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Rates for Primary Home Purchase






FHA Mortgage Rates


View Assumptions | Rates for Primary Home Purchase

Small size, low overhead and experience allow us to offer unbeatable rates on conventional fixed-rate mortgages. Get a rate quote and see why we’re Florida’s top-rated mortgage broker.

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Unbeatable FHA Loan Rates


View Assumptions
Rates for Primary Home Purchase

Florida's First-Time Home Buyer Specialists

Florida's First-Time Home Buyer Specialists

As your WFTV Channel 9 Mortgage Expert, not only do I offer the lowest FHA  mortgage rates in town– typically 1% lower than the banks– but I also provide no closing cost options.  Our no closing cost options allow qualified buyers to get into a new home with just the required 3.5% downpayment.

What makes us a top-rated FHA mortgage broker?

Lowest FHA Rates In Town

Access to wholesale rates and low margins save you money.

No Application Fees

Unlike banks, we don’t charge first-time home buyers application fees.

No Closing Costs FHA Loans

We offer FHA rates with and without closing costs.

Available Evening & Weekends

We work around your schedule– NOT bankers hours.

Crazy Fast FHA Pre-Approvals

We can get you pre-approved in as little as an hour.

Close In As Little As 21 Days

If your ducks are in a row, we can close fast. Real fast.

Top 3 Florida First-Time Home Buyer Mistakes

Don’t make these common first-time home buyer mistakes. It could cost you thousands and we see them made everyday.

#1: Using A Big Bank

Bigger the bank, higher the rate. Buyers get marked up retail rates to offset the bank’s overhead.

#2: Afraid To Shop Around

Buyers falsely believe multiple credit inquiries will negatively impact their score and ability to qualify.

#3: Paying Closing Costs

Most FHA buyers end up refinancing later to get away from PMI, so why pay closing costs twice?

What do I need to qualify?

When it comes down to it, it’s really just a numbers game and it breaks down like this:

Minimum 580 credit score

Preferably a minimum 620 credit score but can be as low as 580 depending on overall credit history.

Maximum 50% DTI ratio

Preferably 45%, however depending on your credit score and reserves, we can go as high as 50%.

Minimum 3.5% downpayment

Funds can come from your checking, savings, 401(k) or gifted by immediate family members.




Get a no-obligation rate quote or get pre-approved today!


Tell me your scenario, and I’ll present you with all your options.

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My experience with Sondi has been exceptional. Every time I work with or even ask advice from Sondi he is very eager to assist. His knowledge is incredible as well as his professionalism. He makes…Read More

Gene Cole
Rating: 5

Incredible team!!! Brian, Cindie and Alex it was such a pleasure working with you all. Very professional, always quick with a response when I had a question. The whole process was a breeze, thanks again…Read More

Nick Farinella
Rating: 5

I would like to acknowledge the exceptional service that I received during my refinancing process. While we hit some snags along the way but the team at Florida Home Funding went above and beyond to…Read More

Eric B.
Rating: 5

First time home buyers and Shahram and Cindie made the process so smooth! We were nervous and didn't even know where to start-- with their patience and expertise my wife and I now own our…Read More

Laura Dempsey
Rating: 5

Just purchased our home with the assistance of Shahram and his team...I would recommend them to anyone. From day one everyone was so caring and diligent!!! Thank you so much for everything you did! We…Read More

Ursula Ann
Rating: 5

TRULY GOD SENT!! Shahram and Cindie arrived just within the nick of time. Shahram stated that we would close within 30 days, and we did just that! I had a very LONG and drown out…Read More

Yvette Walker
Rating: 5

Florida Home Funding was great to work with. Shahram and Cindie made our 1st home purchase a wonderful and memorable simple process.

Jeff Mortiz
Rating: 5

First time home buyers and Shahram and Cindie made the process so smooth! We we're nervous and didn't even know where to start - with their patience and expertise my wife and I now own…Read More

Heather Butler-Brown
Rating: 5

Working with Shahram and Cindie was great, They helped us from beginning to end answering all of our questions and giving us the confidence that all will be all right. We found our forever home…Read More

Will Hurtade
Rating: 5

Our experience with Florida Home Funding was an exceptional one. We worked with Shahram and Cindy through the process. They were in constant communication with us and took the time to answer our questions with…Read More

Luis C.
Rating: 5

Great people and very professional to deal with. I would highly recommend their services!!

Nelson Lerma
Rating: 5

Working with Shahram Sondi was a great experience. From the beginning he was very informative and easy to talk to. I felt relaxed and confident with Shahram working on my mortgage application. He walked me…Read More

Mark Lombardo
Rating: 5

Shahram is an expert at what he does. There was no guess work at any point, my husband and I felt fully informed through the whole process. Sharham collected the information needed and was very…Read More

Brenda Slocki
Rating: 5

Shahram and his assistant are an incredible team. They are extremely thorough and make what is usually a stressful process smooth and easy. They are on top of every single detail and they will get…Read More

Bill Limato
Rating: 5

I have been through the mortgage process on 3 different occasions and this was by far the easiest. Everything promised was received! It was the fastest and easiest refi I've been through. Everything was done…Read More

Rating: 5
Florida Home Funding Reviews