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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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9 AM to 5 PM
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closed
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closed
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Reviews from Web
It was one of the best purchasing experiences we have had from Buying cars to RVs everything was smooth we were kept informed the videos Charles has along the way were well done very informative very few questions that were not answered in...
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Reply from Owner
July 1st, 2026 08:29 PM
Troy, thank you so much! I really appreciate that. I’m glad the video updates were helpful—that’s something we try to do to make everything a little clearer and less stressful along the way. It was a pleasure working with you, and I’m grateful...
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Doug and Charles at Neighborhood Loans was outstanding, I would give them 10 stars if I could! They helped me secure a mortgage with very favorable terms, and I was able to purchase my dream home. They took the time to understand my financial...
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Reply from Owner
July 1st, 2026 08:30 PM
Thank you so much for this—it really means a lot. Doug and I truly enjoyed working with you, and I’m glad we were able to help you secure great terms and get you into your dream home. We always try to take the time to understand each client’s...
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⭐“Charles and his team of professionals was fantastic to work with! They were always available to answer questions, provided timely updates, and worked diligently to keep the transaction moving forward. Their attention to detail and commitment...
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Reply from Owner
June 4th, 2026 06:42 PM
Ashley, thank you so much for taking the time to leave this review!It was truly a pleasure working with you on this transaction. Anyone who has been in this business long enough knows that a great Transaction Coordinator is worth their weight...
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Great experience - very helpful!
Reply from Owner
June 8th, 2026 09:20 PM
Thank you! We loved working with you!
Charles Garneau and the team at Neighborhood Loans did a phenomenal job in our home refinance! Even when some surprises came up during the process, solutions were determined right away. I felt my best interest was a priority each step of the...
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Reply from Owner
June 4th, 2026 06:20 PM
Thank you so much Darrin for all the hard work you put in! We appreciate you and are so happy to have been able to help!
Made it easy to make it happen for us. Would refer Neighborhood Loans to family and friends
Reply from Owner
May 26th, 2026 05:11 AM
Appreciate you so much Angie ! Thank you both again for trusting us. So glad you moved forward when you did. That program helped your payments and cash to close big time. Congratulations again and let us know if you have any questions.
Incredible experience from the first call! The entire team was extremely helpful, knowledgeable and quick to respond. We are currently living overseas and moving to the South Tampa area and they walked us through a very complicated closing...
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Reply from Owner
May 26th, 2026 05:11 AM
Thank you Kate and Gabriel for giving us an opportunity to help you both! Congratulations on your incredible purchase in Tampa. We are here as a resource moving forward and thank you again for serving our country, we appreciate you more than...
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Charles and his team were super pleasant and helpful throughout the entire process!Their kind and informative approach to all of my questions is something that I loved the most.They were also very flexible with me and my husband's tight work...
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Reply from Owner
May 26th, 2026 05:11 AM
Thank you so much for the kind words Sarah and Anthony! So proud of you for making the jump into homeownership so early in life. I know there was a lot of paperwork along the way but you made it through. Very grateful for your trust. Enjoy...
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The professionalism of Neighborhood Loans is off the chain. Members of the team are very personable and efficient. My experience was delightful and worry free. I would like to thank Charles Garneau and his team for a excellent experience!
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Reply from Owner
May 26th, 2026 05:11 AM
Donna, we appreciate you so much! You so deserve to be into YOUR home!! Honored we had the opportunity to help you twice with your loan. Enjoy your home!!
Charles and his team made the home financing process very easy. They offered many products and helped us pick the right loan option for us. We appreciated the personalized service and their availability to answer our questions at any hour of...
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Reply from The Charles Garneau Team - Neighbor...
May 25th, 2026 11:17 PM
Thank you so much for taking the time to leave us a review Mayra and Philip! The team was also raving about how on top of the process you two were. Congratulations on your beautiful new home and thank you for trusting us, we were honored to...
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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