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NMLS 2412313

Orlando mortgage broker · Serving Florida

Your next move.Starts here.

A home is a big move.
Choose a part of the house.
We’ll help you take the next step.

Shahram Sondi, Florida mortgage broker and founder of Mortgage Expert
I’m Shahram. Your mortgage broker.

I shop several lenders.
You work directly with me.

NMLS 186790

Originating mortgages since 2001

A home. Three ways to begin.

Tap the house or a label to explore

A real person behind your mortgage

Good advice.
From the first click to closing.

Explore on your own. Talk when you’re ready.
Either way, you’ll know who’s helping you.

Shahram Sondi seated at his desk in a light-blue shirt
MEET SHAHRAM SONDI

Straight answers.
Personal attention.

I’ll help you understand your options, the monthly payment, and the costs, then stay involved through closing.

More about Shahram ↗︎
reviews
“Super communicative and willing to answer all my questions.” - Jeremy Eaton · Google review
Read the reviews ↗︎

Individual experiences vary. Mortgage rates and outcomes depend on your circumstances.

From Mortgage Expert

Latest Florida Housing & Mortgage Insights

What’s happening, what it means for your budget, and what to consider next.

View all articles

Latest insider guide

Your credit score is only part of the decision. See how cash to close, monthly payments and mortgage insurance affect which loan fits your plans.

Read the FHA vs. conventional guide

Explore your loan options

Different loans.
One that fits your life.

You don’t need to know your loan program to get started. These guides explain the options.

Conventional

Compare a familiar option for buying a first home, moving up, or refinancing.

Explore Conventional loans ↗︎

FHA

Understand how FHA compares with other options for your credit and down payment.

Explore FHA loans ↗︎

VA

Explore mortgage options for eligible veterans, service members, and surviving spouses.

Explore VA loans ↗︎

Jumbo

Buying a higher-priced home? Learn what changes with a larger mortgage.

Explore Jumbo loans ↗︎

USDA

Learn about financing for eligible homes and borrowers in qualifying areas.

Explore USDA loans ↗︎

Non-QM & bank statements

Explore alternative documentation options when your income needs a closer look.

Explore alternative documentation ↗︎
More ways to buyDSCR investor loans ↗︎Second-home mortgages ↗︎Compare loan options ↗︎

Start with your situation

A little guidance for your next move.

Your first home. Or your next one.
BUYING A HOME

Get familiar with the steps, plan your cash needed, and understand what preapproval involves.

Your homebuying roadmap First-time homebuyer guide · Florida First-time homebuyer guide · Orlando Orlando mortgage preapproval
Make your next mortgage count.
ALREADY OWN A HOME?

Review the costs, savings, and timing before deciding whether a new loan makes sense.

How to think about refinancing Florida refinance rates Cash-out refinancing in Florida Ways to lower your mortgage payment
Buying a home? Explore your payment and home search.

Put your home search in perspective

Know the payment before you fall in love with the home.

A listing price only tells you part of the story. Explore available homes, then see estimated monthly payments, closing costs, and cash needed to buy the properties you like.

Explore Homes & Payments

Home search and mortgage planning, brought together by Shahram Sondi.

Want more cash left after closing?

Want more cash left after closing?

Let’s look at lender-credit options and what they mean for your payment. Lender credit from the rate you choose may cover all or part of your eligible closing costs.

Rate choiceLender creditEligible costs
Text About Closing CostsCall MeSee how it worksPros & cons of a no closing cost mortgage

* More lender credit generally means a higher rate, payment and interest cost. Full coverage requires a $250,000+ loan and enough credit. Down payment, prepaids, escrow deposits and HOA charges are not covered. Not all borrowers qualify. Florida primary homes only: resale purchases and eligible refinances. Second homes, investment properties, and builder/new-construction transactions excluded. Covered costs, eligibility & exclusions

More mortgage calculators & rate tools
PUT THE NUMBERS TO WORK

Explore the payment before you commit.

Use the calculators or review current Florida mortgage rate options.

Go a little deeper

Answers when
you want them.

Plain-English explanations for the decisions that matter. Explore at your pace.

Browse all guides ↗︎
How much do I need upfront?Understand down payments and cash needed to buy.↗︎What’s included in closing costs?See where the money goes and what can change.↗︎How can I lower my mortgage payment?Understand escrow, PMI, recasting, and refinancing.↗︎

Straight advice

What I tell
every client.

Know what you’re comparing.
Understand what you’re signing.

Why use a mortgage broker? ↗︎
Don’t pick a lender by the logo.Compare the rate, monthly payment, fees, and money needed at closing.

Make sure quotes use the same loan type, term, lock period, down payment, and credit assumptions. Compare discount points and lender credits along with the rate. See how to compare Orlando mortgage lenders.

A lower payment isn’t always a better deal.Look at upfront costs, what the payment includes, and how long you’ll keep the loan.

Taxes, insurance, and mortgage insurance can change the full payment. Weigh the cost of a new loan against the savings and the time it takes to break even.

The loan should fit you.Conventional, FHA, and VA can each make sense for different situations.

Your income, credit, debts, available cash, property, and plans help determine which options are worth comparing. FHA is not limited to first-time buyers.

If it doesn’t make sense, ask again.You should understand your mortgage before you sign anything.

Ask about the interest rate, APR, full payment, points or credits, cash needed at closing, and whether your rate is locked. Keep asking until the answers are clear.

Before you get started

A few quick answers.

Do I need to apply before I can ask a question?

No. Call Shahram to ask a question, talk through your options, or discuss an initial quote. You can decide on your next step after the conversation.

Can I see estimates before I talk to someone?

Yes. The rates calculator lets you explore estimated rates and payments without entering your name, phone number, or email. Estimates are not a loan approval or rate lock.

What if I don’t know where to start?

Start with “What can I afford?” if you’re exploring your budget, or talk to Shahram about what you want to do. You don’t need to know which loan program to choose before asking a question.

Do you help borrowers outside Orlando?

Yes. Mortgage Expert is based in Orlando and serves borrowers throughout Florida. See what to expect when working with an Orlando mortgage broker, or explore mortgage help across Florida.

You’ve seen the numbers. Want my take?

Text your question or call me. We’ll work out the next step together.

Already under contract? Let’s check your quote and closing date.

Text Me ↗︎Call Me ↗︎

Mortgage question or quick quote?

Text Shahram

No application needed to start.