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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
Great experience. Everyone was kind and helpful.
Reply from Neighborhood Loans Charles Garneau
July 10th, 2026 03:47 PM
Thank you so much for the kind review, Brittany! It was an absolute pleasure working with you, and we're so grateful we had the opportunity to be part of your homebuying journey. We hope your new home is filled with countless wonderful memories...
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It was a good experience.
Reply from Neighborhood Loans Charles Garneau
July 7th, 2026 06:16 PM
Thank you Brady and Cynthia! We hope you are enjoying your new home!
Neighborhood Loans Charles Garneau has received a review with 5 star rating from Vic J
Reply from Owner
August 16th, 2026 08:54 PM
Thank you so much for trusting us Vic! We app[reciate you so much!
Professional, patient and compassionate guidance from all team members.
Reply from Charles Garneau
July 7th, 2026 06:17 PM
Thank you for the kind words! We hope you and Victoria are loving your new home and thank you for trusting us along the way!
Great folks. Patient and professional even with a customer that wasn't always the easiest to deal with, me.
Reply from Owner
July 7th, 2026 06:21 PM
Jeff, thank you so much for the awesome review! And hey… I’m going to disagree with you on one thing... you were nowhere near our “most challenging customer” list. 😂 We appreciate you and please let us know if we can help you and Doris in...
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Charles was easy to deal with. Throughout the whole process, he and his team were there to answer any questions or concerrns. We were able to save a substantial amount by refinancing our home. Charles listened to our situation and was compassionate...
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Reply from Neighborhood Loans Charles Garneau
July 6th, 2026 03:49 PM
Thank you so much for your incredible review, Doris! It truly meant so much to us that you trusted us to be a part of your journey. Being able to help you with the financing of your home was an honor, and we're grateful for the opportunity...
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My husband and I bought our first home with you guys. Since we had never gone through the process it was terrifying! but charels and his team made the process to smooth and provided clear answers and further direction as we moved along. We...
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Reply from Charles Garneau
July 6th, 2026 03:51 PM
Wow! Thank you so much for such an incredible review. Your kind and uplifting words truly mean the world to us. We know that buying a home is one of the biggest financial decisions you'll ever make, and we're so grateful you trusted us to guide...
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I can't thank Charles and the rest of the team enough for all the help on our purchase. Unparalleled experience that was seamless from start to finish
Reply from Charles Garneau
July 6th, 2026 03:53 PM
Thank you so much for the amazing review! It truly meant the world to us that you trusted us to help with such an important milestone. Being able to celebrate this moment with you made it even more special, and we're so grateful we had the...
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Charles and his team are second to none. Always available, professional and honest. What more can you ask for?
Reply from Owner
July 7th, 2026 06:23 PM
Oscar, thank you for the incredible review! “Second to none” is a pretty big compliment… now we just have to figure out how to fit that on a business card. 😂Seriously though, our goal has always been to be there when our clients need us, keep...
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Dealing with Charles and his crew was a very pleasant experience. They were always available and quick to respond. Professionalism second to none.
Reply from Charles Garneau
July 6th, 2026 03:55 PM
Oscar, thank you so much for the kind review! It was an absolute pleasure working with you, and clients like you are the reason we love what we do. We truly appreciate the trust you placed in us throughout the process. We wish you nothing but...
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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