Headshot of Joe Bacigalupo

Joe Bacigalupo

Loan Officer

Joe Baci Team

NMLS #1069492

Adress
7760 France Ave. S, Suite 1010
Bloomington, MN 55435
Contact Methods
Email
mobile Mobile
(612) 237-9868
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Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Joe

I’ve been in the mortgage business since 1997. Since day one, my passion for helping clients identify, organize, and implement their homeownership dreams has never waned. With a specialization in first-time homebuyers, I have the experience, enthusiasm, and ability to be an integral part of your homebuyer experience.

We’ll begin your home financing journey with a conversation about your goals and how to achieve them. I’ll discuss the steps between applying for financing and closing your loan, answer your questions along the way, and keep you in the know on your loan status. From our first conversation to moving day, you can count on me to be by your side.

Whether you want to buy a home, refinance, or renovate, I offer a variety of loan programs to fit your goals. From conventional and jumbo to FHA and VA, we’ll discuss specifics and personalize the mortgage experience to fit your needs. I look forward to being your home purchase partner.

Specialties

  • Purchase and Refinance
  • First Time Homebuyers
  • Purchase
  • Refinance Loans
  • VA Loans
The kitchen of a new homeowner

Buying now means saving later

 

Don't fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you'll save upfront and thousands down the line.

Contact Us
*For full terms and conditions, visit ccm.com/buynowrefilater.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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Recent Posts and Articles

Blog

  • Published on

    Am I Ready to Buy a House?

    Here are some factors to consider, as well as some resources that can help you make a decision regarding the right time to buy.

  • A family laughing
    Published on

    How to Buy a House With Bad Credit

    Everybody makes mistakes, but a low credit score shouldn’t cost you your dreams of homeownership. Here’s how to buy a house with bad credit, along with some tips to improve your credit score for the future.

  • Published on

    When is the Best Time to Buy a House?

    The housing market is affected by many factors, but did you know that the time of year can influence the final sale price of a home? Here’s how the housing market changes during the course of the year.

  • Published on

    How Long Does it Take to Get a Mortgage Pre-Approval?

    How long does it take to get a mortgage pre-approval? To answer that, you’ll need to learn a bit more about the pre-approval process and what to expect when buying a home.