Emmanuel St. Germain

Chief Executive Officer

Helping homebuyers and homeowners navigate
every step with clarity and care.

NMLS# 327176
(561) 400-7317
estgermain@choicemortgage.com

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

to Support Your Journey

Empower your decisions with simple, helpful tools.

Homebuying Guide

Your path to homeownership—broken down step by step.

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.

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:

Insights for Your
Homeownership Journey

Fresh ideas, smart tips, and mortgage insights from our blog:

Let’s start your journey
together.

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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

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