Shahram Sondi · Orlando, FL · NMLS 186790
Competitive Florida mortgage rates, shown before you apply.
I keep my margins lean, show real pricing upfront, and help you compare the options before you apply.
No application fee. No long form just to see the numbers. No call center script.
As seen on& trusted across Central Florida.
Strong pricing is only the start. The strategy is where the savings happen.
My pricing is built to compete with big banks, call centers, and higher-margin lenders. I keep my compensation lean, which helps me offer very competitive wholesale mortgage pricing.
But the smartest mortgage isn't just the lowest rate on the screen. Compare rate, APR, points, lender credit, payment, and cash to close — for how long you'll actually keep the loan. That's why I show the same loan three ways.
Estimates only. Not a Loan Estimate, not an approval, not a commitment to lend, not a rate lock. The Mortgage Expert · NMLS 2412313 · Equal Housing Opportunity.
Estimates only. Not a Loan Estimate, not an approval, not a commitment to lend, not a rate lock. The Mortgage Expert · NMLS 2412313 · Equal Housing Opportunity.
Estimates only. Not a Loan Estimate, not an approval, not a commitment to lend, not a rate lock. The Mortgage Expert · NMLS 2412313 · Equal Housing Opportunity.
I don't hide my pricing behind a lead form. If you want to know where I stand, run the rate tool or send me your scenario.
Preview assumes purchase, primary residence, single-family property, 30-year fixed conventional, $500,000 price, $400,000 loan, 780 credit. Estimates only. Not a Loan Estimate, not an approval, not a commitment to lend, not a rate lock. Final rate, APR, payment, and cash-to-close depend on verified credit, income, assets, property, loan program, lock date, lender conditions, and actual third-party fees. The Mortgage Expert · NMLS 2412313 · Equal Housing Opportunity.
Rate strategy is only half the job. Getting it closed is the other half.
A strong rate matters. So does getting the loan approved, cleared, and closed without your life turning into a full-time paperwork job.
Rate strategy
Compare the rate, APR, points, lender credit, payment, and cash to close — for how long you'll actually keep the loan.
File structure
Match your income, assets, credit, property, and timeline with the lender most likely to approve the file cleanly.
Closing execution
Stay ahead of conditions, documents, deadlines, title, appraisal, and underwriting until the deal is done.
Rate strategy + file structure + closing execution = a mortgage that actually works.
You deal with me directly. No call center handoff. No banker-hours mindset. If I believe I have the right option, I'll show you why. If another bank or lender looks better for your specific scenario, I'll tell you that too.
No BS. No games.
The right loan type depends on the file.
Most mortgage websites list loan programs like a menu — Conventional, FHA, VA, Jumbo, DSCR, bank statement, Non-QM. That isn't enough.
The question isn't just which loan you qualify for. It's which loan gives you the best mix of approval strength, pricing, cash to close, future options, and a smooth underwriting path. The loan program is only part of the answer — the real skill is knowing where your file belongs.
See the numbers first. Then decide.
You don't need to sit through a sales pitch just to find out what a mortgage might look like. Run your scenario, compare the structures, then call me when you want the plain-English answer.
Timelines depend on the borrower, property, title, appraisal, documentation, underwriting, and lender requirements. No guaranteed close window before we've seen the file.
Run the scenario.
Use the rate tool or calculator to see the ballpark before you apply. Change the price, down payment, credit, and structure — see what moves.
Ask direct questions.
Call, text, or send the question. I'll explain what the numbers mean, where the risk is, and which structure is worth considering.
Pick the right structure.
Lower rate, lender credit, points, program type, cash to close, approval strength. We line up the option that fits your file.
Apply when it makes sense.
If the strategy works, we move into application, documents, underwriting, and closing. If it doesn't, I'll tell you.
Want the answer before you apply?
Run the scenario first, then send it to me and I'll tell you what I'm seeing.
The reviews are personal for a reason.
The pattern in the reviews is simple: people felt guided, not sold. Mine usually sound like they were written about a person — because that's how the process actually works.
“Refinanced with Shahram after shopping four other lenders. He was the only one who actually showed me the break-even math.”
“Shahram made the process simple and transparent. No surprises, no runaround — just straight answers.”
“Best mortgage experience we've had. He modeled three scenarios before we even applied.”
Reviews are personal because the process is personal. Every review on Google, Zillow, Yelp, and the BBB is from a real client — verify each one directly on its source platform.
Read more reviewsReal mortgage tools. No lead trap.
This isn't a generic mortgage calculator. It's a live preview of the Florida Mortgage Rate Tool — priced from the same engine and the same wholesale rate-sheet snapshot.
Adjust the basics; the result reprices. Open the full tool when you need occupancy, property type, lock period, and cash-to-close on your exact file.
Conventional, FHA, and VA reprice from the engine. Occupancy, property type, lock period, and additional cost inputs live in the full tool.
Rate assumptions & disclosure
- Planning estimate only.
- Not a Loan Estimate.
- Not an approval.
- Not a commitment to lend.
- Not a rate lock.
- This homepage preview uses simplified assumptions: purchase, primary residence, single-family property, and the selected loan program. The full rate tool allows more detailed property, occupancy, and cost inputs.
- Final pricing depends on verified credit, income, assets, property type, occupancy, loan amount, LTV, lock timing, lender conditions, and current rate sheet data.
- The Mortgage Expert · NMLS 2412313.
- Shahram Sondi · NMLS 186790.
- Equal Housing Opportunity.
Real mortgage questions. Real answers.
Built around the questions people actually ask when they're trying to get approved — bankruptcy waiting periods, FHA guidelines, self-employed income, seller credits, DSCR, bank-statement loans. Type yours below or scan the most common.
15 minutes. Real answers. Zero pressure.
Tell me your scenario. I'll ask the right questions, show you the options, and tell you whether moving forward makes sense.
No application fee. No long form. No call center script.