Camryn H.
First home in Orlando
Camryn said I helped them find the lowest rate they could find and made the mortgage side feel clear.
Camryn said I helped them find the lowest rate they could find and made the mortgage side feel clear.
Orlando Mortgage Broker · NMLS 2412313
Mortgage shopping
without the BS.
Most people shop rates wrong. Start with real numbers instead — points, credits, break-evens, total interest — before anyone touches your credit.
Run My ScenarioTakes 30 seconds. No credit pull.
25+ years originating loans. · Orlando-based. · Seen every scenario.
No application. No pressure. Just your numbers first.
Your broker
Shahram Sondi
Mortgage Expert • Orlando
NMLS 186790
5.0· 400+ reviews
Shahram · 25+ yrs
Credentialed advisor
Certified Mortgage Advisor
Strategic mortgage guidance
Verify credential
30-yr fixed planning snapshotRates updated 04/30/2026
Three real options, side by side.
The same loan, priced three different ways. Pick the one that fits how long you'll actually keep the mortgage.
Lower RateBuy points
Rate
5.874%
APR
6.087%
30 yr fixed conventional
Price
$500k
Loan
$400k
LTV
80%
Credit
780
1.68 points
$2,366/mo P&I
Pay points upfront for lower P&I.
BalancedMiddle option
Rate
6.250%
APR
6.322%
30 yr fixed conventional
Price
$500k
Loan
$400k
LTV
80%
Credit
780
0.17 points
$2,463/mo P&I
Middle option with limited upfront cost.
Lender CreditClosing help
Rate
6.875%
APR
6.934%
30 yr fixed conventional
Price
$500k
Loan
$400k
LTV
80%
Credit
780
You get $7,904 lender credit toward closing costs
$2,628/mo P&I
Use lender credit to reduce cash needed.
Example scenario: $500,000 price, $400,000 loan, 780 credit, primary single-family, 30-year fixed. Estimates only. Not a Loan Estimate, approval, commitment to lend, or rate lock. The Mortgage Expert · NMLS 2412313.
25+
Shahram's mortgage experience
I have been originating loans since 2000.
Orlando
Based in Central Florida
The Mortgage Expert · Licensed statewide · NMLS 2412313
As seen on WFTV Channel 9
Featured mortgage expert on local TV
Scenario builder
Stop guessing. See your real payment first.
No credit pull. No application. Just your numbers.
Stub in a scenario here, then click through to see all three pricing paths — points, par, and lender credit — for the same loan.
- Compare three pricing paths side-by-side
- See your break-even, not just the rate
- Export a clean PDF for your agent
scenario.themortgageexpert.com
Your scenario
$
%
Estimates only. Not a Loan Estimate, approval, commitment to lend, or rate lock. The Mortgage Expert · NMLS 2412313.
Loan options
Loan options, explained simply.
Different situations require different structures. Here are the most common paths.
How it works
A better way to get a mortgage.
Three steps — no surprise forms, no mystery pricing, no pressure until you're ready.
01Step 1
Run your scenario
See real numbers instantly — no forms, no pressure.
02Step 2
Review your strategy
I help you choose the right structure.
03Step 3
Close with confidence
Wholesale rates. Clean execution.
Proof
Trusted by Orlando homebuyers.
5.0· 400+ reviews
“Shahram made the process simple and transparent. No surprises, no runaround — just straight answers and a great rate.
Maria R.
First-time buyer · Winter Park
“Best mortgage experience we've had. Clear and honest from the first call through closing. He modeled three scenarios before we even applied.
James & Priya D.
Move-up purchase · Orlando
“Refinanced with Shahram after shopping four other lenders. He was the only one who actually showed me the break-even math.
David T.
Refinance · Lake Mary
Real closings
Real closings. Real people. No rate bait.
These are real moments from buyers who made smart decisions and closed with a clear plan.
Adrian G.
First-time homebuyer
As a first-time homebuyer, Adrian said he could not have asked for a better person to walk him through the process from start to finish — and I helped structure the deal so he did not have to pay closing costs out of pocket.
Sydney T.
Clear to close in 2 weeks
Sydney said I helped secure the best rate they found and got the file clear to close within two weeks.