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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
Location & Business Hours
Business Hours
Mon
8 AM to 6 PM
Tues
8 AM to 6 PM(Open now)
Wed
8 AM to 6 PM
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Reviews from Web
My wife and I had an amazing experience with this team. I’m so grateful for them, Doug specifically. He was so intentional and really took the time to ensure my wife and I understood everything through the process. I would highly recommend...
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Reply from Owner
August 17th, 2026 06:47 PM
Thank you so much Jeremy! We were grateful to be able to be there for you two and glad you got to take advantage of such an awesome program with Florida Housing. Congratulations on your beautiful new home!!
You will not find a better loan company than Neighborhood Loans. This has been the smoothest process I have ever experienced. Charles and his team go above and beyond and are truly invested in your experience. You will feel like part of their...
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Reply from Neighborhood Loans Charles Garneau
August 16th, 2026 08:15 PM
Thank you so much Lorea, this means a lot to us! So proud of you and the family for jumping through all the hoops. Congratulations on your soon to be new compound!
Neighborhood Loans Charles Garneau has received a review with 5 star rating from JN&A
Reply from Owner
August 16th, 2026 08:16 PM
Thank you so much for taking the time to give us a quick review, we appreciate your trust!
Excellent work, quality, speed and professionalism
Reply from Neighborhood Loans Charles Garneau
August 16th, 2026 08:16 PM
Thank you Julio! We hope you enjoy your beautiful new home and we are here as a resource in the meantime.
and his team were absolutely incredible to work with. They helped my wife and I get into our dream home and walked us through every little step. to help us become first time homeowne.
Reply from Neighborhood Loans Charles Garneau
August 11th, 2026 01:40 PM
Thank you so much Alex and Jolie! So glad we were a part of your homebuying journey. I know it can be stressful at times but you two were on the top of the process daily to get it done. Congratulations again!
Charles was so incredible and helped my wife and through every step to get closed and into our first home!
Reply from Owner
August 11th, 2026 01:41 PM
We are grateful for your kind words Alex. It's wonderful to hear that we could assist you and Jolie through the process of closing on your new home. If you ever need anything in the future, please don't hesitate to reach out.
If I could give Neighborhood Loans 10 stars, I would! They made our refinancing process very seamless. They were accommodating, professional, and went above and beyond throughout the entire experience!
Reply from Neighborhood Loans Charles Garneau
August 11th, 2026 01:42 PM
You are amazing Patrick! I know it can be a daunting process but you navigated it with us seamlessly. We will be here for you in the meantime if you had any additional questions
Extremely helpful, insightful, and patient with my wife and I on our first time purchase. Would highly recommend.
Reply from Owner
August 16th, 2026 08:17 PM
Thank you Josh for trusting us every step of the way. Enjoy your stunning new home and feel free to reach out to our team if you have further questions or need any referrals from our referral list of contractors
Extremely helpful, insightful, and patient with us on our first time purchase.
Reply from Neighborhood Loans Charles Garneau
August 16th, 2026 08:18 PM
Thank you Janet, we so appreciate you :) You guys were on top of every step of the process.
Charles at Neighborhood Loans in Lakeland, FL was outstanding throughout my entire home loan process. From the very beginning he was clear, responsive, and genuinely invested in helping me succeed. He took the time to walk me through every...
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Reply from Owner
August 16th, 2026 08:20 PM
Thank you so much for the kind words Bill! This was a challenge at the very end and you managed the stress of it with determination and persistence. Congratulations on your beautiful home and feel free to lean on us if you had further questions...
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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
Down Payment Assistance
Conventional Home Loan
USDA Loans
DSCR Loans
Investor Mortgages
Home Equity Loan
Bank Statement Loans
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
Disclaimer: All information provided is deemed reliable but is not guaranteed and should be independently verified. The accuracy of all information is not guaranteed and should be independently verified through personal inspection and/or with the appropriate professionals. All representations are for informational purposes only and are subject to errors, omissions, or changes without notice.