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Neighborhood Loans Charles Garneau - Mortgage Loan Originator NMLS # 1466345 in Lakeland, FL
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Neighborhood Loans Charles Garneau

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Mortgage Loan Originator NMLS # 1466345

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Florida Southern College
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
Mortgage
Mortgage Loan Officer
Company Logo
Florida Southern College
Florida Southern College
Contact Info
(863) 940-4875
Lakeland, FL
https://neighborhoodloans.com/charles-garneau/
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
  • google
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    Kristine P
    Posted on September 14th, 2026 03:41 PM
    It was a pleasure working with Charles’ team! They were great with communication and always kept my buyers and me up to date on the status of the loan. I really appreciate all of their hard work and dedication in helping get my buyers to the...
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    Kristopher L D
    DOVER, FL
    Posted on September 13th, 2026 12:02 PM
    Fantastic experience
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    Logan
    Posted on September 11th, 2026 08:02 PM
    Neighborhood Loans Charles Garneau has received a review with 5 star rating from Logan
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    Anthony M
    HAINES CITY, FL
    Posted on September 9th, 2026 12:49 PM
    Thanks for all your help and guidance with my real estate investment portfolio.
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    Nathan B
    Posted on September 6th, 2026 12:24 PM
    Very personable , and thorough. This is my third time using Charles and his team, and I wouldn’t imagine using anybody else!
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    Nathan R B
    HAINES CITY, FL
    Posted on September 6th, 2026 12:22 PM
    This was my third time using Charles and his team, we keep coming back becuase they deliver absolutely everytime . Charles is very personable and we love the fact he is our resource for anything through the entire process. The team makes you...
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  • Encompass
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    Jessica P
    Lakeland, FL
    Posted on September 5th, 2026 12:46 PM
    The Charles Garneau team is elite! At each step of the lending process, Charles, Tara, and the rest of the team were communicative, friendly, and always professional. They answered my questions in a timely manner (sometimes before I even asked!)...
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    Kendra W
    Posted on September 2nd, 2026 02:10 PM
    Staff was very helpful and friendly. Was able to answer all my questions as a first time homebuyer. Would not have asked for a better loan company.
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    Bryan G
    Posted on August 30th, 2026 11:52 AM
    Neighborhood Loans Charles Garneau has received a review with 5 star rating from Bryan G
  • Encompass
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    Bryan E G
    LAKELAND, FL
    Posted on August 30th, 2026 11:52 AM
    Working with Neighborhood Loans and Charles Garneau made the entire mortgage process seamless and stress-free. From start to finish, the communication was top-notch, with clear answers to every question and prompt updates at each stage of the...
    read more
    • 10 of 322
    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 College
      Economics
      Florida Southern College logo
    Positions
    • Legacy Mutual Mortgage - Loan Originator
      Jul 1st, 2023 - Feb 28th, 2025
    • The Mortgage Firm - Loan Originator
      Nov 3rd, 2014 - Jul 1st, 2023
    Memberships
    • MBS Highway
    • Rotary Club of Lakeland
    • Social Indoors Club
      • View All
    Addresses and Serving Areas
    Primary Serving Area
    Lakeland,FL
    Other Serving Areas
    Highland City,FL
    Plant City,FL

    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
      • View All
    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