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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
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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 Josh W
Reply from Owner
August 2nd, 2024 05:25 PM
Thank you so much for your five-star review Josh!
I am beyond grateful with the great help i got from charles and his team ! As a first time home owner the team made the process go so smoothly. They were quick and on top of it !
Reply from Owner
May 23rd, 2025 12:00 AM
Thank you so much for your feedback Laura! We are glad that you had a great experience with our team!
Neighborhood Loans Charles Garneau has received a review with 5 star rating from Josh W
Reply from Owner
May 23rd, 2025 12:00 AM
Thank you so much for your five-star review Josh!
If it was for the Garneau team we would be owning our home here in florida they were awesome and great to work with
Reply from Owner
May 23rd, 2025 12:00 AM
Thank you so much for your five-star review. We are delighted to hear that you had a positive experience with our team!
The Mortgage firm crew made the whole process easy and smooth. They make sure everything is done correctly and on time.
Charles was on top of everything, and was always very clear about what was needed and when. I appreciated his organization and effort which allowed us to close so quickly!
I always received return calls quickly, even after hours.
Charles was wonderful! He was always available to answer questions, and he was very responsive.
Charles and his team maintained excellent contact, answered all questions and we were able to close on time!
He was quick and made it painless.
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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