iLoan Home Mortgage in Saint Paul, MN

We are so satisfied with the quality of service provided by Charles and the depth of his knowledge in the mortgage industry. We thought we could only qualify for a FHA loan, and he showed us not only a variety of ways in which we could pursue a conventional mortgage, but also how to keep PMI costs low and still obtain the house of our dreams. I especially appreciate the time he took when meeting us to fully explain our different loan options, and what different loan packages meant for both our monthly payment and our long-term financial forecast. He did not hesitate to contact us multiple times to follow up with additional information- even after business hours- to let us know if interest rates dropped and the market conditions were most favorable to us. It is easy to see that Charles immensely enjoys his job, both in his passion for the industry and the genuine care he took in guiding us through the entire process. Charles came highly recommended from a trusted friend; he easily surpassed even our highest expectations. For our first-time home buying experience, I could not have asked for anyone better than Charles.

I can't say enough good things about Charles. When we first walked in to his office, we did not really know very much about the mortgage process. Charles met with us for over three hours. We left in such a better place. Charles not only helped us with our loan, but his insights in to the MN marketplace and neighborhood details really supplemented our realtor's approach. Charles and his team were accessible at all times. Late night questions were answered almost immediately. With his help, we locked ourselves in to a great interest rate and an amazing home. On top of all that, he is a great guy who is genuinely excited about getting your in a home that you will love. Thanks Charles.

Charles is simply amazing. First and foremost, he is a mortgage geek at heart and that's exactly what you want when making such a major life purchase. Secondly, he provides terrific customer service during your transaction and will take care of practically everything so you don't have to fret. He is incredibly passionate about what he does and really helps make you feel energized and engaged through the process. I thought I'd share a little bit about my transaction to give you an idea combined financial wizardry and general awesomeness. After we had an offer accepted on the house we were going for (very much thanks to Adam D) we were in a holding period before close, but hadn't locked in our interest rates just yet. Charles advised us that it wasn't necessary at the moment, but if the signs kept trending in the direction he was seeing, he'd call us to lock-in. About another week had passed and one day,while I was at work Charles left me a quick voicemail and then sent a follow-up email to give him a call. I called him back around my lunch hour and got him almost instantly. He said "dude, I normally don't do this during your work hours, but with all the trends I'm seeing, I think we should lock your rate today. There's a chance I could be wrong, but from everything I'm seeing tells me that rates are going to go up from here on out." Well, we it in that day and sure enough Charles was absolutely right. We managed to get the lowest rate we possibly could have gotten with his help. You will have a lot of decisions to make when you look to buy a house, but going with Charles will be one of the best choices you can make.

I can't say enough great things about Charles Dailey and his team. Charles knows his industry inside and out and WILL get you the best deal and make it happen. The whole process was wonderfully facilitated and easy to maneuver from start to finish. Charles and his team are incredibly responsive and will get back to you with the information and answers you need immediately. Bring your unique history, credit issues, or non-traditional mortgage and ask for Charles. He loves a challenge and will be able to work it out for you. No mortgage is too small or to big and you will be given the attention you deserve. Wonderful experience.

Simply put: Charles is brilliant. I think he crunches numbers and financing scenarios in his brain for fun. Everyone in Charles' team at iLoan was helpful, knowledgeable, and efficient. Charles was able to get us a 20-year mortgage with a lower interest rate matching the monthly payment we were quoted from our bank for a 30-year mortgage. He walked us through the details of the financing for our house, answered our numerous questions, and explained the details behind how aspects of the financing work. In addition to all of this, he has a good sense of humor and is pleasant to work with -- which is important when dealing with money. (And especially important when dealing with mortgages and interest rates.) I highly recommend him to anyone who is mortgage shopping!