2024
Orlando Magazine
2024 Top Mortgage Professionals
Shahram Sondi appears on the publication’s peer-voted and researched Orlando list.
View the 2024 listShahram Sondi · Mortgage Expert
I’m the personbehind the advice.
I’ve been originating mortgages since 2001. I compare the complete cost, explain the tradeoffs, and stay involved with your file through closing.
One experienced point of contact—from the first numbers to the closing table.
Since 2001Originating mortgages
Two licensesMortgage + real estate broker
2024 · 2026Orlando Magazine recognition
Direct accessYou work with Shahram
01 / Why I price it lean
A lean margin is part of the service.
I built Mortgage Expert to run lean because a borrower shouldn’t have to fund layers of corporate overhead to get experienced advice.
My goal is not to make the most I can on one transaction. It is to price aggressively, do the work well, and become the person you call again—or refer to someone you care about.
That doesn’t mean every loan is automatically the cheapest. Credit, property, timing, and lender rules still matter. It means I’ll show you the complete numbers and tell you when another option is better.
01Keep the operation lean
Fewer layers and purposeful overhead leave more room to price competitively.
02Compare the complete deal
Rate, APR, points or credit, payment, and cash to close belong side by side.
03Earn the next call
The long-term business is the relationship, not squeezing the most from one loan.
02 / How I work
Rate comparison is only half the job.
A great rate doesn’t mean much if the loan falls apart. My job is to price the complete loan, prepare the file correctly, and get the deal closed.
01
Price the complete loan
Wholesale access, the same loan details priced three ways—lower rate, balanced, and lender credit—so you see the full picture before you commit.
02
Prepare the file
DTI, LTV, reserves, mortgage insurance, and the lock window. We line up the file before we lock the price.
03
Oversee it through closing
Documents, appraisal, insurance, and conditions cleared. I personally see the file through to the closing table.
What “compare” means here: every option is weighed on rate, APR, points or lender credit, monthly payment, cash needed to close, and the meaningful tradeoffs between them. The guide to using a mortgage broker explains how that differs from a single-lender channel.
03 / Direct line
You deal with me directly.
You’re not calling an 800 number or getting passed from a salesperson to people you’ve never met. I review your details, price the options, prepare the file, and answer when the appraisal or insurance binder needs a decision.
The team behind the file is small on purpose—fewer handoffs and fewer places for a detail to get lost. Direct accountability is the point.
See what to expect when you call and why borrowers choose Mortgage Expert.
From Shahram
“No BS. No games. If I think I have the right option, I’ll show you why. If another lender or bank may be better for your file, I’ll tell you.”
Shahram Sondi
NMLS 186790 · Florida MBR5733
04 / 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 mortgage and Florida real estate broker licenses provides practical, first-hand familiarity with contracts, appraisals, insurance, property issues, and transaction deadlines. Shahram is not acting as your real estate agent on the mortgage transaction.
05 / Independent proof
Recognition you can verify.
Awards and profiles should be easy to check. These links go to the original publication or public business profile.
2026
Orlando Magazine
“Mortgage Lender – Individual” category
Recognized in the publication’s 2026 Home Design Awards.
View the 2026 listA+
BBB public profile
Accredited business
Review Mortgage Expert’s current accreditation, rating, complaint information, and public client feedback directly.
View the BBB profile06 / Client perspective
Service should speak for itself.
Two verified Google reviews already featured on Mortgage Expert. Read more on the independent platforms below.
“I contacted Shahram on a Sunday morning at 8AM, and 10 minutes later he contacted me and we got the ball rolling.”
“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.”
07 / Let’s talk
Let’s talk through your mortgage.
Tell me what you’re considering 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. Mortgage Expert, Inc. · NMLS 2412313 · Equal Housing Opportunity.