Your Trusted Mortgage Guide
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.
Tools & Resources
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Empower your decisions with simple, helpful tools.
Mortgage Calculators
Run the numbers with confidence. Use our free tools to estimate payments, affordability, and more.
Refinance Guide
Thinking about refinancing? We’ll walk you through the process and help you decide what’s right for your financial future.
Testimonials
Hundreds of clients and real estate partners rely on our team for seamless, personalized mortgage experiences.
Trustindex verifies that the original source of the review is Google.
Beyond professional, thorough and expedient! Emanuel and Terri got my refinance through and closed in record time! I would recommend them to everyone! Can’t thank them enough!😊Posted on Google![]()
Dana Lind22 days agoTrustindex verifies that the original source of the review is Google.
We had a top-notch experience working with Choice Mortgage Group, Emmanuel St. Germain and his team. From start to finish, the entire process was smooth, quick, and transparent. They kept us informed every step of the way. Emmanuel and his team was always available to answer any questions we had. We were very satisfied with their service and without reservation would recommend them to anyone looking for a stress free mortgage experience. Laura & JoanPosted on Google![]()
Laura55Pierre46 days agoTrustindex verifies that the original source of the review is Google.
Very patient and efficient. Extremely friendly staff that made my dream come true!!!! They work quickly and make the process much more pleasant than one would perceive!Posted on Google![]()
Narisa Steinberg50 days agoTrustindex verifies that the original source of the review is Google.
Exceptional: efficient, timely, no stress....got the job done quickly! Very friendly and personable. Highly recommended.Posted on Google![]()
Fred Steinberg50 days agoTrustindex verifies that the original source of the review is Google.
I truly cannot say enough wonderful things about Adriana Bates and this mortgage company. Without them, we genuinely would not be in our dream home today. Our home is a unique property, and throughout the process we heard “no” from so many other lenders. We were starting to wonder if purchasing it was even going to be possible. Then we found Adriana, and the difference was incredible. What had seemed nearly impossible everywhere else felt like a cakewalk for her and her team. They understood how to work with a unique home, knew exactly what needed to be done, and went above and beyond to make it happen. Adriana was absolutely amazing throughout the entire process. She worked so hard for us, kept everything moving, and made us feel like she was just as determined to get us into this house as we were. This wasn’t just another mortgage to us—this was our dream home—and because of her, we actually get to call it ours. If you’ve been told “no” by other lenders, especially because you’re purchasing a unique property, please reach out to Adriana before giving up. I will forever be grateful for everything she did for us. She truly helped make a dream that felt impossible become our reality.Posted on Google![]()
Ashley Scalco58 days agoTrustindex verifies that the original source of the review is Google.
Emmanuel from Choice Mortgage went above and beyond helping my father secure his VA loan! From day one, he demonstrated deep expertise in the VA home loan process, keeping us updated every step of the way and treating my dad with tremendous respect. He made what could have been a stressful procedure feel completely seamless and stress-free. We are incredibly grateful for his dedication, integrity, and hard work. If you or a veteran you know needs a loan officer who truly cares, Emmanuel is the person to call! 5/5 stars!Posted on Google![]()
Jessica C59 days agoTrustindex verifies that the original source of the review is Google.
I can't thank Courtney enough! I walked into the mortgage process expecting to age seven years and develop an eye twitch. Instead, she showed up like she'd already unlocked all the cheat codes. At one point I stopped asking questions because I was afraid I'd interrupt whatever wizardry was happening behind the scenes. If she ever tells me she can negotiate world peace before lunch, I'm probably just going to ask what documents she needs. 10/5 Would trust her with another mortgage... and possibly a hostage negotiation.Posted on Google![]()
Seth Theriot77 days agoTrustindex verifies that the original source of the review is Google.
