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Shachi Bhardwaj

Shachi Bhardwaj

VP, Sr. Loan Officer

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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.

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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

5
Ratings
284
Total Reviews

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J
Josh Singh
Posted on June 22, 2024
5.0
Our experience with this Sachi was outstanding. She demonstrated exceptional dedication, working tirelessly to secure the best loan options for our client. Her expertise and commitment ensured a smooth and successful loan process. We highly recommend her for her professionalism and excellent service.
Reply from Shachi Bhardwaj
Thank you so much for your kind words and positive feedback! It was truly a pleasure working with you and your client. Ensuring a smooth and successful loan process is always my top priority, and I am grateful for the opportunity to collaborate with you. Your recommendation means a lot to me. I look forward to working together again in the future to help more clients achieve their homeownership dreams. If there’s ever anything more, I can do to assist you or your clients, please don’t hesitate to reach out.
G
Gregg Ardizone
Posted on April 4, 2024
5.0
Shashi and team were incredibly strong partners during the entire process from start to finish. They served as a valuable resource for questions and advice and were always very quick to respond day or night. Their customer service was exemplary and I would recommend Shashi and team to anyone with confidence.
Reply from Shachi Bhardwaj
Thanks Gregg! I'm extremely grateful for your kind words. My team and I at BankSouth Mortgage strive to deliver the best service possible, and your feedback serves as a wonderful affirmation of our efforts. We're always here to provide guidance and answer any questions you may have, at any time. It was a pleasure to assist you once again with your purchase. Thanks for recommending us, and don't hesitate to reach out if you need anything else in the future. Best wishes, Shachi Bhardwaj.
A
Alpesh J Patel
Posted on April 4, 2024
5.0
Thank you very much
Reply from Shachi Bhardwaj
I'm very glad to hear that you had a positive experience, Alpesh! It's always rewarding to know that my effort is appreciated. Let me know if there's anything else I can assist you with in the future!
S
Shalvi R Shah
Posted on February 1, 2024
5.0
Shachi was great to work with and I was able to close in my house!
Reply from Shachi Bhardwaj
Thank you so much for your kind words, Shalvi. I'm really pleased to hear that your home closing went smoothly (except for some last minute excitement). It's wonderful to know that our efforts here at BankSouth Mortgage are being recognized and appreciated. Looking forward to assisting you in the future! Best, Shachi Bhardwaj.
Y
Yash Sanjay Mehta
Posted on January 25, 2024
5.0
She did very well keeping things organized and smooth. Very nice to work with and answered all questions we had. Thank you!
Reply from Shachi Bhardwaj
I deeply appreciate your kind words and the five-star rating, Yash. It's always my aim to keep the process as smooth and organized as possible. I'm glad to hear that I was able to help answer all of your questions. Thank you for choosing to work with us at BankSouth Mortgage. Looking forward to assisting you again in the future!
J
Jennifer Susanne Goyette
Posted on January 3, 2024
5.0
Shachi and her team were great to work with! Highly recommended.
Reply from Shachi Bhardwaj
I am delighted to hear that you had a positive experience, Jennifer! It was a pleasure assisting you and your kind words sincerely mean a lot. Your recommendation is greatly appreciated. Thank you for choosing BankSouth Mortgage and do not hesitate to reach out if you ever need any further assistance. Best wishes!
S
Sharla Engle
Posted on December 21, 2023
5.0
Excellent service.
Reply from Shachi Bhardwaj
I truly appreciate your kind words, Sharla. It was my absolute pleasure to assist you. Your feedback means a lot to us here at BankSouth Mortgage. We strive to provide excellent service to all of our customers. Thank you for your 5-star rating! Looking forward to serving you again in the future. Best Regards, Shachi Bhardwaj
J
Jacob Wiemer
Posted on December 15, 2023
5.0
She was very responsive and attentive throughout the home buying process.
Reply from Shachi Bhardwaj
Thank you, Jacob, for your kind words and the perfect rating. I'm thrilled to hear that you were satisfied with the service provided during your home buying process. Your feedback is highly appreciated and will assist in striving to maintain the level of responsiveness and attentiveness you've experienced. It was a pleasure working with you and BankSouth Mortgage always looks forward to serving you in the future.
H
Hemanth Devabhakthuni
Posted on December 7, 2023
5.0
I recently had the pleasure of working with Shachi, and our experience was exceptionally positive. Shachi consistently provided prompt responses, demonstrating excellent customer service. She was always available to address my inquiries and concerns, fostering a sense of reliability and support throughout the process. The entire process was streamlined, and the team worked diligently to ensure a fast and hassle-free experience. This quick turnaround not only saved time but also showcased dedication to meeting our needs promptly. The efficiency was evident in the speedy closing of the transaction. Overall, our interaction with Shachi was marked by professionalism, efficiency, and a genuine commitment to serving the best interests of the client. I would highly recommend to anyone seeking a positive and stress-free experience.
