Headshot of Joe Bacigalupo

Joe Bacigalupo

Loan Officer

Joe Baci Team

NMLS #1069492

7760 France Ave. S, Suite 1010
Bloomington, MN 55435
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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

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Reach your homeownership goals

Choose from the tools below to help you achieve your homeownership goals or view all purchase and refinance tools.

  • 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.

  • 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.

  • 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.

  • 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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