Charles Bacigalupi

Loan Officer
NMLS # 1909129
State Lic AZ #LO-1004141, CO #100516770

It’s all about service at Academy Mortgage, and our company has been meeting the needs of homebuyers across the United States since 1988. I joined Academy because of its strong reputation for integrity-based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools.

Since joining Academy, I have helped many individuals and families attain the dream of homeownership. Whether you want to buy a new home or refinance an existing mortgage, I will provide a customized solution for you at competitive rates. No brokering, no middleman, no hassle, no surprises.

Academy is a direct lender, which means that my Branch and Regional Offices are equipped to complete the entire loan process in-house—all loan processing, underwriting, closings, and funding are handled locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible

I will be in control of your loan file from start to finish, and I will be up-to-date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice.

I invite you to put us to the test. Let me show you how simple and easy securing a mortgage can be.

Your Home Value

Find out what your current home is worth.

Home Mortgage Tools


How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.


How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.


How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.


How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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This was a great experience! We are very happy with the Customer Service.

—Ruben Salse Jr

Charles was great. The process was straightforward and we were kept informed every step of the way!

—Jacqueline Jones

This was our first mortgage in a very long time. Everyone was very knowledgeable and helpful.

—Michael Maliske

It was good and easy.

—Gustavo Uriel Garcia Huizar

Charles was great, Sara was great, all I had to do was stay organized and they did the work for me. Thank you guys

—Jeremy Bishop

Great experience with Charles and Cody.

—Griffin Murray

Everyone there was extremely helpful at all times. Made every step of the process go smooth and easy.

—Amber Kniffin