I'm Shahram.

After 25+ years, what still drives you?

Making a difference in people’s lives. You work hard, save for a down payment, and then discover there’s more money to plan for: closing costs, prepaid expenses, and the other costs of owning a home. That can be a lot to take in.

What frustrates me is how hard it can be to get a straight answer while you’re still figuring things out. I want to make that part easier. You should be able to understand the numbers before you decide what to do next.

Why put the calculators out there without asking for my contact details?

Because you may be budgeting and planning. You should be able to explore a home’s price, estimated mortgage payment, and cash needed at closing without having to give me your name, email, or phone number first.

I’ve put a lot of work into these tools so you can get a useful starting point based on your scenario. You can compare estimates, change the assumptions, and see what fits. When you want to talk, I’m here.

Calculator results are planning estimates, not an official Loan Estimate, approval, commitment to lend, or rate lock. Actual pricing and costs depend on your qualifications, property, loan program, timing, and verified information.

Explore your payment and cash to close →

How do you approach pricing and commission?

On the mortgage side, I choose to work on thin margins so I can offer competitive pricing. On the real estate side, I’m flexible about commission and offer eligible buyers a closing-cost rebate under the Buy Borrow Save terms.

My focus is helping you get the best deal I can put together and getting the transaction closed. I care more about the outcome for you than maximizing what goes into my pocket on one deal.

Competitive pricing is a goal, not a guarantee of the lowest rate or cost. Real estate compensation is negotiable and agreed in writing. Rebate eligibility, limits, and financing exceptions are explained in the published offer terms.

What do you help buyers with?

I help you connect the home you want with the numbers that go with it. That can mean searching for a property, negotiating a purchase, comparing mortgage options, or working through the payment and cash needed at closing.

What does having both licenses mean for me?

It means I can look at the purchase and the financing together. A home’s price is one part of the decision. Taxes, insurance, any HOA fees, your loan options, and the money you need at closing matter too. I help you understand how those pieces fit.

Will I actually be working with you?

Yes. I’m the owner and an active broker in both businesses. You can reach me directly to discuss a home, ask about the numbers, and talk through the next step.

Do I have to use both of your companies?

No. You can use me for real estate, your mortgage, or both. You can also choose other providers. The Buy Borrow Save rebate has its own eligibility requirements and published terms; it doesn’t make either service mandatory.