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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 and his team are the absolute best at what they do. I’ve worked with numerous lenders in my career but NONE like Charles. If you have the opportunity to work with Charles and his team consider yourself blessed as you are in the best...
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Reply from Owner
June 4th, 2026 06:39 PM
Wow—1000/10? I may have to print that out and frame it in the office! 😁Seriously, thank you for such an incredible review. Coming from someone who has worked with as many lenders as you have, that means a lot. It's been a pleasure working...
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Charles and his team was very helpful and did everything in their power to make our process go as smooth as possible! We would recommend them to anyone.
Reply from Owner
June 8th, 2026 09:21 PM
Thank you Linda! It was a long time coming and we were so happy to help you and your family get across that finish line and into your new home!
Charles Garneau and his team here in Lakeland are truly exceptional. Their level of service, communication, and professionalism is second to none. From start to finish, they keep everyone informed, answer questions quickly, and make the lending...
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Reply from Owner
June 8th, 2026 09:23 PM
Wow, thank you so much for this amazing review! It truly means a lot to me and the entire team.We're passionate about making the lending process as smooth and stress-free as possible, so hearing feedback like this is incredibly rewarding. We...
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Charles and his team are great. Their communication is exactly what you need when searching for a lender. Even on weekends they will show up and do what needs to be done
Reply from Owner
June 8th, 2026 09:24 PM
Thank you Destiny! We know that real estate never sleeps, so we try to always be available!
Working with Charles and his team was an outstanding experience from start to finish. They handled every step of my homebuying process with professionalism, efficiency, and clear communication. Everything was explained thoroughly, and they...
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Reply from Owner
June 8th, 2026 09:26 PM
Thank you so much for taking the time to write this review! Reading comments like this is exactly why we love what we do.It was a pleasure helping you through the homebuying process, and I'm so glad we were able to make everything feel smooth...
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Professional Integrity. These folks are absolutely spectacular. Right from the beginning, and throughout the entire process, I felt like I had a team of friends who happened to be in the mortgage business. I don't think I called even one time...
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Reply from Owner
June 8th, 2026 09:27 PM
Wow, thank you for such an incredible review!First, we'd like to confirm that yes, we are real people and not an AI-powered phone tree disguised as a mortgage company. 😄It was truly a pleasure working with you, and we're so glad you felt supported...
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Charles and his team have been excellent to work with! I have personally purchased two properties with them, and as a realtor many many of my clients have used Charles and his team as well. They answered all of my questions and late night emails...
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Reply from Owner
June 8th, 2026 09:28 PM
Thank you so much for the kind words and for trusting us not just once, but twice with your own home purchases!It's been an absolute pleasure working with you both as a client and as a Realtor. We truly appreciate the confidence you've placed...
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The team was wonderful!! They were friendly and professional. They kept me abreast as to which forms I had to complete in a timely fashion. They gave me advice on what to do with my next steps to move forward. I mostly dealt with Charles and...
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Reply from Owner
June 8th, 2026 09:29 PM
Thank you so much for the kind words! It was a pleasure working with you, and we're so glad we could help make the process smooth and keep you informed every step of the way.Haley and I truly appreciate the shoutout, and a big thank you to...
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Neighborhood Loans made what can be a stressful process feel organized and manageable. Communication was consistent, timelines were clearly explained.Their attention to detail and commitment to seeing this loan through to closing truly stood...
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Reply from Owner
July 1st, 2026 08:30 PM
Zaoris, thank you so much for this thoughtful review! I really appreciate you recognizing the communication and attention to detail—that’s something we work hard on every day. I’m glad we could help keep everything organized and get you to...
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Words can not express how grateful we are to have worked with you all. You all made the home buying experience amazing!! Thank you Charles, Doug, Ashley and the rest of the team for all your hard work!!
Reply from Owner
July 1st, 2026 08:31 PM
Candy, thank you so much—this really means a lot to all of us. I’ll be honest, reviews like this are exactly why we do what we do. Doug, Ashley, and the whole team were really happy to be part of your journey, and I’m especially grateful you...
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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