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Mortgage

Mortgage

For over ten years, BankSouth has helped thousands of families finance their homes.  We know how daunting this may be, but we take the worry and hassle out of the process.

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Shachi Bhardwaj

Senior Mortgage Banker
NMLS ID #: 200704
(678) 595-7904
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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.

What Shachi's Customers Say About Her
"From the moment I was introduced to Shachi Bhardwaj, I felt like a family member. I cannot say enough to warrant the special attention to detail and for the experience I had in securing my construction loan. To top it off, BankSouth Mortgage and the Bhardwaj team carried me through the year and a half process of building my new home and then obtaining permanent financing when it was complete. I will forever be grateful for the care I received and will recommend BankSouth Mortgage to everyone."
Laura M.
What Shachi's Customers Say About Her
"Very quick and easy process. The app and document signing is a breeze. Shachi and her staff are responsive and knowledgeable. Best group I have ever worked with for such an important transaction."
Charles P.
What Shachi's Customers Say About Her
"Shachi stayed on top of the process so I didn't have to."
Peter T.
What Shachi's Customers Say About Her
"I would highly recommend Shachi Bhardwaj as a mortgage banker. As first-time homebuyers, the mortgage process was completely new to us. Shachi took the time and patiently explained what each term on the GFE and HUD meant and what the various costs on the loan worksheet were. From getting pre-qualified to closing, she made the process much easier than what we had anticipated. Thank you for all your time and effort."
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What Shachi's Customers Say About Her
"My husband and I would like to thank you and especially your team for efficiently processing our closing documents this morning for our loan. We are very impressed with the professionalism you and your team showed. All documents were accurate and we felt very comfortable that you were handling our loan. I will refer your services to some of our colleagues and friends. Thanks again for being very accommodating and responsive to our needs. You are the BEST!!!"
S.M.
What Shachi's Customers Say About Her
"It was a pleasure to work with Shachi on our refinancing. She answered every question and managed each step of the process with care and precision. Her expertise put me at ease. Though I am certain she is very busy, her responsiveness and respectful demeanor made me feel like I was her only client. On several occasions, I sent email correspondence to her after business hours and she responded the same evening. I am very happy that Shachi was recommended to me."
Donna S.
What Shachi's Customers Say About Her
"I have bought several homes before and worked with several different banks. Hands down this is one of the best experiences I have had so far. Shachi and her team provided excellent service. Purchasing a home can be painful but thanks to Shachi it was done prefect! I have no complaints and would always recommend her to anyone purchasing a home! I am very satisfied with the level of service."
A. Brown
What Shachi's Customers Say About Her
"Great communication throughout. Shachi is always available to answer questions and very knowledgeable."
Matthew G.
What Shachi's Customers Say About Her
"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."
S.T.
What Shachi's Customers Say About Her
"Shachi is a pleasure to work with! She is very knowledgeable and can help in evaluating various financing options. She is detail oriented and ensures that everything is managed on time and accurately which is very important when you are financing any kind of property."
Satish A.
What Shachi's Customers Say About Her
"Shachi is an excellent professional that you can trust. I needed to get a loan in two weeks and she and her staff worked really hard to get the loan originated and processed. She is very friendly and will do all that it takes to help you with the process of getting a loan. I would highly recommend her to anyone looking for a mortgage."
Neil P.
What Shachi's Customers Say About Her
"We had refinanced our house loan via Shachi. She has a very deep knowledge of her business. Not only she provided us with comprehensive explanation and guidance on options available to us, she also made the whole process very simple and made sure that we get the very best possible rates. She was there to help, provide advice and make excellent recommendations. Her top qualities: Personable, Expert, On Time and very prompt in returning calls. I highly recommend her services if you're in the market for a home loan or refinance."
Zack G.
What Shachi's Customers Say About Her
"She was always available to take all of our questions. Very positive, happy, and friendly."
Jennifer G.
What Shachi's Customers Say About Her
"For past five years my clients have been having Shachi's help in getting mortgage for their new home purchase or for refinancing their existing home. They are very happy and satisfied with her knowledge of the industry. She is trustworthy and reliable."
Kiran K.
What Shachi's Customers Say About Her
"For a first-time homebuyer like me with several questions, Ms. Bhardwaj was always available (late at night or early in the mornings) to very patiently explain the process, repeat an explanation, or calm me down if I got worried about something. I can't thank her enough for everything she did."
Jagan K.
What Shachi's Customers Say About Her
"There simply are no superlatives sufficient to thank you for your fantastic service in securing financing for us. You got us an excellent rate that was competitive with the very best offers out there, and came up with a very smart financing strategy that lured me to secure financing. I will happily and “enthusiastically” recommend you to others."
Sanjay S.
What Shachi's Customers Say About Her
