Orlando mortgage broker · Mortgage strategist

About Shahram Sondi.

Mortgage broker, real estate broker, and Certified Mortgage Advisor™ helping Florida buyers and homeowners compare the real tradeoffs before they apply. I have been originating loans since 2000. The work is structure first — payment, cash to close, points, lender credits, mortgage insurance, total cost, and approval risk — then pricing.

Run My Strategy

No application required. No upfront broker fee. No credit pull to start.

Your broker

Shahram Sondi

Mortgage Expert • Orlando

NMLS 186790

Credentials

The license stack behind the advice.

Originating loans since 2000

25+ years across multiple rate cycles, guideline shifts, and every type of file.

Certified Mortgage Advisor™

Strategic mortgage guidance — structure first, then pricing.

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Mortgage broker · Real estate broker

Both licenses, one point of contact. Florida MBR5733 · BK3225742 · NMLS 186790.

WFTV Channel 9 Home Experts

Featured local mortgage expert.

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Orlando Magazine

Named a Top Mortgage Professional in Orlando.

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The Mortgage Expert · NMLS 2412313

Mortgage Expert, Inc. dba The Mortgage Expert. Licensed statewide in Florida.

How I work

The way I look at a mortgage is different.

I don't start with rate bait. I start with structure — then I tell you what makes sense and what doesn't.

1. Structure first, not rate

Goal, timeline, cash to close, risk tolerance, and which program fits before we talk about price. Most rate problems are really structure problems.

2. Compare the real tradeoffs

Payment, APR, cash to close, points, lender credits, MI, total cost, and approval risk. Same loan can be priced three ways. I show you the tradeoff in plain English.

3. Underwriting reality

Florida insurance swings, condo warrantability, HOA reserves, CDD, credit tier, LTV, and reserves all move the file. I flag what could break before you go under contract.

4. The clean next step

If applying makes sense, I tell you. If waiting or restructuring is smarter, I tell you that too. I am not trying to be everyone's lender. I am trying to be the right advisor for people who want clarity.

Media · Authority

Seen on local media. Built for real mortgage decisions.

Local outlets call when they need a plain-English mortgage explanation. The press itself is not an endorsement of any product — it is recognition that the analysis is sound.

WFTV Channel 9 Home Experts

Featured local mortgage expert on WFTV's Home Experts platform. WFTV does not endorse loan products.

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WESH — Florida starter home pressure

Interviewed as a local mortgage expert on Orlando housing affordability and the squeeze on starter homes.

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Orlando Magazine — Top Mortgage Professional

Named a Top Mortgage Professional in Orlando by Orlando Magazine.

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Reputation

Read the real reviews — Google and Zillow.

Most of the work comes from repeat clients and referrals. Verify what past clients said on either platform — both review profiles are public.

Google Business Profile

400+ reviews on the verified Google Business Profile for The Mortgage Expert in Orlando.

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Zillow lender profile

Reviews and rate quotes on the Zillow lender profile for The Mortgage Expert.

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Strategy first · No application required

Want me to look at your scenario?

Send the scenario, ask me a question, or run the numbers first. Whichever feels easiest — they all reach me directly.

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Next reads

Plan the next decision

ContactPhone, text, email — and the fastest way to send me a scenario.Why clients choose The Mortgage ExpertClarity over pressure. Execution over promises.Mortgage broker OrlandoHow a wholesale broker compares to going lender-direct.What to expect when you callHow a strategy conversation actually runs.Loan options explainedSide-by-side overview of every loan type I work with.Florida mortgage ratesPricing-lane planning hub — same loan, three structures.Pre-approval in OrlandoWhat pre-approval actually proves and what to send to make it strong.First-time homebuyer OrlandoIncome limits, price caps, and DPA — how Orlando programs really work.

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.