NMLS 2412313Buying your first home?
Shopping for a better mortgage deal?
I’m Shahram. You can see my rates and costs before we talk. When you’re ready, I can walk you through your options.
See pricing without a form. No name, email or phone required.
You can talk directly with me.Shahram Sondi · NMLS 186790Tell me what you’re hoping to buy. I can walk you through the payment, the money you’ll need saved and your loan options, one step at a time.
Help me get started You can ask questions before you’re ready to apply. The button opens a text you can edit.You can see my rates, payments and estimated closing costs without giving me your contact information. Already have a quote? Let’s compare the full deal.
Show me your rates No name, email or phone required to explore the numbers.Want a lower monthly payment, or less to pay upfront? Let’s look at both. You can compare the numbers here, then ask me what would make sense for you.
Looking at a smaller down payment? The opening numbers are one example, not a minimum requirement. Choose your loan type and change the numbers below.
You can look beyond
one lender’s offer.
When you come to me, we can compare options from national lenders, including Rocket Mortgage through Rocket Pro and Pennymac. You can get access to those lenders and still have one person to call with your questions.
I’m not a big lender pretending to be personal. I run a small mortgage brokerage and keep it lean, so I can focus on competitive pricing and spend time getting your loan right.
See how your offer comparesThese are examples of wholesale lending relationships, not endorsements. Options depend on your file and lender availability.
If you go directly to a lender, you usually see that lender’s retail offer. Through me, you can compare offers available through my wholesale relationships. That gives us another way to look for competitive pricing for your purchase.
The word “wholesale” doesn’t guarantee you a better deal. The rate, points, fees, credits and broker compensation all matter. Let’s compare the full offer. If another lender has the better fit for you, I’ll tell you.
See how I compare mortgage quotes
SHAHRAM SONDI NMLS 186790
“If another lender has the better option for you, I’ll tell you.”
Wondering whether a payment feels too high? Confused by a fee? Not sure how two quotes compare? You can ask me. I can walk through the numbers with you, in plain English, before you decide what to do.
I’m Shahram Sondi, your Orlando mortgage broker serving homebuyers across Florida. I’ve been originating mortgages since 2001, and you can work directly with me through the process.
Watch Shahram’s interview
FROM A GOOGLE REVIEW“Super communicative and willing to answer all my questions.”
“Give me a chance to see whether I can find you a better mortgage deal.”
SHAHRAM SONDI
Send me the offer you have. We can put the rate, fees and credits side by side, so you can see where my offer stands. If yours is better, I’ll tell you.
Compare my bank quoteAn invitation to compare, not a guarantee of a lower rate or savings.
Florida home purchases with conforming conventional, FHA or VA fixed-rate loans from retail banks. Jumbo, adjustable-rate loans, brokers and nonbank lenders are excluded. Compare the same borrower, property, loan program, amount, down payment, term, timing and lock period using a formal Loan Estimate and written rate-lock confirmation.
A better offer means a lower rate with no higher comparable net loan costs, or the same rate with lower comparable net loan costs. Include origination charges, all broker compensation, points, required lender-selected services and lender credits. Compare APR and mortgage insurance consistently; property taxes, insurance and escrow assumptions must match. No result is promised. Final availability depends on underwriting, eligibility and market conditions.
Read the current comparison detailsYou can start with a question. No application needed for our first conversation, and no application fee from Mortgage Expert when you’re ready.
Try the calculator, or tell me what you’re hoping to buy. If you don’t know your price range yet, we can start there.
Run your numbersBring me your questions or a quote you already have. I can explain your options and what each one could mean for your budget.
Ask your questionWhen you’re ready for pre-approval, I can walk you through the application, credit review and documents you’ll need.
Understand pre-approvalEligible loans can close that quickly with a complete file and timely appraisal, title, insurance and lender approval. I’ll help you set a realistic closing date for your purchase.
Mortgage Expert charges no application fee. Appraisal, credit-report and other third-party costs may apply.
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You don’t need to speak “mortgage.”
Just ask what’s on your mind.
You can compare several wholesale lenders through me, with someone to explain what the numbers mean for you. I keep my business lean and aim to price competitively. A direct lender may still have a better offer, so let’s compare the full deal before you decide.
See how my lender relationships workMortgage Expert charges no application fee. As a broker, I’m compensated for arranging your mortgage. Depending on the arrangement, compensation may be paid by the lender or by you, but not both for the same transaction. It is disclosed as part of your loan costs and pricing.
Appraisal, credit-report and other third-party costs may still apply. I’ll explain the full cost before you decide how to proceed.
Yes. You can see rates, payments and estimated closing costs without giving me your name, email or phone number. Using the calculator does not pull your credit. If you decide to apply or get pre-approved, that is a separate step and can require credit authorization and supporting documents.
Show me rates for my situationNot always. You may have to pay more upfront to get that lower rate. I can show you both options, including the payment, points, lender credits and other fees. Then we can talk about your savings and how long you expect to keep the loan.
Compare the two examplesI can look at the options with you. Seller help requires the seller’s agreement. Lender credits generally mean a higher rate and monthly payment. Down-payment assistance has its own eligibility, funding and repayment rules. These options must fit the loan program and lender requirements.
I’m also a licensed real estate broker. If you want help with both the home and the loan, my separate Buy Borrow Save site explains the commission-credit offer and your choices. You do not have to use my real estate services to get a mortgage through me.
Read the offer on Buy Borrow Save, my real estate siteSome eligible loans can, with a complete file and timely appraisal, title, insurance and lender approval. It is not a promise for every purchase. I’ll review your situation and the seller’s timeline so we can plan for a closing date that makes sense.
The button opens an editable message to my number, 407-906-6414. Nothing sends until you tap Send. Tell me what you’re planning or ask your question. You don’t need to submit an application to start a conversation, and contacting me does not authorize a credit pull.
You can send me your quote, tell me what you’re hoping to buy or just ask your first question. You don’t need to have it all figured out.
Straight to my number. An editable draft. You decide when to send it.
Want to see rates first? Prefer to call? 407-906-6414
