Headshot of Joe Bacigalupo

Joe Bacigalupo

Loan Officer

Joe Baci Team

NMLS #1069492

7760 France Ave. S, Suite 1010
Bloomington, MN 55435
Contact Methods
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(612) 237-9868


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.


  • 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.

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

Helping your home financing process go smoothly.


  • 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

    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

    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

    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.

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