"She will get you the best deal. Quick response to questions with informative answers. She and her team are the best."
Rifat U.
What Shachi's Customers Say About Her
"Shachi was extremely courteous and professionally handled our Refi mortgage loan. She was always available to answer questions outside of normal business hours. She guided us through the product selection process, keeping our interest first and ensuring that it's a best fit. We were under a time crunch and she made it happen to meet our timelines. Shachi comes highly recommended by many in our family circle, and I most definitely look forward to working with her again. THANK YOU!"
Rajesh W.
What Shachi's Customers Say About Her
"Shachi was a pleasure to work with. She was responsive and knowledgeable regarding the refinance of our home. We would use her again when the time comes."
Neil M.
What Shachi's Customers Say About Her
"Shachi was extremely attentive to our needs through the entire mortgage loan process. Her follow up and attention to detail is to be commended. She is no doubt committed to delivering the highest quality of service. As a result, a positive outcome is guaranteed."
Bibek M.
What Shachi's Customers Say About Her
"Shachi was great to work with. She was very helpful and knowledgeable about any question I had. Also was very responsive, she answered my questions in a timely manner."
Christopher S.
What Shachi's Customers Say About Her
"Shachi was amazing to work with at BankSouth! We appreciate her attention to detail and expertise. We would highly recommend her to others!"
K.R.
What Shachi's Customers Say About Her
"Shachi and her team were amazing! From the initial pre-approval with a VA loan, all the way through closing she was there to answer any questions - sometimes even at 9:30pm! She and Margaret kept us informed on every step throughout, the communication was excellent, which helped us get to closing under 30 days during the holiday season. I couldn’t have asked for a better person, team, bank to work with. Thank you, Shachi, Margaret, and BankSouth Mortgage."
James G.
What Shachi's Customers Say About Her
"Shachi is the ultimate in mortgage banking industry. We first learnt of Shachi through a friend who had financed with her before. As we've always valued a recommendation from a former client, we went ahead with Shachi for our home finance. Shachi was proactive to the market rates and even after we locked in the rates, she was on top of every step of the process. I've recommended Shachi to many of my colleagues and family members knowing that they'll get the same results. I would highly recommend Shachi if you were in the market to finance or refinance your home or business. I guarantee you great results and a great friend!"
Harshal V.
What Shachi's Customers Say About Her
"I am writing to give Shachi Bhardwaj my highest recommendation. Shachi possesses all the attributes necessary to be an excellent Mortgage Banker: she knows her market extremely well; she is diligent, responsive, and yet very patient with her clients. Shachi is both very professional and personable. She clearly takes pride in doing a good job. It would be hard to envision someone doing a better job than Shachi or being anything but happy in choosing to work with her."
Ven B.
What Shachi's Customers Say About Her
"She is an excellent loan advisor and works diligently to beat the timelines."
Monika J.
What Shachi's Customers Say About Her
"Shachi was fantastic! She made the process very simple, quick, and went out of her way to provide information that I needed in my specific situation. I would recommend her to anyone buying their first home, last home, or refinancing. She was also always available. Even at times when I didn’t require an answer right away, she responded immediately. Thank you for your great work, Shachi!"
Kasey G.
What Shachi's Customers Say About Her
"Our mortgage Banker, Shachi Bhardwaj, was excellent. Separate from her knowledge and expertise, she was honest, trustworthy, accommodating and positive. I admired her ability to accept her clients, figuratively speaking, where they were specific to mortgage processes, etc. These before-mentioned attributes coupled with her willingness to be available during the day, the evening and often into the night were most appreciated especially given that we purchased and built while living in another region of the country. We would recommend Ms. Bhardwaj based on her professionalism, quality of service, her experience and knowledge."
R.G. & S.G. / Borrowers
What Shachi's Customers Say About Her
"Shachi provided flexible meeting times, individual attention and was able to help meet our financial needs. Shachi was also very responsive throughout the process."
J.M. and T.M.
What Shachi's Customers Say About Her
"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."
L.S. and D.S.
What Shachi's Customers Say About Her
"I am writing to thank you for your help with the recent mortgage loan I obtained from BankSouth. Since the inception of the process, you were diligent in following up and working with me closely at every step. I value your integrity for keeping the promise of getting my loan approved and processed within 10 days; that’s exceptional compared to the industry average and unheard of; not to mention the extremely competitive pricing and friendly staff. No matter what time of the day it was, you were always on your toes in keeping things moving along smoothly. You made this overwhelming process a breeze for me. I would definitely refer you anyone I know who is looking for a mortgage loan. After hearing the horror stories of the few people I know, I think I was fortunate to have worked with you, given the time constraints I had. Thank you for such a wonderful experience."
A.S.
What Shachi's Customers Say About Her
"Shachi was outstanding and gave us excellent service. She is a true professional. She was always very responsive and made sure that we knew the pros and cons of any issue."
Shreyes M.
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Contact Shachi Bhardwaj Today

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