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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
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9 AM to 5 PM
Sat
closed
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closed
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Reviews from Web
Charles did a great job. He was great to work with. He answered my questions swiftly. I felt like a customer and friend. I never felt like a number. Great job!
Reply from Charles Garneau
July 1st, 2026 08:18 PM
Todd, thank you! It really means a lot to hear that. One of my biggest goals is to make sure every client feels like more than just a loan number, so I'm glad that's exactly how you felt. I truly enjoyed working with you, and I appreciate you...
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Easiest experience we have ever had in buying a house always kept informed thru the process and willing to answer any questions great team to work with from start to finish
Reply from Charles Garneau
July 1st, 2026 08:18 PM
Troy, thank you so much! Hearing that this was the easiest homebuying experience you've had is a huge compliment. I'm glad we could keep you informed every step of the way and be there whenever you had questions. Thanks for trusting our team,...
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Truly a joy working with Charles and his team.
Reply from Charles Garneau
July 1st, 2026 08:18 PM
Donna, thank you so much! The feeling is mutual—it was truly a pleasure working with you. We appreciate you trusting our team, and we hope you're enjoying your new home. Congratulations!
Neighborhood Loans did a fantastic job for us! Charles is trustworthy and knowledgeable about each step of the process and kept us informed throughout! We highly recommend them!
Reply from Owner
July 1st, 2026 08:20 PM
Jennifer, thank you so much! It was such a pleasure getting to work with you again. The fact that you trusted me and my team a second time means more than you know. Thank you for always putting your confidence in us, and congratulations again!...
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Charles is the best; he helped us with the house in 10 days and delivered on everything he promised from the start. My wife and I recommend him 100%.
Reply from Owner
July 1st, 2026 08:21 PM
Thank you so much for the awesome review! It was a pleasure helping you and your wife, and I'm so glad we were able to get everything done for you and your family. I really appreciate your trust and your recommendation. Enjoy your new home,...
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Neighborhood Loans Charles Garneau has received a review with 5 star rating from Ale M
Reply from Owner
July 1st, 2026 08:22 PM
Ale, thank you so much for the 5-star review! We truly appreciate you trusting us with your home loan. It was a pleasure working with you, and we hope you're enjoying your new home. Congratulations!
From beginning to end, the team at Neighborhood Loans was absolutely top notch! The entire process was extremely smooth and the constant communication was refreshing. Charles and team made it look easy.
Reply from Owner
July 1st, 2026 08:22 PM
Ron, thank you! It was a pleasure working with you from start to finish. I'm really glad the communication stood out—that's something our team takes a lot of pride in. We appreciate you putting your trust in us, and I hope you're settling into...
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Charles and the people here are great! Highly recommend them to all friends and family. Thank you again for your help!
Reply from Owner
July 1st, 2026 08:25 PM
Chase, thank you so much! I really appreciate the recommendation. It was great working with you, and I’m glad we could help make the process a positive experience. Thanks again for trusting us, and congratulations on your new home!
Hailey and Charles at Lakeland's Neighborhood Loans have been amazing to work with on our clients property located at 608 Belleview Blvd in Clearwater, FL. Thank you all for your attention to details and making this transaction go very smoothly....
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Reply from Owner
July 1st, 2026 08:26 PM
Michelle, thank you so much! We really appreciate you trusting us with your clients on the Clearwater property. Haley and I both enjoyed working alongside you, and I’m glad our attention to detail helped keep everything moving smoothly. Looking...
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Charles and his team are amazing. They truly care about their clients and helping them make sure that such a big purchase, like buying a home, makes sense financially for each and every client. 10/10 if you are looking for a home loan you cannot...
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Reply from Owner
July 1st, 2026 08:28 PM
Alisa, thank you—this one really means a lot coming from you. I really appreciate how much you care about your clients too, so it makes it easy for our teams to stay aligned and get them taken care of the right way. Grateful for you and looking...
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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