Featured in
As seen on TV
Compare my Orlando mortgage rates and save thousands. No retail bank markup or corporate overhead. Just competitive rates and straight answers.
Everyone’s situation is different. As a Certified Mortgage Advisor™, I’ll help you strategize the best mortgage rate and term that benefits you.
I don’t work bankers’ hours, so it’s damn easy to reach me any time of day. I work around your schedule.
Jeremy Eaton
Verified Homebuyer
5.0
He beat even the most competitive offer from other banks
Worked with Shahram for our mortgage. He did a fantastic job. He beat even the most competitive offer from other banks and helped us lock a rate before they shot up. Super communicative and willing to answer all my questions. Overall a very easy experience and we were very pleased with his professionalism and expertise.
Torrie Scianna
Verified Homebuyer
5.0
I couldn’t imagine a better mortgage broker to work with
As a first time home buyer, I couldn’t imagine a better mortgage broker to work with than Shahram. He was thorough in explaining steps of the process and was always available for questions with extremely fast response. He went above and beyond to keep our best interest in mind, even closely monitoring and communicating interest rate fluctuations with us daily through a volatile market.
Erik C
Verified Homebuyer
5.0
If you’re looking for a home, call Shahram!
First and Foremost: If you are looking for a home, call Shahram. You won’t regret it! I am delighted to share my exceptional experience with Shahram, who truly went above and beyond in our home buying process. After much research, I contacted Shahram on a Sunday morning at 8AM, and 10 minutes later he contacted me and we got the ball rolling. His work was magical and was able to get us closed within ONE month.
Mikkel Woodruff
Verified Homebuyer
5.0
He was very easy to reach no matter the time of day
From our first moment of contact with Shahram, we knew we were in good hands. He worked with us diligently and efficiently to find us the right loan and great interest rate after learning about our home-buying situation. Throughout the process of buying our first home, he continuously updated us and kept us in the loop. He was very easy to reach no matter the time of day and answered any question we had no matter how small or big.
Conventional Loans
Rates for Primary Home Purchase
Loan Term
My Rate
Points
Months
Monthly Payment
Loan Term 15-yr fixed
Purchase. Florida 15-year fixed conventional mortgage is a home loan with a stable interest rate for the entire 15-year term. Unlike adjustable-rate mortgages, the interest rate remains constant, providing predictability in monthly payment. These loans are not insured or guaranteed by the government, requiring higher credit scores and down payments. Borrowers commit to paying off the loan over three decades, but they can choose to pay it off early without penalties.
My Rate
Months
Monthly Payment
Loan Term 30-yr fixed
Purchase Transaction. Florida 30-year fixed conventional mortgage is a home loan with a stable interest rate for the entire 30-year term. Unlike adjustable-rate mortgages, the interest rate remains constant, providing predictability in monthly payment. These loans are not insured or guaranteed by the government, requiring higher credit scores and down payments. Borrowers commit to paying off the loan over three decades, but they can choose to pay it off early without penalties.
My Rate
Months
Monthly Payment
FHA & VA Loans
Rates for Primary Home Purchase
Loan Term
My Rate
Points
Months
Monthly Payment
Loan Term 30-yr VA
Purchase Transaction. Florida 30-year fixed VA mortgage is a home loan program offered by the Department of Veterans Affairs(VA) for eligible veterans, active-duty service members, and surviving spouses. With this type of mortgage, borrowers enjoy a fixed interest rate and a repayment period of 30 years. VA mortgages typically require no down payment or private mortgage insurance(PMI), making homeownership more accessible to qualifying individuals. Additionally, VA loans often feature competitive interest rates and flexible qualification criteria, including lenient credit requirements.
My Rate
Months
Monthly Payment
Loan Term 30-yr FHA
Purchase Transaction. Florida 30-year fixed FHA mortgage is a type of home loan that has a fixed interest rate and a repayment period of 30 years, insured by the Federal Housing Administration(FHA). The FHA insures the loan, which allows borrowers to qualify for more favorable terms, including lower down payment requirements and more flexible credit qualifications, compared to conventional loans. The fixed interest rate ensures that the monthly mortgage payment remains consistent throughout the loan term, offering stability to homeowners.
My Rate
Months
Monthly Payment
The rates above are estimated rates current as of: 11:18 GMT-4 on Feb 11th.
30-year fixed conventional loan
Florida 30 year fixed conventional monthly payments shown are principal and interest only and do not include PMI, property taxes, homeowners insurance, or other applicable escrows. Actual payment obligation will be greater.
Rates are based on an example loan amount of $400,000, 20 percent down payment, and example credit score of 780.
Florida 15 year fixed conventional monthly payments shown are principal and interest only and do not include PMI, property taxes, homeowners insurance, or other applicable escrows. Actual payment obligation will be greater.
Rates are based on an example loan amount of $400,000, 20 percent down payment, and example credit score of 780.
Florida FHA rates are based on an example base loan amount of $482,500 with a total financed loan amount of $490,943.75, which includes the 1.75 percent upfront FHA mortgage insurance premium (UFMIP) financed into the loan amount.
Monthly payments shown are principal and interest only and do not include monthly FHA mortgage insurance premiums, property taxes, homeowners insurance, or other applicable escrows. Actual payment obligation will be greater.
Rates assume an example credit score of 780 and 3.5 percent down payment.
Florida VA rates are based on an example base loan amount of $500,000 with a total financed loan amount of $510,750, which includes the 2.15 percent first use VA funding fee financed into the loan amount.
Monthly payments shown are principal and interest only and do not include property taxes, homeowners insurance, or other applicable escrows. Actual payment obligation will be greater.
Veterans exempt from the VA funding fee will not be required to pay the funding fee. Borrowers must meet VA eligibility requirements.
