Clear mortgage strategy.
Wholesale pricing.
No rate bait.
Orlando mortgage broker serving Central Florida and buyers across the state. Licensed in Florida. NMLS 2412313.
I shop multiple lenders so you compare real options, not one bank’s menu. No application fee. No upfront broker fee. I’m compensated by the lender at closing as part of the loan pricing—similar to how an insurance broker is paid—so you don’t pay me directly.
Most buyers never see real pricing until it’s late. Here, strategy comes first: transparent numbers, side-by-side structure, and a plan before you lock or sign.
The right loan fits your situation—not whoever pays the highest commission to sell it.
💬 Tap to text Shahram a quick question
Payment planning • Structure comparison • Rate strategy—before you commit
Today’s Florida mortgage rates
Example wholesale pricing ranges for well qualified borrowers
Conventional 30 Year Fixed
FHA 30 Year Fixed
FHA APR reflects required mortgage insurance premium.
Example rate assumptions
The pricing examples shown on this page are illustrative planning scenarios for a Florida primary residence single family home purchase with a 30 day rate lock. These examples are provided for educational purposes only and do not represent a locked rate, loan approval, or commitment to lend. Mortgage interest rates and APR change daily and vary based on borrower qualifications, loan structure, property characteristics, and market conditions. APR reflects the cost of credit over the life of the loan and may include certain finance charges. If mortgage insurance is required, it may increase the APR. All loans are subject to underwriting approval, borrower qualification, and applicable agency guidelines including Fannie Mae, Freddie Mac, FHA HUD, or VA requirements, as well as any additional lender overlays imposed by wholesale lenders. Not all borrowers will qualify and loan terms may vary.
Conventional example scenario
$750,000 purchase price. 25 percent down payment. $562,500 loan amount. 75 percent loan to value. 780 plus credit score. 0.25 percent in discount points. Primary residence. Single family home.
FHA example scenario
$500,000 purchase price. 3.5 percent down payment. $482,500 base loan amount. 96.5 percent loan to value. 780 plus credit score. 0.630 percent in discount points. Primary residence. Single family home.
This is not a commitment to lend. Rates and APR shown are for informational purposes only and are subject to change without notice until locked with a lender. Final loan pricing depends on multiple factors including credit score, loan to value, loan amount, property type, occupancy, loan program, lock period, discount points or lender credits, prepaid items, escrow setup, and lender underwriting guidelines. Payment examples shown elsewhere on this site may include principal and interest only unless otherwise stated and may not include property taxes, homeowner insurance, mortgage insurance, or homeowner association dues where applicable.
Planning estimates only. Not a commitment to lend. Rates and APR vary based on borrower profile, loan structure, credit score, property type, occupancy, and market conditions.
Rates move daily—your structure shouldn’t be a guess. Decide payment range and loan shape before you tour or make offers.
Tools to decide before you shop
Run numbers first, then align price range, down payment, and loan type with what you can actually afford.
Mortgage Payment Calculator
Stress-test monthly payment with realistic taxes and insurance so you know what “comfortable” costs.
Open CalculatorHome Affordability Calculator
Start from a target payment and back into purchase price—so you don’t fall in love with homes outside your range.
Check AffordabilityFlorida Rate Comparison Tool
Line up rate scenarios: payment, APR, points, lender credit, and closing costs side by side before you ask for a live quote.
Compare Rate OptionsUnsure which structure fits? Use the Florida rate comparison tool, then cross-check today’s rate snapshot—you’ll see how points, credits, and term change cash to close and payment before we build your full strategy.
Loan programs—who each option fits
Pick the program that matches your down payment, credit, and property—not the one someone happens to push.
Conventional Loans
- Best for: strong credit, 3%+ down, primary or second home
- PMI can drop off at 20% equity—often cheaper MI with high scores
- Flexible terms and buydown options
FHA Loans
- Best for: smaller down payment or credit that needs more flexibility
- 3.5% down; higher DTI tolerance than many conventional files
- Government-backed guidelines lenders still interpret—worth comparing
VA Loans
- Best for: eligible veterans, active duty, and qualifying spouses
- $0 down where eligible; no monthly mortgage insurance
- Competitive pricing when entitlement and property type line up
Investment Property Loans
- Best for: rental income–based qualification, not W-2–only DTI
- DSCR and other non-owner-occupied products
- Entity-friendly purchase and refi where guidelines allow
First-time buyer? The Orlando first-time homebuyer guide covers programs and cash to close; Orlando mortgage broker help when you want pricing aligned to your file. View First Time Homebuyer Guide
Which loan type matches your file?
Down payment, credit, occupancy, and property type narrow the list—then we price the best fit across wholesalers.
| Loan Type | Typical Down Payment | Best Fit |
|---|---|---|
| Conventional | 3 to 20 percent | Strong credit, flexible structures, owner-occupied or second home |
| FHA | 3.5 percent | Moderate down payment or credit; first-time and repeat buyers |
| VA | 0 percent | Eligible military, veterans, and qualifying family members |
| Investment | 20 to 25 percent | Rentals and non-owner-occupied strategy |
Conventional
Typical down payment: 3 to 20 percent
Best fit: Strong credit, flexible structures, owner-occupied or second home
FHA
Typical down payment: 3.5 percent
Best fit: Moderate down payment or credit; first-time and repeat buyers
VA
Typical down payment: 0 percent
Best fit: Eligible military, veterans, and qualifying family members
Still deciding? Orlando mortgage broker guidance plus scenario comparison beats guessing from a single lender’s quote.
