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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
Working with Charles and his team was a wonderful experience! They made the home buying process so easy and I really loved that they were local. I had a lot of with travel in the midst of buying a house and they were so helpful and made sure...
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Reply from Owner
December 12th, 2024 09:34 PM
Thank you, Katie!! You made it easy for us!
Charles and his team was excellent, very accommodating. Looking forward to working with him and his team again.
Reply from Owner
December 12th, 2024 09:32 PM
Thank you for the kind words!
First we want to start by saying we couldn’t do this without Charles and Chey group at legacy mutual. We went on the market to purchase a home without an agent and Zillow sent us Kevin Fisher, Kevin was the kind of person that told us that...
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Reply from Owner
September 4th, 2024 08:53 PM
Sandy it was our pleasure to be able to help you and Marco through this process! Thank you for this amazing review, your kind words about our team made our day! We are so happy we got to be at your closing and can't wait for the pictures of...
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Easiest loan ever. These guys were so on top of everything. A true joy to work with. We will never use anyone else for a home purchase. Charles and his team were amazing.
The brumbaughs
Reply from Owner
August 2nd, 2024 03:59 PM
Thank you Gailmarie and James! Your kind words about our team are really appreciated. Your review made our day!
This is an amazing team of people that were able to answer all my questions, keep me informed through the entire buying process, and worked through the unexpected issues that arose and threatened to severely delay my closing. I'm hoping not...
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Reply from Owner
August 2nd, 2024 04:09 PM
Gloria, thank you for taking the time to leave us a 5-star review. We're so happy to hear about your experience with our team. Your feedback is a great encouragement to us! We look forward to helping your family in the future!
Easiest loan ever. These guys were so on top of everything. A true joy to work with. We will never use anyone else for a home purchase. Charles and his team were amazing.
The brumbaughs
Reply from Owner
May 23rd, 2025 12:00 AM
Thank you Gailmarie and James! Your kind words about our team are really appreciated. Your review made our day!
Oh my goodness I could not sing Charles’ praises enough. Charles and his team went above and BEYOND to help us as first time home buyers. I am extremely grateful to have had a team of professionals that are excellent at what they do, have integrity...
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Reply from Owner
August 2nd, 2024 04:14 PM
Thank you Lucia! Your review made our day, your kind words about Team Charles are really appreciated. Our favorite part of the process is getting to help clients get into the home of their dreams!
We are ever so very Thankful for our first home purchase to have been with you Charles Garneau and Team. If I can give a million 🌟 we will. Professional, Kind He's for the People forsure 👌🏽 Many Blessings to you Charles and Thanks again...
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Reply from Owner
August 2nd, 2024 04:20 PM
Wow, thank you Sameerah for the million star review!! This means a lot to me and my team! We are so happy that we got to be part of the process that got you into your first home!
Charles is amazing! I have worked with him multiple times and have had nothing but great results! Can help ANYBODY😊
Reply from Owner
August 2nd, 2024 04:23 PM
Thank you so much for the review! We are here for you whenever you need us and look forward to working with you in the future!
Charles made my homebuying experience better than I could've ever imagined it would be. He talked me through every step of the process and made sure I was comfortable with not only my loan and the process as a whole. I can't recommend him enough....
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Reply from Owner
August 2nd, 2024 04:37 PM
Haley, we thank you for your encouraging words and positive feedback. It is great to know that our team exceeded your expectations.
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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