This is not a commitment to lend. Rates and APRs shown are for informational purposes only and are subject to change without notice until locked.
Unless otherwise noted, examples assume:
Mortgage insurance may be required depending on loan program and loan to value. If required, mortgage insurance may increase the APR.
All loans are subject to underwriting approval, borrower qualification, and applicable Fannie Mae, Freddie Mac, FHA HUD, or VA guidelines, as well as any lender overlays imposed by wholesale lenders.
Not all borrowers will qualify. Terms and availability may vary.
Payment Assumptions: Based on a $500,000 purchase price. Payments shown are principal and interest only and exclude property taxes, homeowners insurance, flood insurance if applicable, HOA dues, escrows, and any monthly mortgage insurance. Conventional: 20 percent down, $400,000 loan amount, example credit score of 780+. No PMI. FHA: 3.5 percent down, $490,943.75 total loan amount including financed 1.75 percent upfront mortgage insurance premium (UFMIP). Monthly FHA mortgage insurance not included. VA: 100 percent financing, $510,750 total loan amount including financed 2.15 percent first use VA funding fee, if applicable. No monthly mortgage insurance. Rates shown are floating and subject to change without notice until locked. Actual terms may vary. View legal disclosures above for additional details.
How Can I
help you Today?
Hundreds of
I’m Shahram, the go-to guy for Florida home loans
5-Star Reviews
I’m Shahram, the go-to guy for Florida home loans
Buying your first home in Florida involves more than choosing a house and locking a rate. Insurance costs, roof age, loan program rules, and seller concessions can all impact whether a deal closes and stays affordable. This Florida-specific first-time homebuyer guide explains the full process — from mortgage strategy to occupancy — so you can buy with clarity and confidence in 2026.
10th of Jan. 2026
6 min. read
Mortgage rates dipped below 6% after President Trump directed Fannie Mae and Freddie Mac to increase mortgage bond purchases. This article explains what’s actually happening behind the scenes, where the program stands now, and what it realistically means for Florida buyers and homeowners navigating insurance, HOA, and condo cost pressures.
10th of Jan. 2026
5 min. read
Florida mortgage rates in 2026 are only part of the story. The real challenge for buyers is total cost of carry, including insurance, escrow, and qualifying impact. This expert guide explains how to evaluate Florida mortgage rates the right way, avoid common comparison mistakes, and structure a loan that actually closes and stays affordable long term.
10th of Jan. 2026
7 min. read
See what’s realistic before you commit. No sales pressure. Just clear numbers.
Find out how much you can afford—plus what you could pre-qualify for
Fast rate quote
Takes one minute
No SSI required
Shahram Sondi | Certified mortgage advisor™ | NMLS 186790
Yes — and it can have a direct impact on your rate, fees, and overall experience.
A mortgage lender works for one bank and can only offer that bank’s loan products and pricing. A mortgage broker works independently and shops your loan across multiple wholesale lenders to find the best combination of rate, cost, and loan structure for your situation.
This flexibility is often why borrowers working with a broker are able to secure better pricing and more personalized guidance compared to going directly to a single bank or online lender.
👉 Learn more: Mortgage Broker vs Lender — Is There a Difference?
Many Orlando homebuyers choose a mortgage broker because they want better pricing, clearer advice, and more control over their loan options.
Instead of being limited to a single bank’s rates, a local mortgage broker can compare multiple lenders at once and tailor the loan to the property, the neighborhood, and the buyer’s long term goals. This is especially helpful in competitive Orlando markets where pricing and speed both matter.
Working with a local broker also means direct access, faster communication, and guidance from someone who understands the Orlando housing market from the inside.
That’s a great question — and the answer isn’t what most people expect.
Mortgage rates aren’t set by the Federal Reserve the way credit card or auto loan rates are. Instead, they’re driven by long-term investor demand for mortgage bonds and the “spread” lenders charge over those benchmarks. Even when the Fed lowers short-term rates, spreads can widen due to market stress, inflation expectations, or risk perception — keeping mortgage rates elevated.
In simple terms: the Fed doesn’t directly control the rates you get. The real driver is the spread between what investors pay and what lenders charge.
Many would-be buyers are asking this as prices and interest rates shift.
The short answer: no, Orlando’s housing market is not crashing. Instead, recent data shows a market adjusting — with price growth slowing in some neighborhoods, inventory rising modestly, and buyer activity responding to affordability dynamics. It’s not a collapse but a transition, and knowing the real trends helps buyers make smart decisions instead of reacting to fear.
For a detailed look at the latest Orlando housing data and what it means for buyers right now:
There are several programs designed to help first time homebuyers — from down payment assistance to affordable mortgage options. But not all programs fit every buyer, and some come with eligibility rules, income limits, or hidden costs you should understand before you commit.
The key is knowing what’s out there, which programs can truly lower your upfront costs, and where the perks come with important conditions.
Buying a home isn’t just about finding the right property — it’s about navigating financing, inspections, timing and occupancy smoothly. From getting preapproved to budgeting for closing costs and planning your move, having clear, expert guidance can save you time, money and stress.
These foundational steps make a big difference whether you’re a first timer or experienced buyer.
Buying a home can feel overwhelming because it involves multiple big steps — from getting preapproved and understanding what you can afford, to finding the right loan, negotiating the purchase, and preparing for closing and move-in.
A mortgage expert guides you through each phase with clarity and confidence. We help you understand your purchasing power early, compare mortgage options that fit your goals and financial situation, avoid common pitfalls, and keep the process moving smoothly from offer to closing.
This means fewer surprises, smarter decisions, and a better outcome for your home purchase.
Learn more:
https://oldmortgageexpert.kinsta.cloud/buy-your-home/
