Shahram Sondi Florida broker-owner NMLS 186790
Florida Mortgages.No Call Center.No B.S.
Work directly with Shahram for real numbers, competitive options, and straight advice from your first question through closing.
Two ways in
Where do you want to start?
Know your real numbers, then get pre-approved — fast.
See the latest available numbers, then check any lender quote against them.
Know your numbers
Start with the number you know.
Choose a monthly payment or a home price. See the estimated principal-and-interest payment, buying power, and cash needed behind it.
We solve the home price that fits this payment.
Conventional allows as little as 3% down.
Principal and interest only. Property taxes, homeowners insurance, HOA dues, and mortgage insurance are not included unless added.
- Principal & interest$2,496
- Property taxes (allowance)$495
- Homeowners insurance (allowance)$200
- Estimated total housing payment$3,191/mo
Uses your visible tax and insurance planning allowances (below in Refine) and any HOA dues you enter there. Mortgage insurance is included automatically only when your down payment is under 20%. Adjust taxes, insurance, and HOA in Refine.
Actual qualification depends on verified income, debts, credit, assets, property, and program requirements.
Planning range $105,170–$106,960, depending on your closing date.
- Down payment$95,000
- Estimated closing costs$5,115
- Estimated prepaids & escrow$5,558
- Discount points$213
- Estimated cash needed$105,886
- Conventional · 30-year fixed
- Primary residence · Single-family home
- 20% down · 740–759 credit
- Taxes $5,938/yr · insurance $2,400/yr (allowances)
- Rate 6.875% · APR 6.942% · Par
- Florida · 30-day lock · rates as of 07/28/2026
Proposed changes — nothing updates until you choose See Updated Results.
Loan structure
Down payment for this program
Conventional allows as little as 3% down.
Borrower & property
Costs & allowances
Based on a typical Central Florida resale purchase where the seller pays the owner’s title policy and documentary stamps on the deed. Your contract and closing terms may differ. Property taxes and insurance start as visible planning allowances — enter the property’s actual figures when you have them.
The primary payment shown is principal and interest only. The optional total-payment estimate uses the visible tax and insurance allowances, any HOA dues you enter, and applicable mortgage insurance. Estimated cash needed also uses the visible tax and insurance planning allowances. Actual payment, cash needed, pricing, and eligibility depend on verified information, your contract, and final closing terms. Same-day service terms.
Why work with me?
You work with me.
Start to finish.
No call center. Your file is personally overseen by Shahram from the first question through closing.
From strategy and same-day pre-approval through loan structuring and closing, Shahram stays accountable for the whole file.
Strategy
I compare the full structure—rate, payment, cash needed, lender costs, and trade-offs.
Same-Day Pre-Approval*
I prepare the file early, establish the buying range, and help you get ready to make an offer.
Loan Structuring
I compare the program and lender, manage the details, and stay involved through underwriting.
Closing
I stay accountable, solve problems, and see the loan through to the closing table.
- 25+ years in mortgages
- Mortgage originator since 2001
- Certified Mortgage Advisor
- Licensed Florida real estate broker
“I contacted Shahram on a Sunday morning at 8AM, and 10 minutes later he contacted me and we got the ball rolling.”
Independent Broker Access
More options. One point of contact.
I compare the lender and structure that fit the scenario instead of forcing every borrower into one bank’s box.
Examples shown are not exhaustive. Lender placement and loan availability depend on the borrower’s scenario, eligibility, and underwriting.
Personally overseen by Shahram · No hard credit pull required for a quote · No application fee
Other lender charges and third-party closing costs may apply. A licensed team member may assist with communication, processing, or follow-up while Shahram remains responsible for the loan strategy and file.
Homebuyer Starter Kit
Know your numbers.
Then shop.
Before you tour homes, know the payment you can live with, the cash you’ll need, and the strategy that makes your offer stronger.
Know your payment
Start with the monthly principal-and-interest number that feels comfortable. Then see the home price it supports and what could change the payment.
Know your cash
Plan for the down payment, buyer-side closing costs, prepaids, and escrow—not just the price on the listing.
Build the strategy
Choose the right program, verify the file early, and know what you can confidently offer before you shop.
Use Know Your NumbersExplore the complete homebuying guide
Then shop with a plan.
Clear range. Reviewed file. Direct access to Shahram when the deal gets real.
Refinancing?
A lower rate
isn’t enough.
A refinance only works when the new payment, total closing cost, break-even timeline, loan term, and long-term interest improve the plan—not just the headline rate.
What are you trying to change?
Compare the full monthly payment, total cost to refinance, and how long it takes the savings to recover that cost.
The refinance reality check
New monthly payment
Compare the full payment—not only the interest rate.
Total cost to refinance
Count lender charges, title and settlement costs, appraisal, prepaids, escrow changes, and any points.
