Talk through your budget.
Start with the payment that fits your life. We can discuss a rough range before you choose a home.
Orlando mortgage broker
Your Orlando mortgage broker.
A clear next step.
Buying a home comes with big questions. Work with Shahram Sondi to sort out your loan choices, full payment, and cash needed to close.
Meet in Orlando by appointment, or work by phone and secure upload. You have a direct contact from your first question through closing.
No application or hard credit check is needed for the first chat. A preapproval is a separate review of your credit and key documents. We ask for your permission before checking credit.
Want to explore first? See Orlando rates →
01 / Start where you are
You bring the questions.We help sort out the next step.
You do not need to pick a loan or find a home first. A rough idea of your plans is enough to start.
See which loans to explore.
Learn how your cash, credit, income, and plans affect your choices. Ask how each loan works and what it may cost.
Know what to do next.
Your next step may be to seek a preapproval, compare quotes, or build your savings. You can ask questions before you decide.
Keep private files safe. Use the secure upload link we give you for tax returns, bank records, and ID. Do not send those files by text or regular email.
02 / Choose how we meet
Local help.
Room for your schedule.
Choose the way you want to work. You can ask questions and review the numbers without a trip to the office.
Meet in Orlando.
Sit down with Shahram to talk through your loan and costs. Call or text first to set a time.
450 S Orange Ave3rd Floor, Suite 379
Orlando, FL 32801
Office meetings are by appointment.
Ask about a meeting →Skip the drive.
Use phone calls and secure upload to move through the loan steps. Text or email for simple questions. Keep private files in the secure portal.
Your title company or closing agent will explain how and where you can sign at closing.
Talk through your plans →Buying elsewhere in Florida? Mortgage Expert helps buyers and homeowners across the state. Explore our Florida mortgage help.
03 / Found a home?
Check the address.
Then check the full cost.
Two homes at the same price can cost different amounts each month. Send the address and listing so we can review the costs tied to that home.
- 01
Property taxes
Check the current bill and what may change when you buy. The seller’s tax bill may not be your future bill.
- 02
Home and flood insurance
Get a quote for the home. Check if the loan needs flood coverage, too.
- 03
Dues and other charges
Ask about homeowners association (HOA) or condo dues and extra charges. Some homes have a community development district (CDD) charge for shared roads and services. Check how it is billed.
- 04
The home itself
The roof, home’s condition, and condo rules can affect which loans fit. An appraisal helps the lender check the home’s value.
- 05
Cash needed to close
Review your down payment and closing costs. Check for money needed upfront for taxes and insurance.
Early figures are estimates. Final costs depend on the home, loan review, third-party quotes, and closing documents. You choose where to live. We review the home’s financing facts, not neighborhood rankings.
04 / Know who is helping you
A name you can reach.Details you can check.
You should know who handles your loan and how to reach them. Here are a few ways to learn about Shahram and Mortgage Expert.
Experience that starts with listening.
Shahram has worked on mortgages since 2001 and is a Certified Mortgage Advisor™.
Meet Shahram →Read what clients say.
See client feedback. Look for the things that matter to you, like clear answers and help along the way.
Read client reviews →Check the public records.
Look up Shahram Sondi, NMLS 186790, and Mortgage Expert, Inc., NMLS 2412313.
Shahram’s NMLS record ↗Company NMLS record ↗
WESH 2 News · September 24, 2026Watch Shahram discuss rising mortgage rates with WESH 2. You can also see his listing in Orlando Magazine’s 2024 mortgage professionals list.
Watch the interview ↗05 / Keep exploring
Find the answer you need next.
Start with the step you are on. You do not need to read every guide.
Buying your first home?
Learn the steps, costs, and questions to ask as an Orlando buyer.
Read the first-home guide →Ready to shop for a home?
See what a preapproval reviews and what you may need to provide.
Understand preapproval →Have more than one quote?
Compare the full loan costs and ask how each offer was priced.
Compare Orlando lenders →Thinking of a new loan?
Weigh the costs of a refinance against what it could do for you.
Explore a refinance →06 / Clear answers
Questions about working with a broker.
Still unsure about something? Ask Shahram.
What does an Orlando mortgage broker do?
A broker helps you find loan choices from lenders they work with. The lender provides the money and makes the loan decision. Mortgage Expert is a broker, not a lender. We help you compare choices and guide you through the steps. Read the CFPB’s explanation.
How much does a mortgage broker cost?
There is no one fee for every loan. A broker may be paid by you or by the lender. Ask who pays, how much, and how that affects the rate and total cost. Do not assume lender-paid means the loan has no costs. Learn how brokers get paid.
Do I need a broker based in Orlando?
No. A mortgage professional licensed to help with Florida loans can work with you from a distance. A local office gives you the choice to meet. Compare the service and loan terms, too.
Can I meet with Shahram in person?
Yes, by appointment. Call or text to arrange a meeting at 450 S Orange Ave, 3rd Floor, Suite 379, Orlando, FL 32801. Use the secure upload portal for private files.
Can I handle the loan from home?
You can apply, share files through secure upload, and talk through the loan from home. The title company or closing agent will explain your signing options. Ask about those steps early if you will be out of town.
Will the first call affect my credit?
The first chat does not need an application or hard credit check. A formal preapproval is a separate review of your credit and key documents. We ask for your permission before checking credit. A chat alone is not an approval.
What should I send when I find a home?
Send the address and listing link. We can review taxes, insurance, dues, and the type of home. That helps us update the estimated payment and cash needed to close. Final figures still need to be checked.
Do you help choose a neighborhood?
You choose where to live, with help from your real estate agent if you wish. We review loan facts about the home you choose. We do not rank neighborhoods or suggest where you should live.
Who takes my payments after closing?
Your loan servicer takes the payments and sends your statements. It may be a different company from your lender, and it can change. Check your loan documents and any transfer notice for where to pay. Learn about loan servicers.
Are Orlando home loans different from other Florida loans?
The main loan types are generally the same across Florida. Each home has its own costs and rules. Taxes, insurance, dues, the home’s condition, and condo rules can affect the loan and your budget.
07 / Let’s talk
One question is a good place to start.
Tell Shahram what you hope to do. Get help with the next step, whether you are ready to buy or just starting to look.
A first chat is not a loan application, approval, or permission to pull credit. Office meetings are by appointment.
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.