About Shahram Sondi | Orlando Mortgage Broker
Featured mortgage expert on WFTV Channel 9
I’m Shahram Sondi. I’m both a mortgage broker and a real estate broker. That gives you a 360-degree view of the transaction—financing and the real-world purchase process—from one person who understands both sides. I shop multiple lenders so you get real options, not one bank’s menu. No application fee. No upfront broker fee. I get paid when your loan closes. Strategy first, rate bait never.
I work directly with every client. I handle your file start to finish. I’m not a call center and I’m not a team—you get me. This page is here so you know who you’re working with and why it’s different.
The numbers
Experience and volume matter. Here’s what’s behind the guidance.
25+ years
In mortgage and real estate. Multiple rate cycles, guideline shifts, and every type of file. That depth is why the advice is clear and the execution is steady.
2,500+ loans
Originated. Purchase, refinance, conventional, FHA, VA, jumbo. Straightforward and complex. Each one gets the same focus—no handoffs, no scripts.
$500M+ volume
Closed. That’s real execution at scale. Your loan is handled the same way: one person, start to finish, accountable to the end.
Holding both a mortgage broker and real estate broker license is unusual. It means I can guide you through financing and the actual home purchase—contracts, timelines, and how the two sides fit together—without the gaps that happen when loan and sale are handled in silos.
A different model
I’m a broker, not a bank. That changes everything about how you’re served and how I’m paid.
I shop lenders
I have access to multiple wholesale lenders. You see options and pricing from more than one source—not one bank’s product set.
I work for you
My job is to find the right loan for your situation. I’m not incentivized to push one lender’s product. I’m incentivized to get you to the table with a deal that fits.
No upfront fees
No application fee. No upfront broker fee. I get paid when your loan closes. If we don’t close, you don’t pay me. That keeps our interests aligned.
You’re not tied to one bank. I’m not tied to one lender. We find the best fit for your file.
How I work
I don’t start with a rate quote. I start with your situation. Then we build from there.
Strategy first
Goal, timeline, cash to close, risk tolerance. We get clear on what you need before we talk programs or price.
Then structure
Which program fits—conventional, FHA, VA, or something else. Down payment, reserves, and how the file will underwrite.
Then pricing
We compare real options across lenders. Payment, APR, points, lender credit. You see the tradeoffs in plain language.
Then execution
Conditions, documents, timelines. I manage the file through underwriting and closing so you get the deal we planned for.
Personal approach
I run a one-person operation. You work with me—not a team, not a call center, not a processor who’s never seen your file. I handle your loan start to finish.
Buying a home is stressful. First home or tenth, there are too many moving parts and too much emotion. Where I shine is communication and availability. If I’m awake, I’m answering. Calls, texts, evenings, weekends. You deserve someone who explains clearly, answers directly, and doesn’t disappear when things get busy.
I’m not a big lender with layers and scripted service. I’m a broker who works directly with clients and stays accountable from first conversation to closing.
One point of contact. Me. From strategy through closing. If you need to talk, we talk.
Pricing truth
Broker pricing is often better—sometimes a quarter to a half point lower than what you’d see at a bank or big retail lender. Wholesale rates and fewer overhead layers explain a lot of that. But the rate is only part of the story.
The lowest rate is not always the best move. Sometimes a lender credit is smarter—you take a slightly higher rate and get cash back at closing. Sometimes the lowest payment matters most. Sometimes you need to optimize for cash to close or for a specific timeline. The right mortgage strategy depends on your cash, your goals, and your timeline. My job is to show you the real tradeoffs so you can choose—not to sell you the product that pays the most.
I explain the numbers. You decide. No pressure, no rate bait.
Local expertise
I’m based in Orlando and work across Central Florida. Florida deals aren’t generic. Insurance, condos, and local underwriting quirks change outcomes. I know this market.
Insurance and wind
Florida insurance swings affect approval, escrow, and payment. Lenders handle it differently. I know which ones work in this market and how to structure the file.
Condo and HOA
Condo warrantability, HOA reserves, CDD, new construction—rules vary by project and lender. Getting it wrong kills deals. I get it right before you’re under contract.
Speed and execution
I close fast—often 14 to 21 days when the file is clean. I know local title, appraisal turn times, and how Orlando-area contracts move. Your loan keeps pace.
Reviews and reputation
Most of my business comes from past clients, referrals, and people who value honest advice and strong communication. I don’t buy reviews—I earn them. That only happens when the experience and the outcome are real.
Reviews consistently highlight responsiveness and how personally involved I am. No runaround, no disappearing act. I’m a WFTV Channel 9 Home Expert and a Certified Mortgage Advisor. The credentials matter, but what matters more is that people trust me with one of the biggest financial decisions they’ll make. I take that seriously.
What clients say about working with me
Most of my business comes from repeat clients and referrals. Here’s what a few of them say.
As first time homebuyers we knew very little about the process. Shahram made everything manageable, explained every step clearly, and helped us understand how to get the best value for our mortgage.
Brianna Koenig · First Time Buyer
From our first conversation we knew we were in good hands. Shahram stayed organized, communicated constantly, and coordinated everything with our team to make the entire process smooth.
Mikkele Woodruff · Home Purchase
Shahram did a fantastic job on our mortgage. He was extremely communicative, answered every question clearly, and made the process simple from start to finish.
Jeremy Eaton · Home Purchase
Learn more and compare your options
If you want to go deeper, start with the pages below. Compare rates, review loan options, and understand how different mortgage structures affect payment, cash to close, and long term cost.
Florida Mortgage Rate Tool
Compare real mortgage scenarios side by side, including points, lender credits, APR, and cash to close.
Today’s Rates
See current mortgage rate scenarios and understand how payment planning works in today’s market.
FHA Loans
Review FHA down payment options, mortgage insurance, and when FHA may be the right fit.
Conventional Loans
Understand conventional loan structure, lower mortgage insurance potential, and qualification tradeoffs.
VA Loans
See how VA financing works, including zero down options and the benefits available to eligible veterans.
Get your strategy before you commit
A mortgage is too important and too expensive to figure out on the fly. Get a clear strategy—your numbers, your options, your cash to close—before you lock a rate or sign a contract.
Planning only. Final terms depend on underwriting, appraisal, title, and market conditions.