Top 5%
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
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Charles at Neighborhood Loans in Lakeland, FL was outstanding throughout my entire home loan process. From the very beginning he was clear, responsive, and genuinely invested in helping me succeed. He took the time to walk me through every...
read more
Reply from Owner
August 16th, 2026 08:20 PM
Thank you so much for the kind words Bill! This was a challenge at the very end and you managed the stress of it with determination and persistence. Congratulations on your beautiful home and feel free to lean on us if you had further questions...
read more
Charles was outstanding throughout my entire home loan process. From the very beginning he was clear, responsive, and genuinely invested in helping me succeed. He took the time to walk me through every step, answered my questions thoroughly,...
read more
Reply from Neighborhood Loans Charles Garneau
August 16th, 2026 08:22 PM
Thank you William, we appreciate your hard work during the process. What should have been a simple process turned into a complicated scenario and you handled it very professionally. Congrats again!
My frend ship with Halie and her guidance was so helpful. And her helpfulness with the technical things were priceless to me I couldn't have done it without her. Truly one in a million. Everyone needs to needs to contact her for the journey...
read more
Reply from Charles Garneau
August 16th, 2026 08:25 PM
Thank you so much for trusting us Anthony! We know the process can be overwhelming but you stayed on top of it with us every step of the way. We appreciate your trust and we will stay here for you as additional questions pop up. Congratulations...
read more
Haley was my rock in this process I could have not done it with out her I still lean on her after my closing and with my challenges
Reply from Owner
August 16th, 2026 08:26 PM
Thank you so much Anthony!! Everyone has challenges, but it's all about how you face them. You crushed the process and we are super proud of you for jumping through all the hoops of the homebuying process.
Charles, Chey, and Doug, thank you so much for your help navigating the home buying process. We thought it would be so hard to accomplish but the team truly made it a breeze. 10/10 communication, very informative, kind people! We would do it...
read more
Reply from Owner
August 16th, 2026 08:35 PM
Thank you Gina and Nick, we are so grateful for you! Congratulations again!
Charles, Chey, Doug, the whole team, is just absolutely amazing!! They have 10/10 communication, always answer calls and texts prompty, and got us in our home as quick as humanly possible! Awesome people, and a great team. We can't thank them...
read more
Reply from Neighborhood Loans Charles Garneau
August 16th, 2026 08:35 PM
Thank you Gina and Nick, we are so grateful for you! Congratulations again!
Buying our first home was one of the biggest milestones of our lives, and like many first-time homebuyers, we were nervous about the process. People always say buying a home can be overwhelming and stressful, but Charles Garneau and his incredible...
read more
Reply from Owner
August 16th, 2026 08:37 PM
We are so proud of you Barbie! You deserve this beautiful property and did so well on the equity from the get go. We will be here for you as a resource in the meantime if you need us. Congratulations again!
Buying our first home was one of the biggest milestones of our lives, and like many first-time homebuyers, we were nervous about the process. People always say buying a home can be overwhelming and stressful, but Charles Garneau and his incredible...
read more
Reply from Neighborhood Loans Charles Garneau
August 16th, 2026 08:39 PM
Barbara, I'm so glad to hear that your home-buying experience with us was smooth and exciting. It's truly rewarding to know that our team could provide the support and guidance you needed during such an important time. Thank you for your kind...
read more
Excellent service and helpful
Reply from Charles Garneau
August 16th, 2026 08:39 PM
Thank you Mohammed and congrats on your property! Glad you were able to find a solid deal in this tough economy. We are here for you as a resource in the meantime if you need us
Charles and his team were outstanding. Always courteous and professional. They guided us through the loan process with great care and precision. My wife and I can't thank them enough.
Reply from Charles Garneau
August 16th, 2026 08:40 PM
Thank you Fred and Debra! I know this was a challenging process with the move down to Florida but you two stayed on top of the process from day one. Congratulations again and welcome to the Sunshine state!
41–50 of 329
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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
View All
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
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