Kelly (Kalpana) Bharadwaj-z

Kalpana “Kelly” Bharadwaj-z is a trusted Senior Loan Consultant at MGB Financial Services, Inc., bringing over 25 years of combined mortgage and real estate experience to her clients. Known for her personalized, common-sense approach, Kelly has helped countless families and business owners secure financing for both residential and commercial properties. Whether you're a first-time homebuyer, looking to refinance, or exploring down payment assistance programs, Kelly is committed to finding the right loan solution tailored to your goals. Backed by access to a wide network of lenders, she specializes in FHA, VA, Conventional, Jumbo, and hard money loans, as well as home equity lines and custom refinance options. Her mission is simple: provide fast, easy, and reliable lending solutions with integrity and care.