Shahram Sondi Florida broker-owner NMLS 186790
No BS.Real numbers.How can I help?
Buying, refinancing, comparing a quote, or checking rates—I’ll show you what actually makes sense.
Refinancing?
Lower payment? Pay off sooner? Need cash?
I’ll show you whether the numbers actually make sense.
Compare the structure before you restart the clock.
New structure: New structure. Choose an option to see the trade-off.
Illustrative example only—not a quote, approval or recommendation. Actual options depend on your loan, equity, credit and property.
Florida mortgage rates
See what today’s rate really costs.
Rate. APR. Points. Payment. The whole picture—without an application or credit pull.
Conventional Rates
More ways to structure the deal.
Adjust the price, down payment and credit score. See how the rate, APR, points and payment move together.
Updated: rate 6.250%, APR 6.426%, payment $3,463/mo.
- Program
- Conventional
- Purchase price
- $750,000
- Loan amount
- $562,500
- Down payment
- 25% ($187,500)
- Credit assumption
- 780–799 FICO
- Term
- 30-year fixed
- Occupancy
- Primary residence
- Property type
- Single-family
- Points / credit
- 1.372 pts
- Note rate
- 6.250%
- APR
- 6.426%
- Payment (P&I)
- $3,463/mo
- Availability
- Florida only
- Pricing last updated
- 07/24/2026
Mortgage insurance may apply depending on loan-to-value, credit profile, property type, occupancy, and mortgage insurance provider. The displayed P&I estimate does not include taxes, insurance, HOA dues, or mortgage insurance unless specifically stated.
APR reflects certain financed costs in addition to the note rate, so it usually reads higher; the note rate sets your monthly principal & interest. Compare both.
Estimated payment is principal and interest only. Taxes, homeowners insurance, HOA dues, and any applicable PMI, FHA MIP, VA funding fee, or other escrowed items are not included; your actual monthly payment may be higher.
Not all borrowers will qualify. Pricing, points, and lender credits can change without notice and are subject to credit approval, underwriting, property eligibility, and program guidelines.
Sample rates are for informational purposes only and are subject to change without notice. This is not a Loan Estimate, approval, commitment to lend, or rate lock. Final terms depend on verified credit, income, assets, property type, occupancy, loan program, lock period, lender conditions, third-party fees, and market pricing at the time of lock. Taxes, insurance, HOA dues, mortgage insurance, prepaid items, and other settlement charges may affect the final payment and cash to close.
- No-BS transparent pricing
- Custom mortgage terms
- Straightforward answers
- No call center
- Closing as fast as 14 days
- Open evenings and weekends
FHA Rates
Lower down payment. More flexible credit.
Change your numbers and see whether FHA makes more sense for your situation.
Updated: rate 5.875%, APR 6.937%, payment $2,323/mo.
- Program
- FHA
- Purchase price
- $400,000
- Loan amount
- $386,000
- Down payment
- 3.5% ($14,000)
- Credit assumption
- 680–699 FICO
- Term
- 30-year fixed
- Occupancy
- Primary residence
- Property type
- Single-family
- Points / credit
- 1.425 pts
- Note rate
- 5.875%
- APR
- 6.937%
- Payment (P&I)
- $2,323/mo
- Availability
- Florida only
- Pricing last updated
- 07/24/2026
FHA loans may include upfront and annual mortgage insurance premiums. The displayed P&I estimate is principal and interest only unless the card specifically states that mortgage insurance is included.
APR reflects certain financed costs in addition to the note rate, so it usually reads higher; the note rate sets your monthly principal & interest. Compare both.
Estimated payment is principal and interest only. Taxes, homeowners insurance, HOA dues, and any applicable PMI, FHA MIP, VA funding fee, or other escrowed items are not included; your actual monthly payment may be higher.
Not all borrowers will qualify. Pricing, points, and lender credits can change without notice and are subject to credit approval, underwriting, property eligibility, and program guidelines.
Sample rates are for informational purposes only and are subject to change without notice. This is not a Loan Estimate, approval, commitment to lend, or rate lock. Final terms depend on verified credit, income, assets, property type, occupancy, loan program, lock period, lender conditions, third-party fees, and market pricing at the time of lock. Taxes, insurance, HOA dues, mortgage insurance, prepaid items, and other settlement charges may affect the final payment and cash to close.
