Empire Team

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Empire Team Lenders

Shachi Bhardwaj

Stuart Saunders

Brian A. Williams

VP, Producing Production Manager

NMLS ID#: 545226

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About Empire Team

We're unique because of our longevity! We’ve been in the mortgage industry for quite a while and have served as The Empire Team for the last eight years. We complement each other’s strengths and work together to serve our clients. Most of our clients are first-time home buyers. It gives us such a feeling of fulfillment to help and guide them during the entire process so that they feel confident and comfortable in making a decision that fits their unique needs the best. Words that are used most often to describe our team and the level of service we provide are experts, patient, and accurate. This is not a reputation you come by overnight. It’s a proven means of doing consistent business time and again for each and every client. We are experts in our market because we are local; we know the neighborhoods; we understand the ebb and flow of the market and have a deep understanding of the products we offer. Since most of our clients are first-time home buyers, we feel that education is the key element in their home-buying journey. We are in the process with each applicant from the beginning to the end, making sure they understand what is going on and why. When serving all parties in the loan process, the client and agents alike, we make it a priority to be available to answer questions in a timely manner and speak to the questions being asked, expertly!

Reviews

4.97

Ratings

747

Total Reviews

Amit H P

KENNESAW - GA

Posted on August 31, 2023

5.0

for Shachi Bhardwaj

Great bank to work with for mortgage needs.

Reply from Shachi Bhardwaj

I'm thrilled to hear that you had a positive experience with your mortgage financing at BankSouth Mortgage. Your satisfaction is our top priority and I'm delighted to know that we hit the mark for you. I'm sincerely grateful for your 5-star review and looking forward to serving any future needs you may have. Thanks, Amit! Best, Shachi Bhardwaj

Alana W

ATLANTA - GA

Posted on July 13, 2023

5.0

for Shachi Bhardwaj

As a first time homebuyer, I really appreciated the support Shachi provided throughout the process. She was very responsive to my questions and concerns, and helped to shed light on things I was unclear on. I’m glad to be doing business with her as I continue this journey.

Reply from Shachi Bhardwaj

Thank you so much, Alana! I am very happy to hear that I was able to provide the support you needed during the home buying process. It was a pleasure to have you as a customer and I'm glad to hear that you are continuing your journey with BankSouth Mortgage.

Alka K

SANDY SPRINGS - GA

Posted on July 3, 2023

5.0

for Shachi Bhardwaj

5/5 I had a great experience with Shachi. She was very professional and thorough, but I also felt very comfortable working with her as a first time home buyer. I would absolutely recommend her to others on their journey to purchase a home.

Reply from Shachi Bhardwaj

Thank you so much, Alka, for your kind words and 5-star rating. It was my pleasure to work with you and I'm so glad you felt comfortable. I appreciate you recommending me to other home buyers, and I look forward to helping more people make their dream of homeownership a reality. Thank you so much trusting BankSouth Mortgage for your financing!

Brian I

MURPHY - NC

Posted on August 18, 2023

5.0

for Stuart Saunders

Stuart has worked with us on multiple real estate purchases. We have had unusual situations to address and he is resourceful and helpful. He is also just a great person and enjoyable to work with. I plan to keep calling him for future purchases!

Michelle A

HOUSTON - TX

Posted on August 10, 2023

5.0

for Stuart Saunders

This is the second mortgage loan Stuart has helped me with, and both times he was great! He is informative of the process, provides insights when needed and is patient, and understanding of everyone's unique timeframe and situation. His team is just as friendly and timely. He and his team want you to have the best experience possible with one of the most important decisions and purchases you will make. Stuart really became a fast friend throughout the process. I hope to work with him again in the future!

Dirk J L

CUMMING - GA

Posted on July 20, 2023

5.0

for Stuart Saunders

Stuart and his team were awesome and I would recommend them to anybody who needs a home loan. They were professional, have great communication and will be able to assist with all your loan questions. I will definitely use them again.

