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.
What really sets her apart from her competition is her comprehensive industry knowledge, resourcefulness, and responsiveness to client needs. She takes the time to understand her client’s personal needs, goals, dreams and challenges – whether you are a 1st time home buyer, buying your next home, or refinancing. She takes pride in not only diligently finding the best mortgage loan option for her clients, but also helping her clients fully understand the home loan process and become comfortable with all aspects of it.
And if you happen to be on a work visa, you would be hard pressed to find a more knowledgeable and resourceful loan officer. With her extensive knowledge of the US immigration and work visa rules, built on her vast experience with non-U.S. Citizens/Permanent Resident Alien clients, she will ensure that your unique needs are met in the most efficient manner possible.
Shachi’s extensive experience in Residential Mortgage Lending covers a full spectrum of loan products, including New Construction Financing, Conventional Loans, Jumbo Loans, Construction Loans, Renovation Loans, FHA Loans, VA Loans, USDA Loans, and Home Equity Line of Credit.
I’m not going to go into our story, but I can tell you during what was turning into a very bleak and “we might have to abandon our retirement home” due to the sudden turn of economy, etc, Shachi, who was referred to us, literally save us immensely. We had already talked to many others about a mortgage loan from a transferred of a construction loan and only she was able to not only help us, she also was able to keep us in our “ballpark” while the VA did the usual bureaucratic red tape for a lot longer than anyone expected. Shachi went above and beyond! Many thanks.
Very quick and straightforward. My only complaint was that paperwork required for closing was not clear (Closing disclosure vs ATLA - which was previously accepted) and almost held up closing if I didn't panic call 10 people to get the correct version of the exact same form.
Shachi was an absolute pleasure to work with. Her relaxed and cheerful demeanor helped to put me at ease and was invaluable during my most stressful moments. I deeply appreciated her accessibility and her patience. She always took the time to answer my questions and to explain the process in terms I could understand. Shachi is an absolute treasure. I would not hesitate to work with her again. I highly recommend her to anyone who needs a lender.
Shachi is a fantastic banker who pays utmost attention to all the details. Being a first time house owner, I was nervous and lacked knowledge about a lot of things. Shachi put me at ease and assisted patiently through out the whole process answering all my questions. She also called me on the day of closing to make sure if I have any questions. She and her team are exceptional. I highly recommend Shachi.
Shachi was of great help to us explaining each and every step throughout the process. She was very aware of what the requirements were and made sure we were not rushed and that we were constantly updated. During the actual closing she stepped up to take care of the additional documentation that the funding group needed. We sincerely appreciate her efforts and patience to get us through to the end.
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.
Credit and collateral are subject to approval. Terms and conditions apply. Rates, program terms
and conditions are subject to change without notice. Some programs have geographic
restrictions. This is not a commitment to lend.
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