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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
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
closed
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Reviews from Web
Charles and his team went above and beyond to make sure closing went smoothly and on time. They were available anytime I had a question. Thanks again!
Charles was very personable, helpful, and knowledgeable. I would be more than happy to refer him and also work with him again in the future.
Charles explained and answered every question we had with great detail. We felt he was on our side the entire time. We will go to him for any future purchases. Thanks for everything Charles!
Charles continuously went above and beyond to make my dream of buying a property a reality! He was always available via email, phone call, and text and responded within minutes to any questions/concerns I had.
Thank you for answering any questions we had quickly. We appreciate everything you have done.
Absolute best person you can possibly have in the field. Regular and thorough communication, always proactive, answers any and all questions, goes above and beyond. First time home buyer so this was all new to me. He exceeded my highest expectations....
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This was my first time buying a home and going through the process. I’ve heard horror stories about buying a home and dealing with the lenders and underwriting. Charles and his team EXCEEDED my expectations and made the process soo smooth and...
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Very personalized approach.
Charles was always very responsive and made the entire lending process a piece of cake! We felt confident in his knowledge and ability. We’ll definitely recommend friends and family to him and The Mortgage Firm from here on out!
The communication is fantastic!! He was always so attentive to everything. He was literally there 24/7 no matter what, and would go above and beyond to make sure we had everything set. Overall, we couldn’t have had a better outcome to securing...
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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