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Welcome to The Bacigalupi Team, your premier partner in achieving the American Dream of homeownership and building lasting wealth.

Trusted partner for complex financing🤝
Problem-solvers for agents & homebuyers🏡
Check with Chuck🔍
Get pre-approved & explore programs👇🏼
NMLS 1909129
charlesbacigalupi.com With over 30 years of expertise, we simplify complex mortgage financing. Charles Bacigalupi, Branch Manager | Loan Officer NMLS #1909129

17/06/2026

Shoutout to my client for trusting the process — and to the agents out there who want to know what a smooth transaction looks like behind the scenes:

3 days from submission to Clear to Close. 🏁

When a file is structured right from day one, underwriting doesn't have questions — they have answers. That's the difference between a deal that closes on time and one that doesn't.

If you have buyers who deserve that kind of experience, I'd love to be your go-to lender. Drop a comment or send me a message.

Charles Bacigalupi III | NMLS #1909129 | Barrett Financial Group NMLS #181106

29/10/2025

5.0 star review received on Experience.com for Charles Bacigalupi III by Julie M - Charles was very attentive to my needs during this entire process. Always having the time to answer my questions anytime of the day or night. Closing went smoothly and he even helped to find me a lower homeowners insurance plan ! Megan was also great working as a team ! Very satisfied customer !

Click to see all 164 reviews of Charles Bacigalupi III, Guiding Clients With Clarity, Integrity & Proven Mortgage Expertise

29/08/2025

5.0 star review received on Experience.com for Charles Bacigalupi by Jacob W - Great service, very informative.

Click to see all 151 reviews of Charles Bacigalupi, Branch Manager

11/06/2025

The Mortgage Bankers Association’s (MBA) latest survey showed a pullback in mortgage applications, with rates dipping slightly after a three-week climb. Th,...

06/03/2025

I’m excited to share that I’ve taken on a new role as Branch Manager with Bay Equity Home Loans! This opportunity allows me to expand my ability to serve clients, grow a top-performing team, and provide even more personalized mortgage solutions.

I’m incredibly grateful for my time as a Senior Loan Officer at Guild Mortgage—the support, growth, and relationships I built there have been invaluable. Thank you to my colleagues and clients who have been part of that journey.

In this next chapter, I’m looking forward to leading a dynamic team, strengthening partnerships, and helping more families achieve homeownership with Bay Equity’s incredible resources and customer-first approach. Excited for what’s ahead!

Send a message to learn more

10/02/2025

5.0 star review received on Experience.com for Charles Bacigalupi by Launi B - Experience
communication
efficiency
professionalism

Click to see all 146 reviews of Charles Bacigalupi, Loan Officer | NMLS # 1909129

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