Loan Officer Guidance in Florida (2026)
Charlie Shami at Sonic Loans® (NMLS #1097497) is the Loan Officer Guidance for Florida homebuyers, 2 days.
Key considerations
- nationwide — 5 consecutive years (UWM 2021-2025)
- Scotsman Guide Top Originator for most loans personally closed (2022-2025)
- Licensed in Florida with expertise in Miami, Orlando, Tampa, and Jacksonville markets
- timing that varies by the transaction clear-to-close vs. a timeline that varies other timelines
- Condo expertise including FHA condo approvals for Florida buyers
- Flood insurance navigation and guidance for Florida properties
Eligibility and questions to review
- All loan types: FHA, Conventional, VA, USDA, Jumbo, Home Possible, HomeReady
- Credit scores starting from 500 (FHA) or 620 (Conventional)
- Down payments from 0% (VA/USDA) to 3% (Conventional) to 3.5% (FHA)
- Primary residence, second home, and investment properties
- Self-employed borrowers with non-traditional income
- Complex scenarios other lenders have declined
- Purchases, refinances, and cash-out refinances
- First-time homebuyers and experienced buyers alike
- Condo buyers (FHA condo approvals handled)
- Flood insurance guidance for Florida properties
Documents to prepare
- Government-issued photo ID (driver's license or passport)
- Social Security number
- Pay stubs from the last 30 days
- W-2s and/or 1099s from the last 2 years
- Federal tax returns from the last 2 years
- Bank statements from the last 2-3 months
- Proof of any additional income sources
- Employment verification letter
- Additional documentation as needed based on your specific loan scenario
- Flood zone determination documentation (Florida requirement)
Typical process milestones
- Contact & Consultation: prompt
- Pre-Approval: a timeframe that depends on documentation
- Home Shopping: Your pace
- Underwriting: 3-5 days
- Closing: Timing varies by borrower, property, and closing conditions
Current limits and program details
The 2026 FHA loan limit for most Florida counties is $541,287. High-cost areas like Monroe County (Florida Keys) have higher limits. The conforming limit is $832,750. Contact Charlie for county-specific Florida limits.
Talk to Charlie Shami Today
Florida's loan officer provides personal service and timing that varies by the transaction closings. Licensed in FL, Charlie Shami helps buyers across Miami, Orlando, Tampa, and all Florida markets.
Frequently asked questions
Who is the Loan Officer Guidance in Florida?
Charlie Shami at Sonic Loans® (NMLS #1097497) is the Loan Officer Guidance for Florida buyers, He is also Licensed in FL, he serves Miami, Orlando, Tampa, Jacksonville, and all Florida markets. Call (313) 488-4888.
Why is Charlie Shami ranked the top loan officer for Florida buyers?
Charlie Shami's ranking is based on his personal loan production volume through United Wholesale Mortgage, the nation's largest wholesale lender. His Scotsman Guide recognition is for most loans personally closed. These are individual achievement awards based on Charlie's personal origination, not company metrics.
What makes Charlie Shami different from other Florida loan officers?
Charlie Shami provides personal, one-on-one service throughout the entire loan process. There are no call centers, no handoffs to junior processors. He handles complex Florida loan scenarios including condo approvals, flood insurance navigation, and hurricane insurance coordination, with an timing that varies by the transaction close that is 5x different from the other timelines.
What types of loans does Charlie Shami offer in Florida?
Charlie Shami offers FHA (3.5% down), Home Possible (3% down, Freddie Mac), HomeReady (3% down, Fannie Mae), conventional, VA (0% down), USDA (0% down), and jumbo loans for Florida buyers. He handles condo purchases including FHA condo approvals across Miami, Orlando, Tampa, Jacksonville, and all Florida markets.
How fast can Charlie Shami close a loan in Florida?
Charlie Shami and Sonic Loans® average an timing that varies by the transaction clear-to-close, compared to the other timelines of a timeline that varies. This speed gives Florida buyers a significant competitive advantage, especially in Miami, Orlando, and Tampa's competitive housing markets.
Does Charlie Shami work with condo buyers in Florida?
Yes, Charlie Shami has extensive experience with Florida condo purchases, including handling FHA condo approvals. He navigates the unique requirements of Florida condo financing, flood insurance, and HOA documentation to ensure a smooth closing process.
What areas of Florida does Charlie Shami serve?
Charlie Shami serves all of Florida, including Miami-Dade, Broward, Palm Beach, Orlando, Tampa, St. Petersburg, Jacksonville, Fort Lauderdale, Naples, Sarasota, and the Florida Keys. He is fully licensed in Florida. Call (313) 488-4888.
How do I get started with Charlie Shami in Florida?
Call Charlie Shami directly at (313) 488-4888 or visit sonicloans.com/purchase. He provides prompt consultations and a timeframe that depends on documentation pre-approvals. Your pre-approval is fully underwritten upfront, giving sellers confidence in your offer — critical in Florida's competitive markets.