About Shahram Sondi
Mortgage strategy, not a call center script.
I'm Shahram Sondi, the Florida mortgage broker-owner behind The Mortgage Expert. I help borrowers understand the complete mortgage structure — rate, points, payment, cash to close, and the tradeoffs behind them — instead of selling a headline rate.
Mortgage originator since 2001 · Certified Mortgage Advisor™ · NMLS 186790 · Licensed Florida real estate broker
01 / How I work
Rate strategy is only half the job.
A great rate doesn't mean much if the loan falls apart. My job is to price the complete structure, structure the file correctly, and get the deal closed.
Price the complete structure
Wholesale access, the same scenario priced three ways — lower rate, balanced, lender credit — so you can see the full picture before you commit.
Structure the file
DTI, LTV, reserves, mortgage insurance, lock window. Most rate problems are really structure problems — we line up the file before we lock the price.
Oversee the loan through closing
Document staging, condo warrantability, appraisal posture, insurance binder, conditions cleared. I personally see the file through to the closing table.
What “compare” actually means here: every option is weighed on rate, APR, points or lender credit, monthly payment, cash needed to close, and the important tradeoffs between them — not a single headline number.
02 / Direct line
You deal with me directly.
You're not calling an 800 number and you're not getting passed from a salesperson to a processor to someone you've never met. I take the scenario, I price it, I structure the file, and I'm the one answering when the appraisal or the insurance binder needs a decision.
The team behind the file is small on purpose — fewer handoffs, fewer chances for a detail to fall through a gap. That direct accountability is the whole point.
From Shahram
“No BS. No games. If I think I have the right option, I'll show you why. If I think another lender or bank may be better for your file, I'll tell you.”
Shahram Sondi
NMLS 186790 · Florida MBR5733
03 / Credentials
Verifiable, on the record.
- Florida mortgage broker-owner
- Shahram SondiNMLS 186790
- Mortgage Expert, Inc.NMLS 2412313
- Florida mortgage broker licenseMBR5733
- Certified Mortgage Advisor™
- Mortgage originator since 2001
- 25+ years in mortgages
- Licensed Florida real estate broker
- Serves borrowers throughout Florida
- Orlando & Central Florida expertise
Search NMLS Consumer Access for Shahram Sondi using NMLS 186790. Holding both a mortgage and a Florida real estate broker license means practical, first-hand experience with contracts, appraisals, insurance, property issues, and transaction deadlines — it is not legal, appraisal, or insurance advice, and Shahram is not acting as your real-estate agent on the transaction.
04 / Recognized
Not just my word for it.
Local television
WFTV Channel 9 Home Expert
Shahram Sondi is a WFTV Channel 9 Home Expert.
See the WFTV pageClient reviews
400+ Google & Zillow reviews
Real borrowers, across Google and Zillow. Read the reviews.
GoogleZillow05 / Let's talk
Ask the question. Get the straight answer.
Tell me your scenario and I'll tell you what I'm seeing. No application fee, no credit pull, and no long form just to get a straight answer.
NO APPLICATION · NO CREDIT PULL · NO PRESSUREDirect line
Office
Orlando, FL · serves all of Florida
Licensing
NMLS 186790 · Company NMLS 2412313 · Florida MBR5733
Equal Housing Opportunity
Estimates only. Not a Loan Estimate, not an approval, not a commitment to lend, not a rate lock. Final terms depend on verified credit, income, assets, property, loan program, lock date, lender conditions, and actual third-party fees. The Mortgage Expert · NMLS 2412313 · Equal Housing Opportunity.