Break-even timeline
Measure how long the monthly savings or other benefit takes to recover the cost.
Long-term result
Compare the new term, remaining balance, total interest, equity used, and how long you expect to keep the loan.
Make the move only
when the math holds up.
A lower payment can still be a bad trade if the cost, term reset, or equity used works against the plan.
Refinancing may involve closing costs and can restart or extend the loan term. The right comparison depends on the complete borrower, property, current loan, and goal.
Florida mortgage rates
The rate is only
the first number.
Rate. APR. Points or credit. Principal-and-interest payment. See the whole structure—without an application or hard credit pull.
Latest available Florida mortgage pricing
Last available pricing: 07/28/2026
Conventional 30-year
Rate6.124%APR6.339%Discount points1.790% · $10,069P&I payment$3,417/moLoan amount$562,500FHA 30-year
Rate5.750%APR6.857%Discount points1.871% · $7,348P&I payment$2,292/moLoan amount$392,755VA 30-year
Rate5.750%APR6.150%Discount points1.660% · $8,478P&I payment$2,981/moLoan amount$510,750
Principal and interest only. Taxes, insurance, HOA dues, and applicable mortgage insurance are not included unless specifically stated.
Each program snapshot uses the assumptions shown below. These are pricing examples—not a side-by-side recommendation for one borrower.
- Program
- Conventional 30-year
- Representative example
- Pricing example, not a side-by-side recommendation
- Pricing effective
- 07/28/2026
- Purchase price
- $750,000
- Base loan amount
- $562,500
- Down payment
- 25%
- Loan-to-value
- 75%
- Credit range
- 780–799 FICO
- Program & term
- Conventional 30-year fixed
- Purpose
- Purchase
- Occupancy
- Primary residence
- Property type
- Single-family
- Lock period
- 30-day
- Note rate
- 6.124%
- APR
- 6.339%
- Discount points
- Discount points: 1.790% — $10,069 paid upfront
- P&I payment
- $3,417/mo · 360 payments
The displayed $3,417 principal-and-interest payment is calculated using the disclosed loan amount of $562,500 over 360 monthly payments. It does not include property taxes, homeowners or flood insurance, HOA dues, private mortgage insurance where applicable, or other applicable housing expenses. Your actual monthly housing payment will be higher.
APR is calculated from the disclosed note rate, loan amount, term, payment schedule, and applicable finance charges. Finance charges included in the APR: the discount points shown above, a $1,150 lender fee, a $500 settlement/closing charge, and approximately 10 days of prepaid interest. The APR calculation excludes title insurance and certain other third-party charges that are not treated as finance charges. Those costs may still be part of the borrower’s cash to close.
Representative Florida mortgage example only. Advertised rates, APRs, discount points, lender credits, payments, and other terms are subject to change without notice and may not be available at commitment or closing. Not all applicants will qualify. This is not a Loan Estimate, approval, commitment to lend, or rate lock. Final terms depend on verified credit, income, assets, debts, occupancy, property, loan program, lender requirements, and market pricing when locked.
Available for Florida properties only. $100,000 minimum loan amount.
Displayed pricing is illustrative and subject to change. Final rate, APR, points or lender credit, payment, and eligibility depend on verified borrower, property, program, lock, and market information.
Client reviews
They remember who showed up.
The call that got answered. The honest advice. The file that still made it to closing.
Rated 5.0 out of 5. 5.0 · 400+ Google & Zillow reviews
Not only did he offer the best rate compared to other lenders we spoke with, but he also closely monitored the market and personally reached out to tell us when to lock our rate. By the very next day, rates had increased, and his advice ended up saving us money on our monthly payment.
Showing review 1 of 5: The rate-lock call.
One conversation first
Tell meyour scenario.
Looking for a mortgage quote? Comparing a lender? Planning a purchase or refinance? Tell Shahram what you’re working with and he’ll explain the options worth comparing.
Four quick details. Overseen by Shahram.
Your inquiry is personally overseen by Shahram—no call center.
- Personally overseen by Shahram
- No call center
- This is not a mortgage application
Overseen by Shahram
Start with your real scenario.
Name, email, mobile phone, and the situation you want help deciding. Your page selections are attached automatically.
Send My ScenarioPrefer to talk? Call Shahram · (407) 906-6414
This is not a mortgage application. Your inquiry is personally overseen by Shahram—no call center, and it is not sold or sent to multiple lenders.
Important Disclosures
Same-day pre-approval service may be available for eligible scenarios when a complete mortgage application and all requested income, asset, credit, debt, and property information are received during normal business hours, Monday through Friday, 9:00 a.m.–5:00 p.m. Eastern Time. Not every applicant will qualify or receive a pre-approval the same day. A pre-approval is conditional, is not a commitment to lend, and remains subject to verification, underwriting, acceptable property, lender conditions, and program requirements.