Shachi Bhardwaj
Senior Loan Officer
Q&A with Shachi Bhardwaj
What made you decide to be a BankSouth Loan Officer?
I really enjoy helping people and find it extremely fulfilling to help my clients with one of the biggest decisions they will make in their lives. No two loan scenarios are alike, and I take the time to understand my client's short term and long-term goals, and to guide them accordingly.
What would you say is your biggest professional success?
No matter how difficult a loan situation is, I tend to remain calm and collected in these situations. This not only helps me solve the situation effectively but also helps reassure my anxious clients.
I am a natural problem solver, with an in-depth understanding of the unique challenges faced by non-resident borrowers who are migrating to the USA on a work visa, as well as Expats returning to the USA after an extended stay overseas.
List 1-3 reasons you are different than others in your profession.
- I pride myself on the accuracy of my quoted fees. With me there are never any last-minute surprises.
- I am the ultimate team player. I help my loan team in all parts of the process. I always do my own in-depth research in response to underwriter questions. When one team member is down due to being sick or overwhelmed, I jump in immediately. I also look out for my clients' interests that extend beyond the loan. It could be a title issue, a credit issue, or a visa issue - I am always looking for ways to solve my clients' problems.
- I keep my customers informed on the latest status of their home loan without being asked. If I have to leave town, I email each agent, builder and customer individually to let them know of my plans, who they can contact in my absence, and if anything is expected of them while I am away.
List up to 3 things you enjoy doing on weekends.
I love to cook – the weekends are spent cooking for family and spoiling my Grandkids!
List no more than 5 significant awards you’ve received in your field?
I have been receiving every year since 2009, the Mortgage Bankers’ Association’s Gold Award. I am also deeply grateful to all my clients for their 5-Star post-loan reviews that consistently cite my patience, accuracy, availability, guidance, and support to them, during the mortgage process.
Bio of Shachi Bhardwaj
Shachi Bhardwaj has been in the mortgage industry since 2005 following a successful stint as an entrepreneur. During this period, Shachi has built a vast network of delighted homebuyers, realtors, and builders. She has consistently received the Mortgage Bankers Association of Georgia’s (MBAG’s) Gold Award since 2009 – an honor that is awarded to the top 1 percentile of loan officers.
Awards
Mortgage Market Interest Rates
Interest rates for mortgages can vary significantly from one borrower to the next based on the specific details of the transaction. Some of the main factors that affect the interest rate are credit score, down payment or loan-to-value, the type of mortgage, and how long the interest rate is locked.
The information below depicts average rates on a national level. These rates are not specific to BankSouth Mortgage but are provided to give a general idea of where rates are nationally for different loan types. This information is calculated from actual locked rates with customers across 35% of all mortgage transactions nationwide.
Information in this chart is for illustrative purposes only and is not intended as an advertisement. This is not a commitment to lend and does not guarantee the availability of any particular product or interest rate. Rates/terms illustrated in the chart may not be available through BankSouth Mortgage. Rates and information in this chart are powered by OBMMI™ (“Optimal Blue Mortgage Market Indices”). The OBMMI™ methodology takes the average rate of all appropriate interest rates locked through the Optimal Blue, LLC (“Optimal Blue”) product and pricing engine (“PPE”) on a given day. No adjustments to the rates that account for buy-up or buy-down decisions made by individuals are performed. These indices leverage data from Optimal Blue PPE lock requests (approximately 35% of all locks nationwide) aggregated daily and updated nightly with the previous day’s locks. Weekends and holidays are excluded. All applicable product types are included unless otherwise specified. The content contained on this chart is that of Optimal Blue and may change at any time without notice. Optimal Blue makes commercially reasonable efforts to provide reliable information, however it does not guarantee that the information is accurate, current, or suitable for any particular purpose. In addition, this content is, therefore, provided on an “as is” basis and Optimal Blue makes no warranty, guarantee, or promise, concerning the accuracy or timeliness of indices listed and maintained by Optimal Blue nor is Optimal Blue responsible in any manner for any damages whether direct, indirect, special, or consequential, howsoever caused, arising out of use of this web site, or reliance on the information it contains.
What Customers Say About Shachi Bhardwaj
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Total Reviews
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Hithesh
Posted on June 24, 2023
I had recently closed a mortgage loan with Shachi Bhardwaj. I thoroughly enjoyed working with a truly outstanding mortgage banker like her. Shachi has an impressive level of knowledge and expertise in the mortgage industry. She patiently listened to me and my complex income structure and multiple investment properties. She guided me through the entire loan process, explained all the mortgage complex terms to me with clarity and confidence.
Within first meeting, I felt like she had a solid grasp of the intricacies of mortgage lending, which immediately put my mind at ease, as I was closing in on quick move in home, and I had lesser time to close. Her professionalism and attention to details were truly remarkable. She is very meticulate and I had felt like she has strong team behind her as well. Although She was working in the background, I felt like she took time to explore various loan options and guide me through out the process.
Shachi Bhardwaj was incredibly responsive and proactive in their communication. She promptly returned my calls and emails, ensuring that I was always kept up-to-date on the progress of my loan application. Thanks to her exceptional service, I was able to secure a mortgage loan that perfectly suited my needs and in timely manner.
I already started recommending her to anyone seeking a mortgage. Finally, I am grateful for her assistance and would not hesitate to work with her again in the future.
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Luiz Lima
Posted on October 4, 2021
Shachi was effective and efficient in servicing our requests for refinancing our home, providing a few options and advising promptly throughout the entire process.
