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Shahram Sondi, Florida mortgage broker-owner, arms crossed in a Mortgage Expert polo against a charcoal studio backdrop

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.

Serving borrowers throughout Florida, with deep Orlando and Central Florida expertise.

Check Today’s RatesGet My Same-Day Pre-Approval
  • 400+ Client Reviews
  • WFTV Channel 9 Home Expert

Two ways in

Where do you want to start?

Know your real numbers, then get pre-approved — fast.

Understand My NumbersEstimate principal & interest, buying power, and cash needed.Get My Same-Day Pre-ApprovalStraight to Shahram — no call center.

See today’s real numbers, then check any lender quote against them.

View Today’s RatesReal rate, APR, points, and monthly payment.

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.

Estimated principal & interest$2,502/mo

Principal and interest only. Property taxes, homeowners insurance, HOA dues, and mortgage insurance are not included unless added.

  • Principal & interest$2,502
  • Property taxes (allowance)$490
  • Homeowners insurance (allowance)$200
  • Estimated total housing payment$3,192/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.

Estimated buying power$470,000

Actual qualification depends on verified income, debts, credit, assets, property, and program requirements.

Estimated cash needed$104,124

Planning range $103,403–$105,206, depending on your closing date.

  • Down payment$94,000
  • Estimated closing costs$5,093
  • Estimated prepaids & escrow$5,550
  • Lender credit−$519
  • Estimated cash needed$104,124
Based on these assumptions
  • Conventional · 30-year fixed
  • Primary residence · Single-family home
  • 20% down · 740–759 credit
  • Taxes $5,875/yr · insurance $2,400/yr (allowances)
  • Rate 7.000% · APR 7.063% · Lender credit 0.138% ($519)
  • Florida · 30-day lock · rates as of 07/24/2026

Proposed changes — nothing updates until you choose See Updated Results.

Loan structure

Rate lock30-day lock (fixed)

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. No sales handoff. You work directly with 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.

  1. Strategy

    I compare the full structure—rate, payment, cash needed, lender costs, and trade-offs.

  2. Same-Day Pre-Approval*

    I prepare the file early, establish the buying range, and help you get ready to make an offer.

  3. Loan Structuring

    I compare the program and lender, manage the details, and stay involved through underwriting.

  4. Closing

    I stay accountable, solve problems, and see the loan through to the closing table.

Shahram Sondi, mortgage broker, wearing glasses and pointing
Shahram Sondi · Florida broker-owner
400+Client Reviews
Orlando Magazine 2026Ranked #1 Individual Mortgage Lender
As seen on
  • 25+ years in mortgages
  • Mortgage originator since 2001
  • Certified Mortgage Advisor
  • Licensed Florida real estate broker
Selected verified Google reviews

“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 Review

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 reviewed by Shahram · No hard credit pull required for a quote · No application fee

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.

  1. 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.

  2. Know your cash

    Plan for the down payment, buyer-side closing costs, prepaids, and escrow—not just the price on the listing.

  3. 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.

Loan Fit

Start with your situation.
Not the loan name.

Credit, income, down payment, property, and goal decide which mortgage programs are worth comparing. Choose what sounds closest and see the lanes that may fit.

A starting point—not an eligibility decision. Shahram reviews the complete file before recommending a program.

Swipe to compare lanes

  1. Conventional

    May fit whenYou have documentable income, stronger credit, and want flexible down-payment or PMI options.

    Compare carefullyCredit tier, PMI, property type, occupancy, and long-term cost.

    Explore Conventional

  2. FHA

    May fit whenYou need a lower down payment or more credit and debt-to-income flexibility.

    Compare carefullyUpfront and monthly mortgage insurance, property requirements, and long-term cost.

    Explore FHA

  3. VA

    May fit whenYou are an eligible veteran or service member and want to compare the zero-down path.

    Compare carefullyEligibility, entitlement, funding fee, property standards, and seller expectations.

    Explore VA

  4. Jumbo

    May fit whenThe loan amount exceeds the applicable conforming limit or the property needs a nonconforming structure.

    Compare carefullyLender-specific credit, reserves, property rules, and pricing.

    Explore Jumbo

  5. Self-Employed / Bank Statement

    May fit whenTax-return income does not tell the full story of a stable business or 1099 profile.

    Compare carefullyUsable net income, business history, deposits, expenses, reserves, and alternative-documentation cost.

  6. Investor / DSCR

    May fit whenThe rental property’s cash flow is more relevant than personal qualifying income.

    Compare carefullyRent coverage, property cash flow, reserves, prepayment terms, and investor pricing.

    Explore Investor / DSCR

  7. Physician

    May fit whenSpecialized options are available for an eligible medical professional’s scenario.

    Compare carefullyProgram availability and lender guidelines vary; the full income, debt, down-payment, and property structure must be reviewed.

  8. USDA

    May fit whenThe primary home is in an eligible area and borrower income meets current program limits.

    Compare carefullyProperty location, household-income limits, occupancy, fees, and program eligibility.

Explore all loan options

Program availability, eligibility, pricing, and underwriting depend on the complete borrower, property, and loan scenario.

Refinancing?

Lower payment? Pay off sooner? Need cash?

I’ll show you whether the numbers actually make sense.

Review My Refinance

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.

Florida pricing snapshot
$750,000 home25% down780–799 FICO
Rate6.250%
APR6.426%
Payment$3,463/mo
Points / credit1.372 pts
Loan amount$562,500

Updated: rate 6.250%, APR 6.426%, payment $3,463/mo.

  • 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.

Florida pricing snapshot
$400,000 home3.5% down680–699 FICO
Rate5.875%
APR6.937%
Payment$2,323/mo
Points / credit1.425 pts
Loan amount$386,000

Updated: rate 5.875%, APR 6.937%, payment $2,323/mo.

  • 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.

Florida pricing snapshot
$500,000 home0% down680–699 FICO
Rate5.750%
APR6.170%
Payment$2,981/mo
Points / credit1.872 pts
Loan amount$500,000

Updated: rate 5.750%, APR 6.170%, payment $2,981/mo.

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 Reviews

  1. Real 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 Reviews
  2. The 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 Review
  3. The 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 Review
  4. The 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 Review
  5. The 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 Review
  6. The 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.

Direct to ShahramReady for your scenario
Tell me whether you’re buying, refinancing, comparing a quote, or planning your next move.

This is not a mortgage application. Your message goes directly to Shahram—not a call center.

Your information stays private. By submitting, you agree that a Mortgage Expert may contact you about your scenario. Privacy Policy · Terms of Use

Important Disclosures

Same-day service is available when sufficient information is received during normal business hours, generally Monday through Friday, 9:00 a.m.–5:00 p.m. Eastern Time. Pre-approval remains subject to review and qualification. Personalized quotes are estimates and remain subject to verification.