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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
My husband and I just bought our first home. We had no idea what to expect and had so many questions/concerns. Charles, Doug and the rest of the team exceeded our expectations. We had issues with an assistance program that ended up making us...
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Reply from Owner
May 26th, 2026 05:11 AM
Thank you so much Ashley! You two breezed through the process even though there were a lot of hoops to jump through. Super proud of you two. Enjoy your beautiful new home :)
Very good experience service was excellent!
Reply from The Charles Garneau Team - Neighbor...
May 25th, 2026 11:27 PM
We so appreciate your positive feedback Daniel! Thank you again for trusting us along the way. Enjoy your beautiful new home and do not hesitate to reach out to us as we are a great resource!
Wonderful people and well organized machine. Thanks a bunch for making the transaction so easy and seamless.
Reply from Charles Garneau
May 25th, 2026 11:33 PM
Thank you again for trusting us along the way Lauren! You were on top of the process too so it was a teamwork effort. Enjoy your stunning new property and feel free to reach out if you had any questions.
The team was very responsive. They always answered our questions when they were asked. The team was also great at getting us information and approved rapidly.
Reply from The Charles Garneau Team - Neighbor...
May 1st, 2026 05:47 PM
Hey Sam! Thank you for the kind words! We hope you and Alexis enjoy your new home!
Everyone at Neighborhood Loans was helpful in each step of the process. The entire process was easy to follow with their website. They communicated well through texts and phone calls.
Reply from Charles Garneau
May 1st, 2026 05:48 PM
Hey Melissa, I am so happy that the process was easy for you! You and Stephen enjoy your new home!
Perfection! Charles and his team are absolutely the best in every possible way
Reply from Charles Garneau
May 1st, 2026 05:49 PM
Joe, you are the best! Thank you for always making us laugh along the way!
Charles and his team provided an excellent experience from start to finish. They were professional, responsive, and made the entire process smooth and efficient. Communication was clear, and they guided me through every step with confidence....
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Reply from The Charles Garneau Team - Neighbor...
May 1st, 2026 05:52 PM
Nico, I'm very grateful for your kind words and for placing your trust in our team. Thank you for recommending us, we look forward to assisting anyone you send our way!
I want to said thanks to all membersfor being there for me. I really appreciate it all the help you have provided me.
Reply from The Charles Garneau Team - Neighbor...
May 1st, 2026 09:23 PM
You are very welcome Carmen! You and Roman enjoy your new home!
Charles has been great. I would 100% recommend him.
Reply from Charles Garneau
May 1st, 2026 09:28 PM
Thank you, Michael and Jennifer, we always appreciate a recommendation!
Great customer
Reply from Charles Garneau
May 1st, 2026 09:29 PM
Thank you Kathryn and Jimmy! Enjoy your new home!
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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