Michael K

Acworth - GA

Posted on September 19, 2023

5.0

for Brian Williams

Brian, was responsive and answered any question I had. Great to work with and a very nice guy. I will work with him again.

Reply from Brian Williams

Thank you very much for your feedback, Michael. It was an absolute pleasure working with you, and I'm glad I could assist you in your home buying journey. I'm delighted to know you found my services helpful. I appreciate your willingness to consider working with me again in the future. Thanks again for the perfect rating!

Eric R

JEFFERSON - GA

Posted on August 26, 2023

5.0

for Brian Williams

Brian always goes above and beyond.

Sara V R

JEFFERSON - GA

Posted on August 22, 2023

5.0

for Brian Williams

Brian has worked multiple deals for us. And this most recent closing showed exactly why we choose him every single time! Brian went out his way to help advise and coach us through the process of selling our other home when it became a problem. He made the entire process of buying our new home a breeze and simple that we forgot there were things happening in the background. Brian handled everything! He is one of the few good ones! Angie was also on point with everything she needed making it as easy for us also.

Reply from Brian Williams

Thank you so much, Sara! I'm glad I was able to help make the process of buying your new home a breeze. I appreciate your kind words and am proud that BankSouth Mortgage was able to provide you with the service you deserve. It was a pleasure working with you and I'm glad that Angie was able to provide the same high level of service. Thank you for your trust and loyalty.

The Mortgage and Lending Services You Need

There are a lot of different types of mortgages out there. Our job is to find you the right one. We’ll help you understand how your home financing works for you when you close and for decades to come.

Your mortgage isn’t far away. A customized mortgage plan puts you in control with down payments and mortgage payments that make sense for your lending needs. You can take the steps to this investment in your future.

It’s your life. It’s your future. We’re here to make it happen for you.

Conventional

Multiple, standard mortgage options for qualifying homebuyers and homeowners.

Construction

Create your dream home with a loan that provides funds to cover the cost of building or rehabilitating a home.

FHA

Mortgages insured by the Federal Housing Administration requiring lower minimum credit scores and down payments - especially popular with first-time homebuyers.

USDA Rural Housing

A USDA home loan helps low to moderate income families buy affordable homes in rural areas.

Refinancing

Replace your old mortgage with a new one to lower your rate, reduce your loan term, or cash out home equity.

Special financing for military veterans, service members, and surviving spouses offering favorable terms with options to buy, build, renovate, or refinance a primary residence.

Low to No Down Payment

VA loans, USDA loans, FHA loans and other options that help buyers finance their new home while putting less money down.

Jumbo Loans

For buyers considering higher-end properties – Jumbo loans can help provide the financing you need.

Renovation Loans

Want to fix up your existing home? A renovation loan gives you the funds to make those renovations updates to your home.

Mortgage Ready When You Are with ReadyLoan®

What can ReadyLoan® do for you?

Estimate what you can afford

Explore your mortgage options with calculators that help you understand how much you may qualify to borrow and what future payments might be look like.

Get preapproved for a loan

Ready to look for a home? A preapproval gives you – and sellers – confidence that you’re ready for the next step.

Easily Apply for Your Mortgage

Apply anytime and anywhere - from your phone or tablet. No waiting, No paper. No need to visit a loan office.

Securely submit, review and sign

Submit required documents and forms through our state-of-the-art app with our encrypted and secure portal.

Track your loan progress

Check the status of your mortgage and see what steps are ahead in the process.

Stay in touch

Securely communicate with your loan officer and agent if you have questions or need to provide other information.

Close quickly, enjoy your home sooner

Review your closing package and sign most documents prior to closing.

Apply Online

Download the App

Mortgages Don’t Have To Be Scary

Buying a home is a big deal. You deserve clear language, clear timelines, and clear expectations. At BankSouth Mortgage, we believe that your lender should be on your side.

We’ll make sure you feel comfortable with your choices, confident in your decisions, and informed every step of the way.

Learn how the process will work, meet the people you’ll be working with, and get the information you need to move forward.

What Happens After I Prequalify?

