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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
I went from thinking about buying a home to actually owning one in less then 6 weeks thanks to the advice and hard work of Charles and his team. They were there through every step of the process and made themselves available to answer my questions...
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Charles is the best!
Great communication and overall and amazingly easy process.
Treat you with respect and great knowledge went above and beyond great people
Charles is the best even though he was on a trip he went above and beyond to make sure we had everything we needed also haley was very attractive when we called and went to the office. Haley is ver knowledgeable and will be amazing in the future.Charles...
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Charles was absolutely fantastic to work with. He was knowledgeable and helped us make the right choices for us. I couldn't believe how fast he was able to get everything done! I would absolutely recommend him to anyone.
Charles and his team were very quick to respond to any questions I had and solved any problems that arose in a timely manner. Charles' team was very knowledgeable and made the process go along very smoothly. Minimal issues arose throughout...
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Charles went above and beyond to reassure me during this stressful time that everything was going smoothly. He always was very responsive and resourceful when it came to working any numbers I had questions about!
Charles communicated really well through the whole experience, answering all questions quickly and making the process easy to understand
Charles was with me every step of the way! He got me a great rate at the wire. In the end it saved me a lot of money. Thanks to Charles and his whole team for working quickly to get me approved and in my home.
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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