I compare the mortgage type, down payment, rate and credit tradeoffs so the financing fits the move—not just the approval.
Lake Mary Real Estate Broker
The home is only half the deal half the deal
Shahram Sondi
Licensed Florida Real Estate Broker · BK3225742
See the whole picture
The home is where the decision starts.
Lake Mary · Longwood · Sanford02 / Before the offer
The listing shows a price. I show you the whole deal.
Loan type. Down payment. Taxes. Insurance. Cash to close. Seller concessions. I connect every piece before you decide what the house is worth to you.
The whole-deal review
Built before you offer
No filter. If the house or the numbers do not make sense, I’ll tell you.
03 / The broker
You hire me. You get me.
No junior-agent handoff. I personally help you set the budget, walk the home, structure the offer and understand the financing. My mortgage background is an added lens—not a requirement to use me as your lender.
My ruleI’d rather talk you out of the wrong house than let you buy one you’ll regret.
- 25+
- Years helping homebuyersAcross Central Florida since 2001
- 02
- Professional perspectivesFlorida real estate broker + Certified Mortgage Advisor™
- 01
- Accountable advisorFrom the first budget to the keys
Lake Mary · Longwood · Sanford
04 / The decision range
Best case. Worst case. Know both.
Before you make an offer, I build the purchase two ways. You see what the deal could look like when everything lines up—and what it looks like when it does not.
The same home
Two honest outcomes
01 / Best case
When the pieces line up
- Preferred mortgage and down-payment structure
- Realistic insurance and future property taxes
- Seller concessions that are actually available
- Expected cash to close with reserves intact
02 / Worst-case guardrail
If the deal gets tougher
- Higher taxes, insurance or financing cost
- No seller credit assumed
- Full closing costs and prepaid items
- A repair and reserve cushion after closing
If the deal only works in the best case, it doesn’t work.
05 / The financing advantage
Real estate. Mortgage insight. One decision.
I represent you in the real-estate decision. My mortgage experience helps me pressure-test the financing before it becomes a surprise.
The home+The financing
↓One informed decision
You choose the lender. I bring the questions that keep the home and the financing working toward the same goal.
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01
Real-estate representation
I help you evaluate the property, negotiate the offer and protect the deal from contract to closing.
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02
Mortgage-trained judgment
As a Certified Mortgage Advisor™, I can spot payment, cash and loan-structure tradeoffs while we evaluate the home.
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03
Your lender. Your choice.
You may use any lender you want. Mortgage services through Mortgage Expert, Inc. are separate and always optional.
Real estate stays first. Shahram Sondi + Co. is a real-estate brokerage. Separate mortgage services, if requested, are provided through Mortgage Expert, Inc. · NMLS 2412313. Shahram Sondi · NMLS 186790.
06 / Client proof
The reviews are personal for a reason.
These buyers describe the part that matters: personal involvement, real negotiation and a deal that made sense beyond the listing price.
“My 4th transaction over 9 years with Shahram… and I will continue to use him in the future.”
What clients mention again and again
- 01Direct access
- 02Negotiation
- 03Honest advice
- 04Whole-deal thinking
Google rating and review count verified September 2026. Individual experiences vary.
07 / Start a conversation
Prefer email? sondi@shahramsondi.com
Shahram Sondi + Co. · CQ1049127·Shahram Sondi · BK3225742+Certified Mortgage Advisor™ · NMLS 186790