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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
Neighborhood Loans Charles Garneau has received a review with 5 star rating from Gary M
Reply from Owner
July 1st, 2026 08:31 PM
Gary, thank you so much for the 5-star review! I really appreciate you taking the time to leave this. It was a pleasure working with you, and I’m grateful you trusted our team with your home loan. Congratulations again, and we’re always here...
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The Charles Garneau Team at Neighborhood Loans was amazing to work with. They guided me through every step of the loan process, always took the time to explain things clearly, and made sure I felt comfortable and informed. Their professionalism,...
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Reply from Owner
July 1st, 2026 08:32 PM
Linette, thank you so much for this thoughtful review. I really appreciate you taking the time to share it. It was truly a pleasure working with you, and I’m glad we could help make the process feel clear and comfortable every step of the way....
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Charles and his team did a spectacular job working through the process with us. Their system made the process very simple, and they provided great support and direction when needed. Haley and the rest of the team were so friendly, patient and...
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Reply from Owner
July 1st, 2026 08:33 PM
Carl, thank you so much for this—this truly means a lot to all of us. I’m really glad we were able to help make everything feel simple and supported along the way, especially with the timing around the holidays. Getting you to the closing table...
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I had the privilege to have an amazing team working in my journey to sell and purchase a home.I felt at ease because everyone in Charles Garneau Team at Neighborhood Loans had my best interest in mind. The team delivered professional, and response...
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Reply from Owner
July 1st, 2026 08:43 PM
Maria, I really appreciate you taking the time to write this—thank you. It was truly a pleasure being part of your journey. I know that’s a lot to juggle, so I’m really glad the team and I were able to make it feel a bit easier and more under...
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I honestly want to give Charles and his team at Neighborhood loans more than five stars. There patience, care, and attention to details deserves a ten!! I asked how soon I could close. I was given a date. Did my best to respond quickly to their...
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Reply from Owner
July 1st, 2026 08:44 PM
Lorrie, wow—thank you so much for this! I really appreciate you taking the time to share it. I remember how focused you were on that closing date, and I’m glad we were able to move quickly and actually beat the timeline for you.You did your...
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My agent told me that Charles and his team at Neighborhood Home Loans would make the home loan process easy. I thought, of course she would say that, but she wasn’t just saying it! This process was not cumbersome or difficult. Charles and his...
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Reply from Owner
July 1st, 2026 08:44 PM
I really appreciate you sharing this—thank you. I’m especially glad your agent gave you that confidence going into the process, and I’m even happier we were able to back that up for you.It was a pleasure working with you, and I really appreciate...
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Charles and his team are truly phenomenal! Our last mortgage provider did not offer the options or the support that we received from Charles and his team. I cannot say enough about them and highly recommend calling them for your next home purchase!...
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Reply from Owner
July 1st, 2026 08:45 PM
Barb, thank you so much for this—it really means a lot. I’m glad we were able to provide the support and guidance you needed throughout the process. That’s exactly what we aim for with every client.I really appreciate you trusting me and the...
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I've used Charles in his team for years in my real estate practice this was the first time I actually used it in his team for my own personal purchase and I have to concur with everybody I've ever recommended to Charles his team went above...
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Reply from Owner
August 24th, 2026 06:41 PM
Thank you Kevin, we appreciate your trust over the years!
Charles and his team gave my wife and I peace of mind in being able to obtain a home in this hard home-buy market. The team was with us in every step of the process and answered every question that we brought to them along the way. I highly...
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Charles and the team were all amazing through the whole loan process.
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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