Shahram Sondi · Mortgage Expert
I’m the person behind the advice.
I’ve been originating mortgages since 2001. I explain the options, compare the complete cost and stay involved with the file. You should understand your mortgage before you commit to it.
Shahram Sondi Certified Mortgage Advisor™ · Since 2001
01 / 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.
Price the complete loan
Wholesale access, the same loan details priced three ways — lower rate, balanced, lender credit — so you can see the full picture before you commit.
Prepare the file
DTI, LTV, reserves, mortgage insurance, lock window. Most rate problems are really problems with the loan terms — 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. The guide to using a mortgage broker explains how that comparison model differs from a single-lender channel.
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 review your details, I price it, I prepare 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.
See what to expect when you call and why borrowers choose Mortgage Expert for a closer look at the working relationship.
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.
Professional credential
Certified Mortgage Advisor™
Shahram Sondi is a Certified Mortgage Advisor™.
Client reviews
Google & Zillow client reviews
Real borrowers, across Google and Zillow. Read the reviews.
GoogleZillow05 / 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.