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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
Charles Team was a pleasure to work with. Communication is exceptional and exceeded my expectation. The team especially Haley was patient, kind, and very informative throughout the proces. i had a great experience and would definitely recommend...
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Reply from Charles Garneau
June 1st, 2026 09:31 PM
Thank you Shantell! You were on top of everything from the beginning, and were a pleasure to work with. Enjoy your new home!
Charles & team were amazing to work with! Everyone took the time to answer my questions and make sure I really understood what was happening and what I should expect. When curve balls were thrown the team was super agile and equipped with backups...
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Reply from Owner
June 4th, 2026 06:26 PM
Thank you so much for the kind words! We loved working with you and hope you enjoy your new home!!
Doug and Charles are rock stars. You always need rock stars on your team and these guys are it.
Reply from Owner
June 4th, 2026 06:28 PM
Thank you so much for the kind words! Doug and I really appreciate it.Being called a rock star is a pretty high bar...I may need to start practicing my autograph and looking for a tour bus. 😄In all seriousness, it was a pleasure working with...
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Neighborhood Loans Charles Garneau has received a review with 5 star rating from Susan C
Reply from Owner
June 4th, 2026 06:29 PM
Thank you Susan! Enjoy your new home!
I recently financed my new home through Neighborhood Loans and am extremely pleased with their professionalism and service. Charles and his team did an excellent job and made the process very smooth…I especially appreciated the video updates...
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Reply from Owner
June 4th, 2026 06:30 PM
I'm thrilled to hear that you found the process smooth and that the video updates were helpful. My goal is always to keep clients informed and make what can sometimes feel like a complicated process as simple and stress-free as possible.Congratulations...
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The Charles Garneau Team at Neighborhood Loans made the entire loan process simple and stress-free. They were always available to answer questions, explain details clearly, and provide guidance. Thanks to them, everything went perfectly, and...
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Reply from Owner
June 4th, 2026 06:32 PM
Thank you Thinesh! Buying a home comes with plenty of moving parts, so we're always happy to answer questions, explain the details, and help make everything as stress-free as possible. I'm glad we could help make the journey a smooth one for...
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Charles and his team are super easy to work with. Their website and their methodology is very thorough so you can be sure that you can qualify for the right amount of money that you need. Once we provided all of the info, a bunch of loan possibilities...
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Reply from Owner
May 26th, 2026 05:11 AM
Thank you so much Mayra and Philip for your kind words! We appreciate your trust in us and congratulations on your beautiful new home!
From start to finish, Charles and his team were amazing! They helped us every step of the way through the loan process and were super quick to answer any questions we had. It was such a smooth experience and honestly the least stressful part...
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Reply from Owner
June 4th, 2026 06:33 PM
Thank you so much for the kind words! It was truly a pleasure helping you through your home-buying journey.I'm especially happy to hear that the loan process ended up being the least stressful part, that might be one of the best compliments...
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As a real estate agent, I’ve worked with a lot of lenders over the years, and Charles Garneau and his team at Neighborhood Loans are truly in a league of their own. I’ve partnered with Charles for many years, and he consistently delivers at...
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Reply from Owner
June 4th, 2026 06:37 PM
Dani, thank you so much for this, it truly means a lot coming from you.We've worked together for a long time, and I've always appreciated not only our professional partnership but also our friendship. You've built your business by putting your...
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They explained everything we needed to know and if we had questions they were quick to answer.
Reply from Owner
June 4th, 2026 06:37 PM
Thank you Justin! We hope you are enjoying 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