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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
Sun
closed
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Reviews from Web
Explained process for applying for mortgage and buying in Florida well and answered our questions. Very pleased.
The step by step explanation that he had with us was fantastic, We are very very grateful for his guidance and expertise. He is truly an asset to your company you should be very happy to have him on the team. I will tell everyone I know that...
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The entire team were super helpful and explained things in easy to understand terms.
Charles and his team allowed my first time home buying experience to go better than I could have ever expected. Going into this process I was nervous and unsure of my possibilities. Charles walked me through every step and option. He provided...
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Charles was an absolute pleasure to work with. He was available at all hours to answer our questions and was even quick to answer on weekends. Very professional and always has the client's interest in mind. Would highly recommend reaching out...
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Charles went above and beyond throughout the entire process. As out of state buyers the process could not have been more smooth. We will highly recommend Charles and The Mortgage Firm.
Communication and experience with this process was truly unmatched!
Everyone at TMF was very helpful throughout the entire process! Highly recommend!!
Charles and the other team members I worked with made it extremely easy and transparent what I should expect and how to do everything in the process. This was my first home, and I’d honestly expected it to be a nightmare and extremely stressful,...
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He did a great job!
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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