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Neighborhood Loans Charles Garneau
Mortgage Loan Originator NMLS # 1466345
Florida Southern College
Charles Garneau and his team help homebuyers and homeowners across Central Florida secure the right mortgage with personalized service and expert guidance. They specialize in FHA, Conventional, VA, USDA, Down Payment Assistance, Bank Statem... Show More
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9 AM to 5 PM
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closed
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closed
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Reviews from Web
Charles Garneau and his team at Neighborhood Loans made the lending process for our family's first home so much easier than I ever imagined it could be.Buying your first home is exciting, but it's also incredibly intimidating, especially when...
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I couldn't be happier with our experience working with Charles Garneau and the Neighborhood Loans team! They are genuinely some of the friendliest and most knowledgeable people I've ever worked with when it comes to finances. We chose Neighborhood...
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Great overall experience. Very strong and helpful team.
The whole team at Neighborhood Loans is amazing. The whole process was fast and easy. Closed on a house in 3 weeks. I would recommend them to everyone.
Reply from Neighborhood Loans Charles Garneau
October 27th, 2026 07:25 PM
Thank you so much Ryan! You were amazing to work with! We hope you and Isabel enjoy the new home for many years to come!
The whole team at Neighborhood Loans is amazing. The whole process was fast and easy. Closed on a house in 3 weeks. I would recommend them to everyone.
Reply from Owner
October 30th, 2026 02:42 AM
Ryan, we appreciate you so much! You were on top of the process every step of the way and we are proud of you for making the big jump into homeownership. We will be here to help in the meantime if you have any questions.
Amazing experience. They explained everything in layman’s terms and made the experience so smooth. They really make the process seem less daunting. 10/10!
Reply from Owner
October 20th, 2026 01:07 PM
Thank you so much, Khadijah! We really appreciate the kind words and are so glad we could make the process easier and less stressful for you. It was a pleasure working with you, and we’re so happy we could be part of your journey! 😊
The team was responsive and explained things in layman terms so it was easy to understand . the process didn't feel overwhelming and they really set you up for success! Such an azing experience! 10/10'
Reply from Neighborhood Loans Charles Garneau
October 20th, 2026 01:08 PM
Thank you so much, Khadijah! We really appreciate the kind words and are so glad we could make the process easier and less stressful for you. It was a pleasure working with you, and we’re so happy we could be part of your journey! 😊
Thank you for helping us with our home loan
Reply from Charles Garneau
October 20th, 2026 01:09 PM
It was our pleasure, Michael! Thank you for trusting us with such a big decision. We’re so happy we could be part of this journey with you and look forward to working with you again in the future! 😊
Neighborhood Loans Charles Garneau has received a review with 5 star rating from Selma F
Reply from Owner
October 20th, 2026 01:10 PM
Thank you, Selma! It was such a pleasure working with you and Michael. We truly appreciate you both and look forward to working with you again in the future!
From start to finish you made this experience amazing and we appreciate you all making this experience extremely easy. We would 💯 use you all again and suggest anyone who wants an easy process!Thank you for everything!
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Reply from Neighborhood Loans Charles Garneau
October 20th, 2026 01:11 PM
Thank you so much, Yvonne! We’re so happy we could make the process easy and enjoyable for you. It truly means a lot that you trusted us to be part of this journey, and we appreciate you recommending us to others. Wishing you all the best,...
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About
Charles Garneau and his team help homebuyers and homeowners across Central Florida secure the right mortgage with personalized service and expert guidance. They specialize in FHA, Conventional, VA, USDA, Down Payment Assistance, Bank Statement, and DSCR loans. Whether you're a first-time homebuyer, veteran, investor, or self-employed borrower, Charles can help you explore Hometown Heroes, HomeKey, bond programs, and interest rate buydown options to make homeownership more affordable. From application to closing, the team is committed to delivering a smooth, stress-free mortgage experience.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Adjustable Rate Mortgages
Qualified Mortgage Pre-Approvals
Non-QM
Self-Employed Mortgages
Second Mortgages-Bank Statement
Cash-Out Refinances
Specialities
FHA
VA
USDA
Conventional
Jumbo
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Education
- Florida Southern CollegeEconomics
Positions
- Legacy Mutual Mortgage - Loan OriginatorJul 1st, 2023 - Feb 28th, 2025
- The Mortgage Firm - Loan OriginatorNov 3rd, 2014 - Jul 1st, 2023
Memberships
- MBS Highway
- Rotary Club of Lakeland
- Social Indoors Club
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2015
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 1466345
Awards
Achievements
- Top Emerging Originators Scotsman Guide 2026
Hobbies
- Pickleball
- Tennis
- Running 5K
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Disclaimer
Neighborhood Loans, 1333 Butterfield Rd. Suite 600 Downers Grove, IL 60515 1 800.207.8595 Neighborhood loans is an Illinois, Wisconsin, & California Residential Mortgage Licensee. Licensed by the Department of Business Oversight under the California Financing Law. Neighborhood Loans is an approved FHA lender. Not an agency of the federal government. All loans are subject to credit approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. Licensed by the Illinois Department of Financial & Professional Regulation. Company NMLS#222982 MB. 6759826. California DFPI Lic/Reg #41DBO-118971 | Equal Housing Lender