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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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Communication, service and education.
Great service
Great communication
Great experience
Great knowledge
Always answered our questions promptly.
Charles is awesome to work with
Charles and the team at The Mortgage Firm were communicative, prompt, and impassioned in their work throughout our entire time coordinating our loan with them. Our family was seeking a loan with no credit history, and Charles did everything...
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everything
Charles is informative, responsive, attentive, and kind. He and his team ensured our buying experience was incredibly smooth - we truly appreciate everyone at The Mortgage Firm for their awesome work!
Charles and Jesscia went out of the extra mile!
I had many questions and all were answered quickly by phone or email.
Charles is super professional, knowledgeable, and informative. Loved doing business with him!
I am so happy with my experience and my daughter’s experience. They helped us create some great memories with this process. It was/is very special.
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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