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.
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. Honestly the best experience with any mortgage company. They did everything in a quick professional manner. Always responsive with any questions or information. The owner was also there to assist. Would recommend them to anyone looking for a great company for purchasing their home.Posted on Cameron FloydTrustindex verifies that the original source of the review is Google. Choice Mortgage team lead by Emmanual St. Germaine were professional, friendly, and helpful. They assisted me in completing the tedious document process and answered all my questions. They worked with my schedule and were expedite in all tasks completing my loan process ahead of time. I recommend the Choice Mortgage team for you home purchase.Posted on Fred BarnesTrustindex verifies that the original source of the review is Google. This is our third mortgage with Emmanuel and his team. They are always exceptional, professional, fast, and direct. Love working with them! HIGHLY recommendPosted on Rhiannon EslahiTrustindex verifies that the original source of the review is Google. Hands down best in the business and Emmanuel and team is great and process was smooth...highly recommendPosted on Brian IkalinaTrustindex verifies that the original source of the review is Google. I've worked with Emmanuel St. Germain on several transactions, including the purchase of two homes and a refinance. Emmanuel goes above and beyond to make the process seamless, find solutions to your concerns, and to reassure you along the way. I have a great del of trust in his capacity and his work ethic. He even responded to questions I text over the weekend or in the evenings! If you want honesty and someone who will work with you to buy the home of your dreams, or to refinance at a rate that is financially smart and meets your needs, call Choice Mortgage Group and ask for Emmanuel. You won't be disappointed.Posted on A.I. GuzmanTrustindex verifies that the original source of the review is Google. By using choice, Mortgage group I was able to quickly close on a property. I want to thank Michael Kodsi for all his help in this smooth transaction. He had clear communications each time he called me and was able to help me with all my questions I had . I hope to work with him in the future. Thanks again for your professionalism and your patience.Posted on Gina HorwitzTrustindex verifies that the original source of the review is Google. I just closed on a property with Choice Mortgage as my lender and I couldn’t be more pleased with them. They were very knowledgeable and trustworthy. They guided me through the process with kindness and they were always available for any questions I had. I highly recommend Emmanuel & his team and would definitely work with them again in the future.Posted on Michele PinerosTrustindex verifies that the original source of the review is Google. Emmanuel & Team Working with Emmanuel and his team at Choice Mortgage Group was a truly seamless experience from start to finish. They were not only incredibly professional, but also extremely knowledgeable and responsive throughout the entire process. Every question I had was answered with clarity and patience, and I always felt supported and informed. Their attention to detail, efficiency, and genuine care made what could have been a stressful situation feel smooth and manageable. I highly recommend Choice Mortgage and especially Emmanuel’s team for anyone looking for reliable, expert guidance in the mortgage process. Thank you all for your outstanding service!Posted on Yolanda RodriguezTrustindex verifies that the original source of the review is Google. Incredible help throughout the process of buying my house. I highly recommend them.Posted on Rocco Stinziano
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
Insights for Your
Homeownership Journey
Fresh ideas, smart tips, and mortgage insights from our blog:
Snuggling Up – Cozy home features Winter buyers love
When temperatures drop, homebuyers naturally gravitate toward properties that offer warmth, comfort, and a welcoming atmosphere. Highlighting cozy features can
The Smart Homeowner’s Guide to Refinancing Your Mortgage
Refinancing your mortgage can be a smart financial move, potentially saving you thousands of dollars over the life of your
New Year, New Home – Goals for moving in the new year
The start of a new year is the perfect time to reflect, plan, and set meaningful goals, especially if buying
Let’s start your journey
together.
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