Shachi Bhardwaj
VP, Sr. 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.
Recent Posts
July 12, 2024
July 3, 2024
June 27, 2024
What Customers Say About Shachi Bhardwaj
298
Total Reviews
Powered By
J
Josh Singh
Posted on June 22, 2024
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.
G
Gregg Ardizone
Posted on April 4, 2024
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.
A
Alpesh J Patel
Posted on April 4, 2024
Thank you very much
S
Shalvi R Shah
Posted on February 1, 2024
Shachi was great to work with and I was able to close in my house!
Y
Yash Sanjay Mehta
Posted on January 25, 2024
She did very well keeping things organized and smooth. Very nice to work with and answered all questions we had. Thank you!
J
Jennifer Susanne Goyette
Posted on January 3, 2024
Shachi and her team were great to work with! Highly recommended.
S
Sharla Engle
Posted on December 21, 2023
Excellent service.
J
Jacob Wiemer
Posted on December 15, 2023
She was very responsive and attentive throughout the home buying process.
H
Hemanth Devabhakthuni
Posted on December 7, 2023
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.
R
Ravi Ramamoorthy
Posted on December 1, 2023
Thanks for all your help
P
Purushottam Sridhar Deshpande
Posted on November 30, 2023
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
P
Parth Patel
Posted on November 22, 2023
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.
P
Parth Naresh Patel
Posted on November 22, 2023
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.
E
Eunsoo Woo
Posted on November 12, 2023
Great service from beginning to end, on top of everything so that it was a smooth transaction. Thank you
B
Brian Reynolds Hults
Posted on November 8, 2023
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.
V
Varad Rajeev Dabke
Posted on October 4, 2023
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.
R
Rohit Quintiliano Ma Goes
Posted on October 1, 2023
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.
A
Amit H Patel
Posted on August 31, 2023
Great bank to work with for mortgage needs.
A
Alana Williams
Posted on July 13, 2023
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.
A
Alka K
Posted on July 4, 2023
I worked with Shachi on the purchase of my first home and I could not recommend her enough. She was so thorough and spent the time to ensure that I had everything in place to get my mortgage. She's the person to go to if you are looking for a lender to walk you through the process!
Mortgage Calculator
We're ready to help.
Let's get in touch
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.