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LaDonna Suggs
Posted on August 23, 2021
Shachi is phenomenal and I routinely refer her to my real estate clients! An absolute profession...extremely professional, knowledgeable and very solutions oriented. She keeps me and my clients informed every step of the way and ensure that each transaction is as smooth as possible! This is why I'm a repeat client of hers both personally and for my real estate clients! She's the best!
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Jonathan
Posted on July 30, 2019
Shachi and her team were AMAZING to work with!! From their knowledge, experience, and communication, they were so important to have my mortgage and closing process go so smoothly as a first-time home buyer!
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Abdul
Posted on March 19, 2019
"Shachi is exactly the mortgage banker you want to work with, she & her team are friendly, smart and good-natured, they are keenly aware of the complicated situation, personalities / other factors concerning a first time home buyer. You want Shachi on your side if you are hunting for the best deal in town for mortgages.
She knows very well (my confusion, anxiety ) what we as a borrower goes thru, She is very professional, honest, prompt, quick at the response and very soft spoken at the same time. She had very well explained to me the types of loans I qualify for and helped me understand the merits of each one of them. Thanks shachi for offering me 4.25% over 30 Year fixed loan term. Working for my mortgage with Shachi was a true pleasure and out of that, I’m glad to say she’s become a great friend of mine.
I highly recommend working with Shachi@BankSouth to anyone for mortgages and hope to be able to buy a bigger home in the near future."
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Anonymous
Posted on November 7, 2018
Shachi's team was requested by us to close a house in Glen Abbey withtin about 2 weeks, and they delivered.....without a hitch. No followup required. They were also very patient with my queries. HIghly recommended.
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user23294462
Posted on October 16, 2018
Shachi was fantastic to work with! Very "hands-on" and provided super helpful information when needed. She provided options and details about each option. Thank you, Shachi!
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Jared Owens
Posted on July 14, 2018
She did an amazing job taking over our as our lender. She was able to close our loan in less than 30 days and flawlessly overcame obstacles that came up along the way. I highly recommend her!
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alessowens
Posted on July 14, 2018
Shachi and her team have been amazing to work with. We were previously working with another lender, and Shachi was able to get us a much better rate. She was very responsive throughout the whole process and answered any questions we had. Thanks to Shachi, we now have our dream home, which we never thought would be possible. I would highly recommend to anyone looking for mortgage services.
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Andrew P
Posted on April 13, 2018
We were in a tough situation, needing to switch lenders two weeks before close to do an appraisal issue and one of the "Big Bank's" unresponsiveness. After switching to Shachi and her team with Bank South the communication was fantastic. Shachi kept us in the loop on everything going on with our appraisal, pushed where she could to expedite everything, and ultimatey facilitated everything start to finish in under two weeks to get us an on time close. She even showed up at the closing office after 5:00PM to help us close on the day we were scheduled. Shachi and her team saved the day and we most definitely give them a strong recommendation!
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drivers05
Posted on March 12, 2018
Shachi took over my loan after the first company was unable to close the loan. Shachi's team was professional and attentive to our needs and concerns. I would recommend Sachi and her staff to anyone looking for a loan.
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shakurwalker1
Posted on September 17, 2017
We've been looking for a home for about 2 years. We were close before and tried to other lenders prior to Shachi. Both were major banks and both failed miserably in completing our loan. Shachi was very knowledgeable, timely, and kept our entire process on track. She made us felt comfortable the entire time and it was a very pleasant experience.
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nicoledihanne
Posted on May 24, 2017
We had a wonderful experience working with Shachi and her team! They were all very professional and friendly, promptly answering all emails and calls. They made our home buying experience very easy and smooth - we would not hesitate to recommend Shachi and her team!
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Jessicaself32
Posted on May 4, 2017
Shachi was such a pleasure to work with, and we cannot recommend her enough to anyone looking to purchase a home. She is extremely knowledgeable, and we felt like we could ask her anything. Since this was our first time buying a home, you could say we were beyond nervous. Shachi put all those feelings to ease. She was there every step of the way to guide us, give us advice, and let us know what to expect. This was a huge commitment that we were taking on for the first time in our lives, but having Shachi by our side made the stress go away. She was always responsive and always made us feel comfortable, and we were so grateful to get the chance to work with her and learn from her. We can promise you – if you work with Shachi you will not be disappointed!
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ternikar
Posted on January 9, 2017
Shachi was extremely helpful in my entire process of home buying. It was my first experience of home buying and I was facing lot of unknowns. Shachi was very patient in answering all my questions and explaining everything in detail. I had compared various mortgage companies and Shachi's BankSouth was most competitive. I will highly recommend her.
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markulike
Posted on January 8, 2017
Shachi provided flexible meeting times, individual attention and was able to help meet our financial needs. Shachi was also very responsive throughout the process.
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PSL Owner
Posted on January 7, 2017
Shachi is an awesome adviser. She has a great team of people behind her and their communication is exceptional. She kept us in-the-know during the entire process and we had a very smooth closing. We highly recommend and refer Shachi to our friends and family and would happily work with her again on our next purchase.
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user08789519
Posted on April 29, 2016
Shachi and team were consummate professionals during the entire process. Considering we took quite some time to find the right house for us, she was always patient and never pressured us into making any decisions until we were ready. She even provided detailed explanation whenever we needed and would always be responsive if we needed a phone call to work over any of the specifics.Additionally, she worked with us to find just the right financing package and the best rates available for us. Just totally happy all around.
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aabuniaj
Posted on December 24, 2015
Had the pleasure to work with Shachi. She is great and very professional! Always immediate in her responses even after hours. Would recommend to anyone to contact her for an loan related topics
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segicool
Posted on May 8, 2015
Highly professional. Excellent service. Shachi Bhardwaj made the entire process very easy and informative. Her dedication towards customer satisfaction is remarkable.
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