- No-BS transparent pricing
- Custom mortgage terms
- Straightforward answers
- No call center
- Closing as fast as 14 days
- Open evenings and weekends
VA Rates
Zero down. No monthly mortgage insurance.
For eligible veterans, VA is often the best mortgage option available.
Updated: rate 5.750%, APR 6.170%, payment $2,981/mo.
- Program
- VA
- Purchase price
- $500,000
- Loan amount
- $500,000
- Down payment
- 0% ($0)
- Credit assumption
- 680–699 FICO
- Term
- 30-year fixed
- Occupancy
- Primary residence
- Property type
- Single-family
- Points / credit
- 1.872 pts
- Note rate
- 5.750%
- APR
- 6.170%
- Payment (P&I)
- $2,981/mo
- Availability
- Florida only
- Pricing last updated
- 07/24/2026
VA loans may include a VA funding fee depending on eligibility, service history, down payment, and prior VA use. The displayed P&I estimate is principal and interest only unless the card specifically states that the funding fee or other costs are included.
APR reflects certain financed costs in addition to the note rate, so it usually reads higher; the note rate sets your monthly principal & interest. Compare both.
Estimated payment is principal and interest only. Taxes, homeowners insurance, HOA dues, and any applicable PMI, FHA MIP, VA funding fee, or other escrowed items are not included; your actual monthly payment may be higher.
Not all borrowers will qualify. Pricing, points, and lender credits can change without notice and are subject to credit approval, underwriting, property eligibility, and program guidelines.
Sample rates are for informational purposes only and are subject to change without notice. This is not a Loan Estimate, approval, commitment to lend, or rate lock. Final terms depend on verified credit, income, assets, property type, occupancy, loan program, lock period, lender conditions, third-party fees, and market pricing at the time of lock. Taxes, insurance, HOA dues, mortgage insurance, prepaid items, and other settlement charges may affect the final payment and cash to close.
First-time homebuyer?
Mortgage options. Simplified.
Straightforward answers. Clear guidance. No runaround.
Let me take the stress out of buying your first home.
Your first home starter kit
Eligible first-time buyers may qualify for certain conventional options with as little as 3% down. Qualification and product availability vary.
Not every option fits every borrower. Eligibility, underwriting and assistance availability vary.
Why work with me?
You work with me. Start to finish.
No call center. No sales handoff. Just direct guidance from your first question through closing.
- 25+Years in mortgages
- Independent Florida broker
- 400+Client reviewsGoogle + Zillow · as of July 2026
- WFTV Channel 9Home Expert
Wholesale lender access
More options. One point of contact.
Examples of wholesale lenders I work with. I compare the lender and structure that fit the scenario.
Official wholesale-lender logos, shown as examples of lenders I work with.
Examples shown are not exhaustive. Lender placement and loan availability depend on the borrower’s scenario, eligibility, and underwriting.
Your file, start to finish
- Strategy
I compare the full structure.
- Pre-approval
I prepare the file early.
- Underwriting
I stay involved.
- Closing
I see it through.
Client reviews
Don’t take my word for it.
Clients remember who answered, who explained, and who got the deal to the closing table.
Read More Client ReviewsReal client stories.Real names.Real sources.
Every story here is a verified client review — shown with the reviewer’s name and its source.
Read More Client ReviewsThe Sunday morning callback I contacted Shahram on a Sunday morning at 8AM, and 10 minutes later he contacted me and we got the ball rolling.
Erik C.Google ReviewThe rate-lock call 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.
Rachel G.Google ReviewThe honest answer I was made to feel very confident in my decision when Shahram, against his own best interests, said he would undoubtedly go that direction in my specific circumstances.
Charlie F.Google ReviewThe file another lender almost lost Our initial financing fell apart & we were referred to Shahram by our realtor, as our home was closing in 2 weeks. Shahram was innovative, honest, & very professional throughout the whole process.
April A.Google ReviewThe hurricane closing Most impressive is the way he handled the lender, insurance, and real estate agents immediately following Central Florida being hit by a hurricane. He was proactive and navigated several obstacles to get us to closing on time, which was only days after the storm.
Steven S.Google Review
01/06
Showing review 1 of 6
One conversation first
Tell me your scenario.
Looking for a mortgage quote? Comparing a lender? Planning a purchase or refinance? Tell me what you’re working with and I’ll show you the options that make sense.