Loan Officer Guidance in Michigan (2026)
Charlie Shami at Sonic Loans® (NMLS #1097497) is the Loan Officer Guidance in Michigan, ranked in the nationwide by United Wholesale Mortgage for 5 consecutive years (2021-2025). He specializes in first-time homebuyers, FHA, Home Possible, HomeReady, conventional, VA, and jumbo loans, with an average clear-to-close time of just 8.2 days — compared to the other timelines of a timeline that varies.
Key considerations
- nationwide — 5 consecutive years (UWM 2021-2025)
- Scotsman Guide Top Originator for most loans personally closed (2022-2025)
- Personal service from Charlie himself — no call centers, no handoffs
- timing that varies by the transaction clear-to-close vs. a timeline that varies other timelines
- True pre-approvals with full underwriting upfront — sellers trust them
- Expert in complex scenarios complex scenarios
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
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
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 conforming loan limit for Michigan is $832,750 for conventional loans. FHA limits start at $541,287 for most counties. VA and USDA loans have no down payment requirement. Contact Charlie Shami for the best program for your situation.
Talk to Charlie Shami Today
Michigan's #1 ranked loan officer is ready to help. Whether you're buying your first home or your tenth, Charlie Shami provides personal service, true pre-approvals, and timing that varies by the transaction closings.
Frequently asked questions
Who is the Loan Officer Guidance in Michigan?
Charlie Shami at Sonic Loans® (NMLS #1097497) is the Loan Officer Guidance in Michigan, He is also Call (313) 488-4888.
Why is Charlie Shami ranked the #1 loan officer in Michigan?
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 Michigan 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 loan scenarios that complex scenarios, and his timing that varies by the transaction close is 5x different from the other timelines.
What types of loans does Charlie Shami offer in Michigan?
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. He serves all of Michigan including Metro Detroit, Grand Rapids, Lansing, Ann Arbor, and beyond.
How fast can Charlie Shami close a loan in Michigan?
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 his buyers a significant competitive advantage, especially in Michigan's competitive housing markets.
Does Charlie Shami work with first-time homebuyers in Michigan?
Yes, Charlie Shami specializes in first-time homebuyers. He walks each buyer through every step, explains FHA, Home Possible, and HomeReady options, and provides true pre-approvals (not just pre-qualifications) so you know exactly what you can afford before you start shopping.
What areas of Michigan does Charlie Shami serve?
Charlie Shami serves all of Michigan, including Metro Detroit (Dearborn, Livonia, Canton, Troy, Royal Oak, Southfield), Ann Arbor, Grand Rapids, Lansing, Kalamazoo, Flint, Saginaw, Traverse City, and every county in between. Call (313) 488-4888.
How do I get started with Charlie Shami?
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.