Quick Quote · Florida
Get a quick quote.
Tell me what you’re trying to do and I’ll give you a real read. No application fee. No credit pull just to get a basic read. No pressure.
- No application
- No credit pull
- No pressure
- Usually reply within minutes during business hours
Shahram Sondi · NMLS 186790 · The Mortgage Expert · Company NMLS 2412313 · Florida MBR5733
Tell me what you're working with — rough is fine.
Six lines is plenty. The more accurate the inputs, the more useful the read — but soft estimates work for a first pass.
Purchase price or estimated value
Rough range is fine. For a refinance, an honest current value beats a flattering one — it sets the math up cleanly.
Down payment or equity
Dollar amount or percent. If you're juggling 3.5% vs 5% vs 10%, just say so — I'll model them together.
Credit score range
A rough band (e.g., low-700s, mid-600s) is enough. Soft estimates are fine — pricing is directional at this stage.
Loan type if known
Conventional, FHA, VA, jumbo, DSCR — or "not sure yet." If you don't know, I'll suggest what the file probably fits.
Occupancy and property city
Primary, second home, or investment — and which Florida city or county. Insurance, taxes, HOA, and CDD all key off this.
Timing
Closing date, lock window, or "just planning." Reply pace and structure both depend on which one you're in.
From your sentence to a real read.
I read the scenario
Usually within minutes during business hours. I look at file shape, pricing direction, structure tradeoffs, and which loan type fits cleanest.
I check loan fit and pricing direction
Conventional vs FHA vs VA vs jumbo vs DSCR — directional pricing across structures (points / par / lender credit) so the comparison is real.
I reply with the cleanest next step
Sometimes that's a rate-tool run, sometimes a pre-approval start, sometimes "wait three months and fix X first." Whatever the file says.