First-time buyer · FHA
First-time buyers who thought homeownership was out of reach. Shahram helped structure the FHA financing, seller-paid closing costs, and approval strategy so they could buy with less cash out of pocket.
Built by Shahram Sondi · Certified Mortgage Advisor · NMLS 186790
Find your mortgage path in 10 seconds.
Search rates, check pre-approval steps, and compare loan options — before any full application.
Pick one — the console updates instantly.
No call center · No rate bait · No full application to explore.
Rate ConsoleSearch Rates · Orlando, FL
Purchase · $750,000 · 25% down · 30-yr fixed · 780+ FICOEdit
Rates updated 06/16/2026
Balanced PathSelected
6.250%6.294%APR
Moderate rate/cost tradeoff for planning.
$3,463/moEstimated P&I
Estimates only — not a Loan Estimate, approval, or rate lock. APR shown; Estimated P&I excludes taxes, insurance, HOA & MI.
Assumptions & disclosures
- Estimates only. Not a Loan Estimate, not an approval, not a commitment to lend, not a rate lock.
- Subject to credit, income, property, occupancy, loan amount, lock period, market movement, and underwriting.
- Final rate, APR, payment, and cash-to-close depend on verified credit, income, assets, property, loan program, lock date, lender conditions, and actual third-party fees.
- Estimated P&I excludes taxes, insurance, HOA, and any mortgage insurance.
Selected path
- Path
- Balanced Path
- Note rate
- 6.250%
- APR
- 6.294%
- Estimated P&I
- $3,463/mo
- Points / credit
- Near par
Scenario assumptions
- Purchase price
- $750,000
- Down payment
- 25% ($187,500)
- Loan amount
- $562,500
- LTV
- 75%
- Credit score
- 780+ FICO
- Occupancy
- Primary residence
- Property type
- Single-family
- Loan term
- 30-year fixed conventional
HOW IT WORKS
One command center. Every answer before you apply.
The console isn't decoration — it's the product. Pick a mode, get real numbers, and find your next step. No full application to explore.
Search Rates
Three honest rate paths for your scenario — rate, APR, and Estimated P&I side by side.
Pre-Approval
A scenario-first path to a stronger, more credible approval before you shop.
Loan Options
Conventional, FHA, VA, Jumbo, Bank statement, and Investment/DSCR — who each one fits.
Ask anything
Browse real mortgage questions and answers — no full application.
THE EXPERT BEHIND THE CONSOLE
Built by a mortgage expert. Not a call center.
The command center is fast, but the intelligence behind it is human. Every rate path, document checklist, and loan-option comparison reflects how a licensed Florida broker actually structures a file — so what you see online matches what closes.
25+ years of experienceCertified Mortgage AdvisorNMLS 186790WFTV Channel 9 — Home ExpertsOrlando Magazine
CLIENT STORIES
Real Florida files, structured to fit.
Real client scenarios — not stock testimonials. See verified reviews on each platform.
VA · downsizing
A longtime homeowner downsizing after 40 years in the same home. Shahram helped structure the VA financing and real estate move with a focus on timing, payment comfort, and keeping closing costs controlled.
Move-up · payment strategy
Move-up buyers purchasing their next home while keeping their prior home as a rental. Shahram helped structure the mortgage around payment comfort, timing the rate lock, and using a seller contribution toward a rate buydown.
PROOF
Recognized across Orlando — and accountable by license.
Real credentials and media recognition — no invented metrics.
WFTV Channel 9Featured — Home ExpertsOrlando MagazineRecognizedCertified Mortgage AdvisorCredentialed designationNMLS 186790Licensed & accountable
25+ years advising Florida borrowers.
YOUR NEXT MORTGAGE STEP
Find your mortgage path in the next 10 seconds.
Search rates, check pre-approval steps, or compare loan options — no call center, no rate bait, no full application to explore.
The Mortgage Expert · NMLS 2412313 · Equal Housing Opportunity.
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