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Neighborhood Loans Charles Garneau - Mortgage Loan Originator NMLS # 1466345 in Lakeland, FL
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Neighborhood Loans Charles Garneau

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Mortgage Loan Originator NMLS # 1466345

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Florida Southern College
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
Mortgage
Mortgage Loan Officer
Company Logo
Florida Southern College
Florida Southern College
Contact Info
(863) 940-4875
Lakeland, FL
https://neighborhoodloans.com/charles-garneau/
Location & Business Hours
Business Hours
Fri
9 AM to 5 PM
Sat
closed
Sun
closed
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Overall Ratings
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5 Star
99%
4 Star
1%
3 Star
0%
2 Star
0%
1 Star
0%
Reviews from Web
  • Persona migrate verified
    R
    Ronald E S
    Lakeland, FL
    Posted on May 14th, 2022 02:00 PM
    Additude, communication, timeliness, follow thru, excellent job knowledge, and smiles and volunteers all of the time. More specifics upon request. All positive.
  • Persona migrate verified
    M
    Martin R
    Lakeland, FL
    Posted on May 14th, 2022 01:16 PM
    The support and the information that he gave me to the end
  • Persona migrate verified
    H
    Hayward H B
    Winter Haven, FL
    Posted on May 10th, 2022 07:41 PM
    Communication 100%
  • Persona migrate verified
    M
    Monica L T
    Lakeland, FL
    Posted on May 10th, 2022 04:18 PM
    Charles made everything easy and always answered my phone calls
  • Persona migrate verified
    K
    Kearstyn H
    Auburndale, FL
    Posted on May 4th, 2022 09:30 PM
    He’s a very nice gentleman who helped answer all of my silly questions! And made the whole process easy, definitely would recommend him to anyone:)
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    Whittany L R
    Saint Petersburg, FL
    Posted on April 6th, 2022 05:09 PM
    Charles was fantastic!! So easy and wonderful to work with and very quick!!! Recommend him 100%
  • Persona migrate verified
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    David B R
    Saint Petersburg, FL
    Posted on April 6th, 2022 01:11 PM
    Charles was hyper-responsive, very professional, and worked tirelessly to get our loan to close on time, even given a short timeframe!! So thankful that Charles and his team were there to support us -- truly, without their help, our home-buying...
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  • Persona migrate verified
    E
    Enrique O M
    Winter Haven, FL
    Posted on April 5th, 2022 12:16 PM
    Everything was perfect.
  • Persona migrate unverified
    A
    Amanda J
    Posted on March 28th, 2022 04:26 PM
    Charles was amazing, he made buying my first home as easy and stress free as possible. Charles took his time to explain every step from start to finish. Absolutely wonderful experience. I would recommend him to all of my family and friends....
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  • Persona migrate unverified
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    Tori P
    Posted on March 16th, 2022 10:07 PM
    Charles was always on top of everything! Communication was outstanding! I will recommend him to anyone looking for a mortgage lendor. I was very happy working with him.
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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 College
      Economics
      Florida Southern College logo
    Positions
    • Legacy Mutual Mortgage - Loan Originator
      Jul 1st, 2023 - Feb 28th, 2025
    • The Mortgage Firm - Loan Originator
      Nov 3rd, 2014 - Jul 1st, 2023
    Memberships
    • MBS Highway
    • Rotary Club of Lakeland
    • Social Indoors Club
      • View All
    Addresses and Serving Areas
    Primary Serving Area
    Lakeland,FL
    Other Serving Areas
    Highland City,FL
    Plant City,FL

    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
      • View All
    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