badly in need of a haircut but packing the latest technology, both hardware and software. You can have as much information from me as you can possibly stomach about your loan and the market. Just say stop when you’ve had enough. While many believe that I have no interests outside of work, I do enjoy spending time with my wife and our four weimaraners, fishing, and having my hopes dashed by the MN Vikings.

For a more professional profile and perhaps more inspiring one, try my LinkedIn resume: click here

Welcome Letter

Thanks for considering me for your loan officer.

If you’re curious about my company, we are the biggest mortgage lender in MN that you’ve never heard of. We underwrite and fund our own loans and then subsequently sell off the loan to any one of many different “end investors” that I’m sure you’ve heard of (i.e. Wells Fargo, Sun West, Franklin American Mortgage Company, GMAC, Flagstar, Mortgage Services III, LLC, Chase, Affiliated, Provident, PHH, etc.). While I have the capacity to broker loans to other lending institutions, I primarily act as a correspondent lender with funding and delegated underwriting authority for Fannie Mae, Freddie Mac, RD, MHFA, VA and FHA loan products. For my personal resume click here and for our company Better Business Bureau rating, click here.

A lot of the mortgage process can be handled online and over the phone these days. What I typically like to do is get all of the essential information that would be needed to process the pre-approval ahead of time and then, when we meet or schedule a conference call, we’ll take that time to go over options. Otherwise, we’ll end up going over paperwork and forms that are less relevant to your interests. A third option (and a very popular one) would be to do a video conference at https://join.me/iloanhomemortgage where you can see me, hear me and see my computer screen. This seems to work better for most of my clients but I can accommodate a change in plans if you need.

This front-end process comes in 3 steps. The three steps come in this order:

(1) Apply online. To start this process, click here. You can schedule an application over the phone if you prefer but the online application is quicker and most people opt for it because it is less intrusive on a person’s schedule.  To learn why this is the most important step in the loan process, click here.

(2) Collect needed paperwork for the transaction. Although I can provide you with a checklist that’s tailored to your specific transaction, it’s a better idea for you to get an idea of what will be needed now; to see this list, click here. This information is not required for a pre-approval but the strength of your pre-approval will be reinforced by proper review of this material so it is highly recommended.

(3) Schedule a face to face meeting, conference call or video conference to go over the options that you have, how these options will fit in with your short and long term plans, suggestions that could improve your options (if applicable), principles of floating a rate vs. locking a rate, interest rate forecasts, general lending industry questions and anything else that you have on your mind.

After these 3 steps, I’ll pre-underwrite the loan directly through FHA, Fannie Mae or Freddie Mac so that your approval can be strong and you can have full confidence in your financing. I really look forward to working with you. Feel free to e-mail or call me anytime about any of this.

