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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
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
Neighborhood loans is an awesome company with the kindest and most friendly people ever! They all were very sweet and made sure to answer any and all questions we had and made sure we understood the process!
Reply from Owner
August 16th, 2026 08:41 PM
That is so kind of you Cheyenne, thank you! We loved working with you every step of the way as well and we are so proud of you for jumping into homeownership. We will be here if you ever need us!
Neighborhood loans is an awesome company with the kindest most friendly people ever. Everyone who help us was very sweet and answered any and all questions we had and made sure we understood the process!
Reply from Neighborhood Loans Charles Garneau
August 16th, 2026 08:42 PM
Thank you Cheyenne, we appreciate you so much! You were so positive every step of the way and we were privileged to be a part of your homebuying process.
Neighbourhood Loans made the process stress-free and very easy through the whole process. If you had any questions they would be there to have at all times. If they don’t have the answer for you right away, they will get with who may have the...
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Reply from Owner
August 16th, 2026 08:44 PM
Thank you so much Thomas for trusting us! We know the process can be a lot and you stayed on top of it every step of the way. We appreciate you so much and will be here for you if anything else pops up.
neighbourhood Loans made the process stress-free and really easy very responsive. If you had any questions they would answer the best I can but they don't have to answer right away. They will get with you too right away. The workers are very...
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Reply from Neighborhood Loans Charles Garneau
August 16th, 2026 08:44 PM
Thank you so much Thomas for trusting us! We know the process can be a lot and you stayed on top of it every step of the way. We appreciate you so much and will be here for you if anything else pops up.
Thank your team for us awesome job
Reply from Neighborhood Loans Charles Garneau
August 16th, 2026 08:46 PM
Thank you Stephen, we appreciate your trust for this important process!
Charles has always been wonderful to work with. He is positive, professional and thorough throughout the entire process. I am a repeat customer and will use Charles again for any future investment properties.
Reply from Charles Garneau
August 16th, 2026 08:48 PM
Thank you Rhet and Laura, we appreciate you so much! Thinking of us 5-6 years after our very first conversation means a ton. We will be here for you next time as well. Congrats on your refinance!
Charles and the team at Neighborhood Loans were amazing! As first-time homebuyers, the process could have felt overwhelming, but they made everything incredibly easy. They did an excellent job walking us through every step, always taking the...
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Reply from Owner
August 16th, 2026 08:50 PM
Thank you so much Chris! We appreciate you both for your trust and we are so happy for you on your new purchase. We will be here as a resource if you ever need a referral or simply questions about your mortgage. Congratulations again!
Charles and the team at Neighborhood Loans were amazing! As first-time homebuyers, the process could have felt overwhelming, but they made everything incredibly easy. They did an excellent job walking us through every step, always taking the...
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Reply from Neighborhood Loans Charles Garneau
August 16th, 2026 08:50 PM
Thank you so much Chris! We appreciate you both for your trust and we are so happy for you on your new purchase. We will be here as a resource if you ever need a referral or simply questions about your mortgage. Congratulations again!
I recommend Neighborhood Loans 100%. I had the best home buying experience. It was simple and we had a quick closing. Thank you Charles and team for a job well done!
Reply from Owner
July 10th, 2026 03:46 PM
Thank you so much for the kind review, Kim! It was truly a pleasure working with you and Angel throughout your home financing journey. We wish you both nothing but happiness and success in this next chapter. Remember, we're always here whenever...
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I recommend Neighborhood Loans 100%. It was the best home buying experience. Everything was simple and very quick closing. Thank you Charles and team for the great job done!
Reply from Charles Garneau
August 16th, 2026 08:53 PM
Thank you so much Kimberly and Angel, we appreciate you so much. So sorry again for the post closing docs we needed to bug you with. Congratulations on your stunning new property!
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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