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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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Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
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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It was a wonderful experience working with your company! Three separate families in our family went through you and we will continue to recommend you to everyone!
I could not recommend Charles and his team enough! They were kind, thoughtful, and extremely responsive. They helped make our dreams come true and because of them, we bought our first house! We are forever grateful!
Everything was smooth from start to finish. Charles and team were awesome to work with, making the transaction as easy as possible.
We had never worked with any type of mortgage lenders nor did we know the process this was going to be. Charles and his team were great. I was full of questions all the time and they made me feel comfortable and less anxious throughout the...
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Reply from Neighborhood Loans Charles Garneau
September 23rd, 2026 05:38 PM
Thank you so much for the kind words! It was truly a pleasure working with you. We know the mortgage process can feel overwhelming, especially the first time around, so we’re so glad we could make things a little easier and help answer all...
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Neighborhood Loans Charles Garneau has received a review with 5 star rating from Ana
Thank you so much to Charles and his team but a special shotout to Haley for always helping explain everything and make the whole process so much smoother and easier for us. You guys were amazing at explaining and making sure we stayed informed...
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Reply from Neighborhood Loans Charles Garneau
September 23rd, 2026 05:40 PM
Thank you so much for the kind words! It was such a pleasure working with you both, and I’m so glad we could help make the process a little easier to understand. We know buying your first home comes with a lot of questions, and we were happy...
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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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Fantastic experience
Reply from Neighborhood Loans Charles Garneau
September 23rd, 2026 05:42 PM
Thank you, Logan! It was an absolute pleasure working with you and your family. We hope you cherish every moment in your new home, and we look forward to working with you again in the future!
Neighborhood Loans Charles Garneau has received a review with 5 star rating from Logan
Reply from Owner
September 21st, 2026 12:42 PM
Thank you so much for the 5-star review, Logan! We truly appreciate your support and the opportunity to help. 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