Contact Shahram
Ask the question. Get the straight answer.
Tell me what you're trying to do — buy, refinance, compare rates, lower cash to close, or figure out if your file can work. I'll tell you what I'm seeing and what makes sense.
Start the way you prefer.
What to send me.
None of this is required — a one-line message is enough. But if you have these handy, the first reply lands faster and more useful.
- Purchase price or estimated value
- Down payment or equity
- Credit score range
- Loan type if known
- Property city
- Whether you’re W2, self-employed, retired, or investing
- What you’re trying to solve: lowest payment, lowest cash to close, approval, refinance, or rate comparison
“Buying around $500k in Orlando, 10% down, 720 credit, W2 income. Want to compare conventional vs FHA and see cash to close.”
Send that, and the first reply lands with a quick view of the tradeoffs and the cleanest next step.
Prefer to type it in a form?
Two structured paths that route the scenario directly to me. Same destination, slightly different shape.
Short form. I send back a planning estimate with rate, APR, payment, points, and lender credit at equal weight. Not a Loan Estimate.
Type the full question in plain English. I reply directly with what I’m seeing and the cleanest next step.
Want me to look at it?
Send the basics and I'll tell you the cleanest next step.
Educational planning only. Not a Loan Estimate, not an approval, not a commitment to lend, not a rate lock. By contacting me you agree to be contacted about your request; message and data rates may apply. 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. The Mortgage Expert · NMLS 2412313 · Equal Housing Opportunity.