NMLS 2275047

Emmanuel St. Germain | CEO

Emmanuel St. Germain | CEO
NMLS# 327176
Chief Executive Officer
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Emmanuel has been a part of Choice Mortgage Group since 2008. He quickly became the top loan originator and started his mortgage team. Along his journey he was a Branch Manager and the COO.  In June of 2022 he became the firms CEO and majority owner.  As the visionary of the Company he is responsible for leading the Company and staying ahead of the industry with respect to technology and the client experience.  He prides himself on fostering an environment that allows the loan officers and employees of the Company to thrive and the referral partners of the Company to be WoW’d at every opportunity.  Emmanuel understands that buying a home or refinancing an existing mortgage can be a daunting task and quite overwhelming. His transparent mortgage process allows clients to see and understand every step of the way, from initial application to final closing.

Emmanuel is credited with pioneering the very first loan officer retirement plan that allows a loan officer to retire and continue to earn revenue based on their database and professional referrals.  The loan officer annuity program is paramount in the recruiting of soon to be retiring loan officers and loan officers looking to grow their database and network.

Emmanuel earned his BBA in Business Management from Bishops University in Lennoxville, Quebec, Canada.   Passionate about making things better, Emmanuel is an expert in taking a company from good to great and making the homebuying experience a positive one. He spends much of his spare time taking his puppy to the beach, cooking up a feast and enjoying it with a great bottle of wine, or helping others through his involvement with several charitable causes.  He currently serves as the President of Impact 100 Men, a charitable organization who serves under privileged children of South Palm Beach County.


I can't say enough about Emmanuel and his team at Choice Mortgage Group in Boca Raton! We have secured two mortgages with them and both times they have gone above and beyond. Their communication and customer services skills exceed your expectations. We hope to be refinancing in the next few years and will use Emmanuel and his team for this process.

heidi hawkins63 from Palm Beach Gardens, FL ★★★★★
As first-time homebuyers, my fiancé and I were nervous about the whole mortgage process, but Emmanuel made us feel at ease. When we first called to speak with Emmanuel about applying for a mortgage, he had us come into his office and explained what the process was going to look like. From that point forward, he spent a lot of time on the phone with us, explaining the different loan and interest options available. Emmanuel was accommodating, organized, and thorough every step of the way. It is important to trust who you are working with when purchasing a home. There were no surprises with Choice! You can most certainly trust their work.

Penny was involved with our loan, and we called her frequently to ask questions about the documents we were signing. She was always available to talk and explained everything to us, which made the process a lot less stressful.

Matt, the closing agent, was also extremely helpful throughout the process. He kept us updated every step of the way and was always available to answer any questions we had. When closing on a condominium, it can sometimes be tricky being that a lot more documentation is required with the HOA. Matt ensured that Choice obtained all necessary documents in order to close on time.

Overall, we couldn't have done this without Choice Mortgage Group. They were beyond professional, accommodating, and understanding. We highly recommend choosing Choice Mortgage Group to help you with your mortgage. They certainly will have our business again. We wouldn't go anywhere else. No one does it better than Choice Mortgage Group! We highly recommend!!!!

Thank you to all that were involved with our mortgage, we greatly appreciate everything!

Jessica Volpe from Boca Raton, FL ★★★★★
Choice Mortgage Group = EXCELLENCE. This group of folks from the CEO himself (yes, I said CEO) to the processors are all very hands on and will make the entire home buying process as seamless and worry free as possible. Why you ask? Well, when you send a text to Emmanuel and ask a question, he responds back with an answer right away! If you call Emmanuel, he picks up or at least tells you he will call you right back and never forgets to do so! In the housing buying process, you need a lender that communicates with you, fights for you, and even smooth talks the listing agent to help get you the home of your dreams.
Now, let’s talk about Leanna who has the fastest hands in the south! If you need a pre-approval letter in minutes, she is your girl. Finally, Penny Keator, one of the Loan Processors, is beyond meticulous when it comes to the underwriting of the loan. She is communicative, she is detailed oriented, and she isn’t afraid to reach out immediately with whatever document she might need to keep you loan moving forward.
Overall, this entire team from the top all the way down to the bottom exceeds all expectations and will also offer you a great rate.

To all of my FAU grads, YES, you will also be well taken care of on top of all the exceptional work mentioned above! I got an exceptional VA home loan with an FAU lender credit on top. 💯🇺🇸🔥

Myron De Sa ★★★★★


Corporate Office

2424 N Federal Hwy, Suite 100
Boca Raton, FL 33431
(561) 395-6900
(888) 216-6476

NMLS 2275047


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2424 N Federal Hwy, Suite 100 Boca Raton, FL  33431 | Phone: (561) 395-6900 Toll-Free: (888) 216-6476
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