1 2 3 4 5 6 7 8

Step 1

Initial Mortgage Consultation

When you begin thinking about buying a home, contact BankSouth Mortgage to get prequalified. A prequalification gives you an estimate of the size of mortgage loan you qualify for based on your credit history, income, and assets. At this time, your mortgage banker will discuss loan options, down payment requirements, and current interest rates. Simply follow this link to securely apply online. This will give your loan officer the preliminary information they need to determine your prequalification. This is also the perfect time to get set up with our electronic portal to make it easier to securely exchange documents and information throughout the mortgage process.

Step 2

Initiate Loan Application

Once you go under contract, we will provide you with an initial list of documentation needed to begin processing your loan. Quickly providing all requested documentation is essential to moving through the loan process without delays. Also, your BankSouth Mortgage expert will discuss locking in your interest rate and encourage you to get a hazard insurance quote from an insurance agent.

Step 3

Disclosures

Once we have a complete application, we will prepare a packet of disclosures for you to sign. Included in these disclosures is the Loan Estimate, which contains information on the cost of your loan. It is very important to review this closely and talk to your loan officer about any questions you may have. Revisions to your loan later on in the process may push your closing date back. It is extremely important for you to sign and return all disclosures within 24 hours from receipt. Any delay with returning your disclosures may delay your closing. Fees for your appraisal will be collected once we have received your disclosures and payment information.

Step 4

Estimated Market Value

Once you have received your Loan Estimate and disclosed your intent to proceed, BankSouth Mortgage will order your title work and appraisal. The appraisal process identifies the market value for the property. These generally take at least 10 days from the date requested to delivery. As soon as we receive the appraisal, we will provide you and your realtor* with a copy.

*We commit to providing timely and accurate information to your realtor when prior authorization is received from you.

Step 5

Loan Processing

Next, the loan moves to a loan processor, who reviews the file to ensure all the proper documentation is included. You may be contacted to provide any outstanding or additional items, and verifications of employment, etc. may be obtained. Once all the requested information is gathered, the loan will be passed on to underwriting so that a final determination can be made. By this point in the process, please try to limit changes to your contract to ensure a smooth closing.

Step 6

Underwriting

An underwriter will investigate the information in the file and make the final decision on the loan approval. Underwriting can take as little as one day and up to two weeks, depending on the type of transaction and market conditions. Because each loan is unique, it is common practice for the underwriter to request additional documentation to support what was submitted in the original file. We will notify you if additional items are needed, as well as when a final decision has been made.

Step 7

Review Your Closing Disclosure

A critical component of the loan process is YOUR confirming receipt by signing the Closing Disclosure (CD) a minimum of 3 business days before closing. This document further reviews the cost of your loan. BankSouth Mortgage makes every effort to send you this document with ample time to review. However, due to the often expedited nature of the mortgage process, you may receive this document close to the third day prior to closing deadline. As soon as you are able to review this document, it is imperative you sign and return it as quickly as possible. Signing only confirms your receipt of the CD. This integral step requires close communication with your lender to ensure an on-time closing.

Step 8

Closing!

Three days after you return your signed Closing Disclosure, you are able to close on your loan! Depending on the amount due at closing, you may need to send a wire to the closing attorney. At the closing, you and the seller will be required to sign the final loan closing documents. After the closing documents are signed, BankSouth Mortgage will wire funds for the amount of the loan to the closing agent. The closing agent will disperse the funds. The deed that transfers the title from the seller to you will be sent to the county in which the home is located to be recorded. You will receive the original deed once it has been recorded along with your owner’s title insurance policy if you purchased insurance at closing.

BankSouth Mortgage Company, LLC, NMLS #690971 is not a bank or other depository institution and is not FDIC-insured. BankSouth Mortgage Company, LLC is a wholly owned subsidiary of BankSouth, NMLS #688851, a federal savings bank and Member FDIC. Alabama Consumer Credit License #MC 21415 DBA LoanSouth Mortgage.

Empire Team

Empire Team Lenders

About Empire Team

Reviews

The Mortgage and Lending Services You Need