Meet Our Team

Learn more about me & my amazing team below.

Charles Widmeier

Born and raised in St. Petersburg, I happily call Tampa Bay home. I married my high-school sweetheart, Jennifer, and we have five beautiful children that I adore. Family comes first and I love enjoying the outdoors together.

I am passionate about mortgages! The journey of working my way up the ladder from an entry-level position to an account executive has taught me many skills and birthed a passion to help clients achieve their dreams. In 2005, I started in the mortgage industry learning every aspect of the loan process. This experience has taught me that a strong work ethic, excellent communication skills, and dedication for this business are the recipe for success. I understand that this can be one of the largest financial decisions one can make in one’s lifetime. I am also confident that I can choose the right programs for each individual situation to make this the most successful homeownership experience. As a Sr. Loan Originator with Amerifirst Home Mortgage, clients can be assured that I have the experience and expertise to see the mortgage process through from beginning to end. This is not just a transaction to me, but a long-term relationship that I take very seriously.

Scotti Hosman

I grew up in Dade City Florida and have lived in Tampa for ten years. In addition to boating and water sports, or soaking up the sun on our beaches, I love taking ski vacations with family and friends tearing it up on the slopes. Spending time with family and creating new memories is what I value most in life.

I’ve always had a passion for people and enjoy supporting those around me. My first job was in hospitality, and I’ve loved curating experiences ever since. Working with Your Bearded Loan Guy’s team has been inspiring and constantly being surrounded with positive energy has made me appreciate the industry even more. I strive to anticipate client’s needs, making a sometimes overwhelming process, easy to navigate.

What Our Clients Say...

I like how efficient it is to get documents through the secure portal. We always get someone to talk to for answering questions right away and we closed on time.


Garth R.

Charles has been great through out the process. He help me get the loan that I didn’t think I could. He is a part of made my dream come through to get this house. Thank you so much.


Lila U.

I was referred to Charlie by my sister. She described him as knowledgeable, trustworthy…simply incredible! I agree. He was very responsive and navigated me through the home buying process. I would be remiss if I left out James Marks, Charlie’s teammate….who was absolutely phenomenal, as well. I would highly recommend using Charlie and James of the Mortgage Firm.


Rongette L.

Charles was great he constantly kept me informed. I work with him on a daily bases and why I chose him to do my refinance. He worked very hard to make things happen and thought outside of the box. And had a great experience definitely recommend him as a lender.


Tanya L.

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