I've been working with Choice Mortgage since 2024, and they have been an incredible partner throughout my home-buying journey. Even before I was ready to purchase, they took the time to pre-approve me, answer my questions, and provide guidance as I navigated the process. When I finally found the right home, Emmanuel and the entire Choice Mortgage team were everything I could have hoped for - responsive, reliable, knowledgeable, and efficient. They kept me informed every step of the way and made sure everything moved as smoothly as possible so I could secure my home. Emmanuel has also helped several members of my family with their mortgages over the years, so I already knew I was in great hands. That trust and experience were reinforced throughout my own purchase. I highly recommend Emmanuel and the Choice Mortgage team to anyone looking for a lender who is professional, responsive, and truly invested in helping their clients succeed.Posted on Google![]()
Sydney Elkin78 days agoTrustindex verifies that the original source of the review is Google.
Made our home buying process (for the second time) as smooth as possible. Would recommend over and over again!Posted on Google![]()
Amanda E79 days agoTrustindex verifies that the original source of the review is Google.
We were purchasing a second home in Florida and Choice Mortgage was one of the companies recommended to us. After speaking with representatives from all of the companies, we chose Choice Mortgage as they seemed very knowledgeable and responsive. The process was smooth sailing. We were able to submit all of the required documentation through email, and we were kept apprised every step of the way. We would highly recommend Emmanuel St. Germain and his team.Posted on Google![]()
Margo Frasier86 days ago
Your Mortgage
Partner for Life
At Choice Mortgage Group, we believe home financing should feel empowering—not overwhelming. Whether you’re buying your first home or refinancing your current one, you’ll work with a licensed mortgage expert who takes the time to understand your goals and guide you every step of the way.
We’re homeowners too, and we’ve built our process to be as simplified as possible—while delivering outstanding service that exceeds expectations. Our mission? To turn your homeownership dreams into reality with honest, tailored mortgage solutions and white glove service you’ll remember long after closing day.
In the Community
South Florida is where Choice Mortgage Group started in 1995 and we like to call it home. We are devoted to the community and proud to support the following local organizations:
- Jack and Jill Center
- Boca Helping Hands
- Kristi House
- Best Buddies International
- Folds of Honor
In The News
Iran conflict's impact on spring homebuying season
National Mortgage News
March 3, 2026
Still, educating consumers and real estate sales people to break down those misconceptions will remain a part of his business plan.
Choice Mortgage Group Celebrates Major Growth Milestones, Expands Leadership Team, Attracts Brokers
PROGRESS In Lending
August 17, 2025
Choice Mortgage Group, a full-service lending firm, continues its growth path for 2025 with the addition of seasoned professionals and increased loan production.
Prepare now for refinance surge, industry veterans urge smaller brokers
Mortgage Professional America
July 21, 2025
“I think last year, everyone was waiting,” St. Germain told Mortgage Professional America. “‘Survive till 25’ was the motto of 2024. I think everyone has been constantly waiting on this, what we’re calling the turn. When that turn comes, everyone realizes there’s going to be a lot of money again, and it will be very profitable.”
Mortgage lenders bring on new C-suite leaders to steer growth
Mortgage Professional America
April 10, 2025
“It’s an exciting time for Choice, and we are thrilled to welcome Brian to our team,” said Choice CEO Emmanuel St. Germain. “We’ve set strategic, ambitious growth goals, and Brian’s experience, leadership, and customer-first mindset will help us scale while continuing to deliver the exceptional service our clients have come to expect.”
Insights for Your
Homeownership Journey
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Best Month to Buy or Sell a Home: 5 Factors That Matter Most
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Stress-Free Moving Week: 7 Easy Tips for a Smooth Move
Stress-Free Moving Week starts with a plan. While moving into a new home is an exciting milestone, the final days
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Branch Information
Branch :
Boca Raton, Florida
Address:
2424 N Federal Hwy,
Suite 100,
Boca Raton, FL 33431
Phone :
Office Hours:
Mon-Fri 8am- 6 pm