Testimonials

  • “Charles did the impossible for us!  We talked to so many people before we made the decision to do a short sale on our house.  He was the only one who told us it was possible to buy a house immediately after closing a short sale.  We now have a much more affordable home and can enjoy life again!  Highly highly recommend talking to Charles if you are upside down and struggling to pay your mortgage!”
  • “I just wanted to send a note thanking you for all of you time and attention on Saturday. You were extremely intelligent, thoughtful and kind. It was a pleasure getting to see and talk to you (on the video conference).”
  • “Mr. Dailey, what a nice voice mail.  I listened to it on my way back from closing…I truly appreciate all that you have done for this file and, of course, so very pleased it will close on Friday!  I actually won’t be at this closing as I am taking a few days of for a mental rest.  J  I look forward to having the opportunity to do business with you once again.”
  • “Thank you for your help through this process, it went very smoothly and you guys are great to work with.  Thanks again for all of your help!”
  • “Thank you ever so much for your assistance on this transaction…………….your professionalism, knowledge and know how really impressed both of us.  We were completely satisfied with Charles and thank you for the referral.  Everything really came together………..we were glad we took a week off…………..everything fell into place……………with a lot of hard work behind the scenes.  We are grateful for your assistance and look forward to having you over in the near future.”
  • “We’re so grateful for all of your work.  We can’t imagine how stressful it must have been to pull this off.  Looking forward to closing and putting this fun behind us!”
  • “I’ve been meaning to say that I appreciate all the work you’ve done on our loan. It looks like a pretty advantageous deal for us. I like the one-time insurance premium. It’s far preferable to PMI. And seeing how you could beat down the premium by increasing the down payment really made us strive to hit that 10% mark.  Again, thanks for your help in crafting this loan.”
  • “Nice and smooth! Thanks for making it so easy!!!!!”
  • “The closing was very smooth. The whole process went great! Thank you for your help.”
  • “Just wanted to wish you both a very Happy Thanksgiving and to thank you for all your hard work on the loan file.  Thank you for working with me to make it happen for them.”
  • “I left a message on your voice mail Friday night telling you how well it (the closing) went and how thankful I was (am) for your mortgage prowess.  I’m sure no other mortgage person could have gotten my deal done.  I will gladly refer you to anyone. By the way, if you had been at the closing, you would have received either a bottle of wine, or a 12-pack.  It’s the thought that counts, right?”
  • “Thanks for sending these (all closing documents)!  I’ve never seen them before closing – I’ve only seen a HUD, if I was lucky, before walking in the door to sign away.”
  • “Thanks for taking the time to explain txhe stuff about the lending disclosures.  Seems that my wife now sees why I came back to you for the second house loan.”
  • “Kudos Charles!  Thank you for all your sweat in getting us the best rate.  We’re very appreciative and will definitely send referrals your way.”
  • “Wow.  What incredible customer service.  What’s wrong with you?”
  • “I’ve been meaning to email you.  Thanks a lot for all of your help with the purchasing of our home. We’ve been moved in for a couple of weeks now, and we’re really digging the house.  We appreciate all of your insight and expertise during the negotiation and loan process – it was great having someone we trust (odd to say, since we’ve never actually met) guiding us through.  Oh – and we’re real happy with the rate, too”
  • “Thanks a lot Charles. That was painless.”
  • “I just wanted to say thank you to you and your team for working with me again to refinance my house.  It couldn’t have come at a better time!  I will definitely go with you guys again when I resell in about 2 years.”
  • “Thanks for being there for me, you do not even know how much you have helped me.”
  • “You do have a really awesome website! I am serious, when I compare what you have to what we have, you really have a lot of good information for the consumers.”
  • “Thanks Charles. You were a great help with everything and I would recommend you to anyone.”
  • “You’re a good Loan Officer mister!  You know what the hell you are doing and it shows”
  • “I just wanted to send a note thanking you for all of you time and attention on Saturday. You were extremely intelligent, thoughtful and kind. It was a pleasure getting to see and talk to you (on the video conference).”
  • “Mr. Dailey, what a nice voice mail.  I listened to it on my way back from closing…I truly appreciate all that you have done for this file and, of course, so very pleased it will close on Friday!  I actually won’t be at this closing as I am taking a few days of for a mental rest.  J  I look forward to having the opportunity to do business with you once again.”
  • “Thank you for your help through this process, it went very smoothly and you guys are great to work with.  Thanks again for all of your help!”
  • “Thank you ever so much for your assistance on this transaction…………….your professionalism, knowledge and know how really impressed both of us.  We were completely satisfied with Charles and thank you for the referral.  Everything really came together………..we were glad we took a week off…………..everything fell into place……………with a lot of hard work behind the scenes.  We are grateful for your assistance and look forward to having you over in the near future.”
  • “We’re so grateful for all of your work.  We can’t imagine how stressful it must have been to pull this off.  Looking forward to closing and putting this fun behind us!”
  • “I’ve been meaning to say that I appreciate all the work you’ve done on our loan. It looks like a pretty advantageous deal for us. I like the one-time insurance premium. It’s far preferable to PMI. And seeing how you could beat down the premium by increasing the down payment really made us strive to hit that 10% mark.  Again, thanks for your help in crafting this loan.”
  • “Nice and smooth! Thanks for making it so easy!!!!!”
  • “The closing was very smooth. The whole process went great! Thank you for your help.”
  • “Just wanted to wish you both a very Happy Thanksgiving and to thank you for all your hard work on the loan file.  Thank you for working with me to make it happen for them.”
  • “I left a message on your voice mail Friday night telling you how well it (the closing) went and how thankful I was (am) for your mortgage prowess.  I’m sure no other mortgage person could have gotten my deal done.  I will gladly refer you to anyone. By the way, if you had been at the closing, you would have received either a bottle of wine, or a 12-pack.  It’s the thought that counts, right?”
  • “Thanks for sending these (all closing documents)!  I’ve never seen them before closing – I’ve only seen a HUD, if I was lucky, before walking in the door to sign away.”
  • “Thanks for taking the time to explain the stuff about the lending disclosures.  Seems that my wife now sees why I came back to you for the second house loan.”
  • “Kudos Charles!  Thank you for all your sweat in getting us the best rate.  We’re very appreciative and will definitely send referrals your way.”
  • “Wow.  What incredible customer service.  What’s wrong with you?”
  • “I’ve been meaning to email you.  Thanks a lot for all of your help with the purchasing of our home. We’ve been moved in for a couple of weeks now, and we’re really digging the house.  We appreciate all of your insight and expertise during the negotiation and loan process – it was great having someone we trust (odd to say, since we’ve never actually met) guiding us through.  Oh – and we’re real happy with the rate, too”
  • “Thanks a lot Charles. That was painless.”
  • “I just wanted to say thank you to you and your team for working with me again to refinance my house.  It couldn’t have come at a better time!  I will definitely go with you guys again when I resell in about 2 years.”
  • “Thanks for being there for me, you do not even know how much you have helped me.”
  • “You do have a really awesome website! I am serious, when I compare what you have to what we have, you really have a lot of good information for the consumers.”
  • “Thanks Charles. You were a great help with everything and I would recommend you to anyone.”
  • “You’re a good Loan Officer mister!  You know what the hell you are doing and it shows”
  • “I wanted you to know how much I appreciate all of your help and knowledge.  You have been awesome.  I just wanted to let you know.”
These endorsements do not represent a statistical survey and therefore should not be assumed to be representative or otherwise typical.  None are paid endorsements nor were they solicited.  The opinions of these endorsers is not a professional one but rather a subjective perspective from their personal experience.

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Twin Cities Real Estate Show Tune in Sunday’s from noon to 1 pm to hear the Duckwall Team of Edina Realty update you on the current real estate market. Thinking of buying or selling a home? The Duckwall team will bring in experts to hear the real estate secrets you won’t hear anywhere else. Join the Duckwall team along with Charles Dailey from Iloan to answer your real estate and mortgage questions.

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Charles Dailey – Branch Manager, Loan Officer, Certified Military Housing Specialist – CA DOC, MN DOC & WI DFI

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The Home Buyers Scouting Report® is provided directly to the buyer by HBM II, a licensed national real estate brokerage service company, not to or through a lender. The FREE home finding service is provided directly to prospective homebuyers by HBM II and its real estate brokers, as part of their ordinary real estate brokerage services. HBM II, Inc. works cooperatively with other real estate agents across the United States in attempting to find ready, willing and able buyers for homes listed for sale. The role of the Preferred Loan Officer is to assist in determining a comfortable home price range for Home Buyers Marketing II, Inc. (HBM II) to use when it is searching for property listings within the buyer’s search criteria.

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