Reply from Shachi Bhardwaj
Thank you so much, Hemanth, for the superb rating and the detailed review. I am thrilled to hear that your experience was positive and that you found the process to be streamlined and efficient. It was an absolute pleasure working with you as well, and I am glad I could address all your inquiries and concerns promptly, making the process hassle-free for you. At BankSouth Mortgage, we strive to provide excellent customer service, and your feedback affirms the hard work we put in every day. I look forward to the opportunity of serving you in the future. Again, thank you for the recommendation!
R
Ravi Ramamoorthy
Posted on December 1, 2023
5.0
Thanks for all your help
P
Purushottam Sridhar Deshpande
Posted on November 30, 2023
5.0
Shachi is a great human being and knows her stuff pretty well. Thank you for all the support in our home loan process Thanks - Porus
Reply from Shachi Bhardwaj
It brings me immense joy to know that you are satisfied with the home loan process. At BankSouth Mortgage, we aim to provide the best service and support to our valued customers like you. It was truly a pleasure to assist you. Thank you for taking the time to provide a review and for awarding us a perfect rating. We look forward to serving you again in the future. Best Regards, Shachi Bhardwaj
P
Parth Naresh Patel
Posted on November 22, 2023
5.0
Shachi was absolutely incredible! She is so thorough with everything, provides detailed calculations, and make her self readily available. She not only gave us the best rate but the customer service was second to non. She gave me a peace of mind during the home buying process that was so reassuring and much needed given all of the moving parts.
Reply from Shachi Bhardwaj
Thank you so much for your kind words, Parth. I'm thrilled to hear that you had a positive experience with our services at BankSouth Mortgage. We strive to provide the best rates and customer service, so it's wonderful to see that reflected in your interaction with us. The home buying process can indeed be overwhelming with many moving parts, so I'm glad I could give you peace of mind. It was a pleasure working with you and assisting in your home buying journey. Your satisfaction is our utmost reward. Thanks again for taking the time to share your experience.
E
Eunsoo Woo
Posted on November 12, 2023
5.0
Great service from beginning to end, on top of everything so that it was a smooth transaction. Thank you
Reply from Shachi Bhardwaj
I'm truly grateful for your positive feedback, Eunsoo. It was a pleasure to assist you with your transaction at BankSouth Mortgage. Ensuring a smooth process from start to finish is always one of our main priorities. I'm thrilled to hear that you were satisfied with the service. Thank you so much for your kind words and the 5-star rating. Feel free to reach out again if you need any further assistance. Best wishes, Shachi Bhardwaj.
B
Brian Reynolds Hults
Posted on November 8, 2023
5.0
Shachi really helped us find the best loan option for our situation, even as we realized we were not going to be able to wait for our current property to sell.
Reply from Shachi Bhardwaj
I'm incredibly grateful for your kind words, Brian! I'm so happy I was able to assist you in finding the best loan option for your specific circumstances. It's always a top priority at BankSouth Mortgage to ensure our clients feel supported and informed throughout the process. Even in situations where waiting isn't an option, we strive to find the best solutions. Thank you for taking the time to give such a fantastic review; your satisfaction is my greatest reward. Looking forward to serving you in the future.
V
Varad Rajeev Dabke
Posted on October 4, 2023
5.0
Shachi was great. She was very communicative and efficient in her explanations. I had a very seamless experience coordinating with her during the loan process.
Reply from Shachi Bhardwaj
I'm overjoyed to hear you had a seamless experience with us, Varad! Your kind words honor me, and I'm thrilled that my effort to communicate effectively and efficiently was beneficial to you during the loan process. At BankSouth Mortgage, we aim to provide the best service possible to all our customers. Thank you for your 5-star rating, it truly means a lot to us. Looking forward to assisting you again in the future!
R
Rohit Quintiliano Ma Goes
Posted on October 1, 2023
5.0
Shachi and the team at BankSouth have always been patient, prompt and professional, and have taken the larger burden of the mortgage process off our shoulders, which helps so much with all the other things one is dealing with. We hope we have the opportunity of working together again in the future. BankSouth will definitely be our first choice.
Reply from Shachi Bhardwaj
Thank you so much, Rohit, for your kind words and for taking the time to share your experience. Our team at BankSouth Mortgage always strives to provide prompt, professional service and I'm glad to hear we hit the mark with you. We absolutely look forward to the opportunity to assist you again in the future. Thanks again for choosing us as your trusted mortgage partner!
A
Amit H Patel
Posted on August 31, 2023
5.0
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
A
Alana Williams
Posted on July 13, 2023
5.0
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.
A
Alka Kumar
Posted on July 4, 2023
5.0
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!
H
Hithesh
Posted on June 24, 2023
5.0
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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