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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
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM(Open now)
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Neighborhood Loans were very helpful and fast with the process of buying our house. They also made the paperwork easy to follow. I definitely recommend them!!
Reply from Charles Garneau
May 1st, 2026 09:30 PM
Thank you Stephen! We appreciate your kind words!
Easy to work with
Reply from Charles Garneau
May 1st, 2026 09:31 PM
Thank you Frank! We hope you and Rosaura enjoy your new home!
I’ve had a very positive experience with Neighborhood Loans. From the beginning, the process has been smooth, transparent, and well-organized.
Reply from The Charles Garneau Team - Neighbor...
June 1st, 2026 09:23 PM
Thank you! You were a pleasure to work with! We hope you are enjoying your new home!
Thanks to The Charles Garneau Team at Neighborhood Loans (Charles, Doug, Chey, Haley and Yajaira) we celebrate more than just a Closing Date… we celebrate Faith Over Fear, a blessing and a dream come true.Thanks to Polk County’s Down Payment...
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Reply from Owner
June 1st, 2026 09:24 PM
Thank you so much Yohara for the kind words! You are amazing, thank you for continuing to refer us!
Charles and his team was very helpful and always went above and beyond. No matter when or what questions we had they always got or found the answers for us. They always made sure we understood all that was said to us. Charles and team was friendly...
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Reply from The Charles Garneau Team - Neighbor...
June 1st, 2026 09:25 PM
Thank you! Please don't hesitate to reach out if you need anything in the future! Enjoy your new home!
Neighborhood loans were great. They helped us with everything that we had problems with.
Reply from Charles Garneau
June 1st, 2026 09:27 PM
We appreciate you and hope you enjoy your new home!
It was an absolute pleasure to work with your Team!! Thank you thank you thank you!
Reply from Charles Garneau
June 1st, 2026 09:28 PM
Awww, thank you Magdalena! You were amazing to work with! Enjoy that awesome new home!
I don't have words to said thank goodness for you guys help
Reply from Charles Garneau
June 1st, 2026 09:29 PM
We are so happy that we could help!
Charles and team was very helpful and made sure to answer all questions/concerns in a timely manor. They always went above and beyond to make sure we had everything in order all the way up to the closing table! We would recommend them to anyone!...
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Reply from Charles Garneau
June 1st, 2026 09:30 PM
Thank you Linda! It was a long time in the making and we are so happy that we got to be a part of the journey to get your family into a new home!
were extremely satisfied with Charles and the team at Neighborhood Loans and would highly recommend them
Reply from Charles Garneau
June 1st, 2026 09:30 PM
Thank you! We are so happy we could help!
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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