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The Mortgage Expert
Contact · Orlando

Ask me anything.

Questions about buying, refinancing, comparing loan options, or figuring out what makes sense? Send me the scenario and I will reply directly. No application required. No credit pull to start.

Quick question
Ask Me a quick question

One sentence is enough. I will reply directly.

Scenario
Tell me my scenario

Describe what you're looking at — buying or refinancing — and I'll review the structure.

Custom quote request
Request a custom quote

Send the basic numbers and I'll send back a planning estimate. Not a Loan Estimate.

Pre-approval
Start pre-approval

Begin the pre-approval review. Verification and credit authorization may be required.

Pre-approval requires verification and may require credit authorization. Not approval. Not a commitment to lend.

Direct

Or reach me the old-fashioned way.

Call, text, or email — they all reach me directly.

Call me

(407) 906-6414

Calls and texts both work. I respond when awake.

Text me

(407) 906-6414

A short message with the rough scenario gets a fast reply.

Email me

sondi@mortgageexpert.com

Best for sharing scenarios, files, or detailed questions.

Office

450 S Orange Ave

3rd Floor, Suite 379

Orlando, FL 32801

By appointment only — most conversations happen by phone or video.

Hours

Most calls and texts get a same-day reply. After-hours messages are answered the next morning.

Licensing

Shahram Sondi · NMLS 186790. The Mortgage Expert · NMLS 2412313. Florida MBR5733. Licensed statewide in Florida. Equal Housing Opportunity.
What happens next

Three steps after you send the scenario.

No application required to start. No pressure to choose a loan or a timeline on the first call.

1. Send me the scenario

A sentence is enough. The Ask Me form takes ~30 seconds and goes directly to me.

2. I review the structure

Goal, payment, cash to close, points, lender credits, MI, total cost, and approval risk. Same-day review for most files.

3. I tell you the clean next step

If applying makes sense, I tell you. If waiting or restructuring is smarter, I tell you that too. No teaser-rate games.
Before you reach out

Optional reading

About ShahramCredentials, track record, and how I work.What to expect when you callHow a strategy conversation actually runs.Run My StrategyThe full guided flow — answers a few questions and gives the clean next step.Loan options explainedSide-by-side overview of every loan type I work with.Florida mortgage ratesPricing-lane planning hub — same loan, three structures.Mortgage broker OrlandoHow a wholesale broker compares to going lender-direct.Pre-approval in OrlandoWhat pre-approval actually proves and what to send.First-time homebuyer OrlandoIncome limits, price caps, and DPA.

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.