Featured mortgage expert on WFTV Channel 9 Home Experts
- Certified Mortgage Advisor™
- Mortgage Loan Originator
- NMLS 186790
- 25+ years pricing, structuring, and closing Florida loans
Right loan, best structure for your file—strategy first, no pressure.
I’m Shahram Sondi, a Florida mortgage broker based in Orlando. I work through wholesale channels so you see multiple lender paths—not one retail desk.
I’ve structured and closed over 2,500 loans totaling more than $500 million in volume, across first-time buyers, move-up clients, and complex scenarios.
No application fee. No upfront broker fee. I’m compensated by the lender at closing as part of the loan pricing, similar to how an insurance broker is paid, so you do not pay me directly.
I’m not incented to sell a product line—I’m incented to place the loan that fits.
Outcome matters: payment and structure you can live with, not just a cleared-to-close checkbox.
Two decades-plus of files means I’ve seen most mistakes before they happen—locking blind, ignoring APR and credits, or matching the wrong program to the borrower. My job is to make cost and tradeoffs obvious before you commit.
Small rate or structure differences compound over 15 or 30 years. You deserve to see that math up front.
Get My Mortgage StrategyPlanning guidance only. Final loan terms depend on lender underwriting, appraisal, title review, and market conditions.
Orlando homebuyers on working with this office
Many clients came after a bank or another lender left pricing or structure unclear.
Straight numbers, organized process, on-time closings.
As first-time buyers we started lost. Shahram broke down each step, showed where the money goes, and helped us land terms that made sense for us.
Organized, responsive, and on top of the lender and our agent. The process stayed on track without us chasing updates.
Clear answers, no jargon dodge. From application to closing, the path was straightforward.
Reviews reflect individual experiences. Results vary based on borrower profile, property, and lender guidelines.
How the mortgage process works
Pre-approval through closing—what most Florida purchase clients see working with this office.
Pre approval strategy
Credit, income, assets, and payment goals mapped to a realistic range and program set before you shop hard.
Loan structure and rate options
Wholesale pricing compared: points vs. lender credits, term, MI—matched to your timeline and cash to close.
Underwriting and documentation
Docs in, conditions cleared, lender questions answered without you guessing what they want next.
Closing and long term planning
Final approval, closing table, then context on refi, recast, or strategy if the market shifts later.
Timing varies by borrower profile, property, appraisal, title, and lender underwriting requirements.
Orlando mortgage broker: guidance and rate planning
If you’re buying in Central Florida, the question isn’t just who has the lowest rate. It’s which loan structure and lender actually fit your file. That’s where working with an Orlando mortgage broker with wholesale access matters.
Why use an Orlando mortgage broker
A single bank sells its own products. As your Orlando mortgage broker, I compare conventional, FHA, VA, and investor options across wholesalers—so you see real choices, not a captive menu.
First home, move-up, or refi: same standard—transparent numbers, payment-first planning, no teaser quotes.
Why use a mortgage brokerOrlando mortgage rates in context
The note rate is one line on the sheet. APR, points, lender credits, MI, taxes, insurance, and term drive the payment you’ll actually make. Today’s Florida rate snapshot is a starting point; the Florida mortgage rate tool lets you stress-test scenarios before you lock.
That’s how you avoid optimizing for the wrong number—and how Florida buyers plan with clarity instead of headlines.
Explore current mortgage ratesFAQ: Orlando mortgages and working with a broker
Direct answers for Florida buyers—no filler.
How does a mortgage broker work in Florida?
A broker shops multiple wholesale lenders instead of one bank’s shelf. You get broader comparison on structure, price, and guideline fit. Why a broker vs. a single lender—and Orlando mortgage broker specifics for local buyers.
What is wholesale mortgage pricing?
Pricing available through brokers and correspondent channels—not the retail branch rate sheet. You still compare APR, points, credits, and total cost; wholesale just widens the field.
How much down payment do I need to buy a home in Orlando?
Program-dependent: some conventional options from 3% down, FHA often 3.5%, VA $0 down for eligible borrowers. Orlando first-time buyer guide for a deeper breakdown.
What credit score is required for FHA loans?
Many lenders start around 580 for FHA, file-dependent; higher scores improve price and flexibility. FHA loan guidelines and options.
Should I compare rate or monthly payment first?
Payment first—rate alone ignores taxes, insurance, MI, points, and credits. Rate snapshot plus scenario comparison shows the full picture.
What does a mortgage broker do differently than a bank?
The bank sells its products only. A broker aligns multiple wholesalers to your scenario—often more leeway on structure and pricing. Florida mortgage broker perspective for Orlando-area purchases.
Should I get pre approved before house hunting?
Yes. Know payment range, cash to close, and likely program before tours and offers—fewer surprises and stronger offers.
What affects mortgage rates the most?
Markets, credit, down payment, loan type, occupancy, property type, points, and lender pricing. Comparing rate quotes without the rest is usually misleading.
How long does mortgage approval take in Florida?
Depends on docs, property, appraisal, and conditions—many purchases close in about three to five weeks when the file is clean and responsive.
Know your numbers before you tour or sign
Before you tour homes or sign a contract, know your numbers. Get clear on payment, cash to close, and loan structure first, then move forward with confidence.
- Payment and cash-to-close clarity
- Side-by-side loan structure
- Rate strategy tied to your timeline
Planning only. Final loan approval and pricing depend on underwriting, appraisal, title review, and market conditions.