Shalinee Bhardwaj-Mortgage Loan Officer-NMLS# 2037610

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Shalinee Bhardwaj-Mortgage Loan Officer-NMLS# 2037610

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Shalinee Bhardwaj-Mortgage Loan Officer-NMLS # 2037610, Loan service, Austin, TX.

I specialize in helping first-time homebuyers, investors, and self-employed clients navigate the mortgage process with confidence and clarity through personalized financing solutions and strategic wealth-building guidance.

10/28/2026

Midweek Mortgage News — October 28, 2026

The Fed held interest rates steady, and mortgage rates held steady too. The 30-year fixed held at 7.35% today, according to Mortgage News Daily, nearly unchanged from 7.33% yesterday. Freddie Mac's weekly survey: 7.32% for the week ending October 22.

Mortgage rates follow the 10-year Treasury yield, which sat at 5.03% after the decision, near 5.00% Tuesday. The Fed held its benchmark at 3.75% to 4%, so bond demand did not surge and yields stayed put.

Housing data agrees: starts at a one-year low, permits at a three-and-a-half-year low, pending sales at their lowest in 25 years. In Williamson County, the median listing is $415K, down 7.7% from last year, 74 days on market (realtor.com, October 2026).

One honest caveat: the Fed does not set mortgage rates directly — bond markets do.

Are you buying, waiting, or refinancing while rates hold steady?

Shalinee Bhardwaj
Mortgage Loan Officer | NMLS #2037610
Amplify Credit Union | 512-712-3938

10/13/2026

Buying your first home in Texas can feel like a big leap, especially when saving for a down payment feels out of reach.

I work with first-time buyers every day who are surprised to learn about 100% financing options for qualified buyers. No down payment. There's no PMI and interest rates are better than conventional loans.

If you're renting and wondering what you might qualify for, I'm happy to walk through the numbers with you and talk through what makes sense for your situation.

Shalinee Bhardwaj
Mortgage Loan Officer | NMLS #2037610
Amplify Credit Union | 512-712-3938

10/08/2026

My simple rule for buying a home on today’s market:

Buy only if it fits your budget.
And if it fits your budget, buy.

Don’t stretch yourself because someone says prices will keep going up.
Don’t wait forever because you’re hoping for the “perfect” rate or the perfect market.

A home should fit comfortably into your life—not just qualify on paper.

Know your numbers. Know your comfort zone. Then make the decision that works for you.
If you want to know your numbers, call me anytime! 📞512-712-3938.

10/05/2026

Ready to stop renting and start owning? This Manor home can be your gateway to homeownership. With 100% financing available for qualified First Time Home Buyers, your first home is quite within reach.

No downpayment
No PMI
No salary restrictions
Sounds like a dream and have questions? Feel free to call!

09/17/2026

Yesterday was an inspiring day with WIMIN at Amplify Credit Union’s Esperanza Branch—bringing together women professionals for connection, reflection, and growth.

A special thank you to Yvonne Case, VP of Real Estate Production, Amplify and WIMIN Board Member, for bringing us together, and to Felicia Reed for an impactful session on anchoring, recognizing, regulating and reframing the mindset—and building the momentum to keep winning in any market.

Grateful to be part of a community that inspires women to grow, lead, and lift each other up. ✨

09/14/2026

Funded today! 🎉🏡

Another successful Home Equity Loan in the books! My clients are now able to leverage the equity they’ve built in their home to support their financial goals—whether that means tackling a major expense, making an investment, or turning a long-planned project into reality.

Thank you to my clients for trusting me to be part of the journey. I truly enjoyed working with you! ❤️

💡 Mortgage fun fact: 🏡 Home Equity Loans and Cash-Out Refinances have a 3-business-day waiting period after closing before funds are disbursed. ⏳

Your home may be worth more than just the place you live—it may also be one of your most valuable financial assets.

Shalinee Bhardwaj
NMLS- 2037610
Mortgage Loan Originator II
Amplify Credit Union
📱 512-712-3938
📧 [email protected]

09/04/2026

🔑 FIRST HOME. FIRST KEYS. BIG MOMENT. 🏡🎉

Congratulations to my first-time homebuyer on officially becoming a homeowner! What an exciting milestone and the beginning of a beautiful new chapter. ❤️ And a special shoutout to him for being so organized with his documents and incredibly easy to work with throughout the process. It truly made the journey smooth!

🏡

09/01/2026

🏡 Sometimes, the first step toward owning your future home is simply owning the land.

Looking to purchase residential land in Texas? Whether you’re ready to build now or want to secure the right lot for later, a land loan can help you make the purchase.

If you or your clients are looking for financing to purchase residential land, let’s talk about the options available.

📩 Message me to get started.
Call- (512) 712-3938

08/27/2026

🎉 3 closings in my first month and a half at Amplify CU!

🏡 1 home purchase + 2 HELOCs = 3 families served and 3 different financial goals achieved.

Whether you’re buying a home or putting the equity in your home to work for you, the right financing strategy can make all the difference.

So tell me 👇 If you could use your home or a new home to move closer to one financial goal, what would it be? Drop it in the comments!

05/28/2026

Self-employed buyer qualified. Then tax returns get filed.

And loan scenario changes: ❌ Income drops. ❌Write-offs increase❌ Loan no longer qualifies
Tax write-offs shouldn’t automatically end homeownership goals.
Traditional lending looks at tax returns.Smart lending looks at the full financial picture.

For self-employed borrowers, income may qualify using alternative documentation:

✔️ Bank Statements✔️ 1099 Income✔️ P&L Programs✔️ CPA letter and more

Because real cash flow matters!
If you are self-employed and recently hit a roadblock after filing taxes, there may still be financing options worth exploring. Call or text to discuss more.
Shalinee Bhardwaj - Sr Mortgage Loan Officer | NMLS-2037610. 📞512-712-3938

Address

Austin, TX

Telephone

+15127123938

Website

https://www.rateplug.com/lo/ShalineeBhardwaj13, https://www.goamplify.com/mortgage/shalinee-bhardwaj/

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