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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Joe Bacigalupo
- Loan Originator
- Bloomington, MN Mortgage Loan Officer
- NMLS #1069492
I’ll be with you every step of the way
Hi, my name is Joe. I’ve been in the mortgage business since 1997, and my passion for helping clients realize their homeownership dreams has never waned. Specializing in first-time homebuyers, I have the experience, enthusiasm, and ability to be an integral part of your homebuying journey. Based in Bloomington, MN, I’m proud to be part of America’s #1 Retail Mortgage Lender.
We’ll start with a conversation about your goals and how to achieve them. I’ll guide you through the steps from applying for financing to closing your loan, keeping you informed and answering your questions along the way. You can count on me to be by your side from our first discussion to moving day.
Whether you want to buy a home, refinance, or renovate, I offer a variety of loan programs to fit your needs. From conventional and jumbo to FHA and VA, we’ll personalize the mortgage experience to match your goals. I look forward to being your home purchase partner.
Joe’s testimonials
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How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.