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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
Five stars for Charles Garneau! He was always helpful, patient, and available to answer any questions I had. Charles explained everything clearly and made the whole process much easier. He was professional, friendly, and always treated me like...
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Reply from Owner
July 2nd, 2026 07:25 PM
Thank you so much for your kind review, Patricio! It was an absolute pleasure working with you throughout the homebuying process. Thank you for being so responsive and wonderful to work with every step of the way. We hope you make countless...
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I want to give Charles Garneau a five-star review for all his incredible help and support throughout the entire process. Charles was always patient, professional, and took the time to explain every detail clearly, making sure we understood...
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Reply from Neighborhood Loans Charles Garneau
July 2nd, 2026 07:27 PM
Wow! Thank you so much for your incredibly kind review, Patricio. It was truly an honor to help you through the homebuying process and be part of such an exciting milestone. We know choosing a lender is a big decision, so your trust and thoughtful...
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I found a home and initiated the purchase process during the last few days of Nov. last year, with the original plan to close in Jan. Charles and the Neighborhood Loans team offered a Dec. close date if it worked for me, even when it meant...
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Reply from Neighborhood Loans Charles Garneau
July 1st, 2026 08:34 PM
Martha, I really appreciate you sharing this—thank you. I remember how fast everything moved for you around the holidays, and I’m glad we were able to step in and make that earlier closing happen without adding stress on your end.Also, I know...
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Charles Garneau and his team at Neighborhoo d Loans has your best interest at heart in your journey to purchase your home. It's impressive the professionalistmos and courteous, and knowledge they have.
Reply from Neighborhood Loans Charles Garneau
July 1st, 2026 08:14 PM
Maria, thank you so much for your kind words! It was a pleasure helping you through your homebuying journey. I'm so glad you felt supported by our team. Congratulations on your new home, and thank you for trusting us!
Charles and he's team are very professional! Treat us like family!!
Reply from Owner
July 2nd, 2026 07:29 PM
Thank you so much for your review, Angel! It was truly a pleasure working with you. We strive to treat every client like family because we know purchasing a home is one of the biggest financial decisions you'll ever make. We wish you nothing...
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Working with Charles and he's team is super smooth, easy and reliable. Charles treated me like a friend, like family. Every step we took , he was there to guide us.
Reply from Charles Garneau
July 1st, 2026 08:14 PM
Angel, thank you so much! It was a pleasure working with you. I'm glad we could make the process smooth and easy, but what means the most is that you felt like family—that's exactly how we want every client to feel. Congratulations again, and...
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We were referred to this mortgage team, and was very satisfied with everyone's efforts and efficiency in the entire proces. We even had an unusual timing situation, and everyone made the extra effort to make sure that thewhole process went...
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Reply from Charles Garneau
July 1st, 2026 08:15 PM
Cynthia, thank you! I know your transaction had a few extra moving pieces, so I'm really happy we were able to keep everything on track. Our team works hard to make the process as stress-free as possible, and I'm glad that showed. We truly...
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Excellent service. Monica Young kept us informed every step of the way. Smooth and effortless transaction. Definitely 5 stars!
Reply from Charles Garneau
July 1st, 2026 08:16 PM
Denise, thank you so much for the 5-star review! I'm especially glad Monica made you feel informed every step of the way—that's exactly the experience we want every client to have. We truly appreciate your trust and are grateful we could help...
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charles and his team were amazing
Reply from Charles Garneau
July 1st, 2026 08:17 PM
David, thank you for the 5 stars! We really appreciate you taking the time to leave us a review. It was a pleasure working with you, and we're grateful you trusted our team to help with your home loan. Congratulations again!
Charles and his team were fantastic to work with. They stood by us during the entire house buying process, and answered all of our questions. I highly recommend Neighborhood Loans.
Reply from Charles Garneau
July 1st, 2026 08:17 PM
Leah, thank you! It was so much fun getting to be part of your homebuying journey. I know there are always plenty of questions along the way, and I'm glad we could be there whenever you needed us. We really appreciate your trust and hope you're...
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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