Meet the Choice Mortgage Bank, Inc. Team:

The CTC Team: Clear to Close

Emmanuel St. Germain

Licensed Banker and Vice President of Choice Mortgage Bank, Inc. Boca Raton, Florida

I understand that buying a home or refinancing an existing mortgage can be a daunting task and quite overwhelming.  My transparent mortgage process allows you to see and understand every step of the way, from initial application to our final closing.  We customize our relationship on making the process as streamlined and service-friendly for you, the consumer. I will always be available for personal service by phone or email. Don’t settle for just any mortgage broker. Trust someone with a proven track record of honesty and integrity whose family has been in the business for over twenty years…

Your Personal Mortgage Lender

Licensed Banker and Vice President of Choice Mortgage Bank, Inc. Boca Raton, Florida

Unlike big banks and national brands that offer home loans, personal loans, auto loans, student loans, credit lines, etc. we specialize only in residential loans and mortgages, so we have the specific expertise necessary to help you obtain the best rates.

When you have a question, we’ll have the answer. You won’t have to explain your situation to someone different every time you call. Though I have a dedicated team of loan processors, when you call our office, you’ll speak with me. I believe in working one-on-one to build relationships with my clients. When I understand your needs, we can simplify the mortgage process.

Reviews on Zillow

2684101

“Emmanuel was helpful from our initial meeting through a mutual friend. He was easy to get in contact with, attentive and made the process easy. He … more
5.0/5.0
by Jamonerobinson1542

2637140

“Thank you Emmanuel St. Germain for your help and professionalism. You went above and beyond for my family. Being that we were first time buyers, He … more
5.0/5.0
by PatrickMichael3

Our Mortgage Experts

  • Emmanuel St. Germain Execute Branch Manager

    I understand that buying a home or refinancing an existing mortgage can be a daunting task and quite overwhelming.  My transparent mortgage process allows you to see and understand every step of the way, from initial application to our final closing.  We customize our relationship on making the process as streamlined and service-friendly for you, the consumer. I will always be available for personal service by phone or email. Don’t settle for just any mortgage broker. Trust someone with a proven track record of honesty and integrity whose family has been in the business for over twenty years…

  • Jared Perlman Senior Loan Originator

    A native of South Florida, Jared Perlman’s ties with the South Florida Real Estate Market go back decades to his families development of numerous shopping centers in Dade county and hotel’s throughout the United States. Jared attended the University of Florida, graduating with a Bachelor’s in Finance with a concentration in Real Estate. Jared then went on to found a technology startup focusing on improving the customer experience in dealing with small and boutique businesses. Drawing from his experiences in real-estate, finance and customer service; Jared has developed a unique approach to lending. By coupling in-depth analysis with open communication throughout the process, Jared has been able to consistently close the toughest deals and exceed client expectations.

  • Paul Richman Senior Loan Originator

    Paul was born in Philadelphia and grew up in Cherry Hill, NJ then moving to Boca Raton, FL in 1990.  Paul is a family man and is devoted to his beautiful wife and two children. With an avid love for sports, Paul has volunteered his time coaching baseball in West Boca along with the JCC Maccabi Games.  If you don’t see Paul at the baseball fields with his son, then you’ll see him at the dance studio watching his daughter dance.

    Professionally, Paul has built a solid reputation with both clients and realtors for getting the job done.  Understand how confusing the process can be, he tries to make the process as easy and transparent as possible. Clients and Realtors alike choose to work with Paul for his full service, ethics, experience and expertise.  Finance being a family cornerstone, he understands the importance of long term security and goals.  He is licensed both Federally and with the State of Florida and continues to maintain the quality and integrity of his work.

  • Richard Lopez Loan Originator

    When working on your loan I will always provide personalized customer service by responding directly to inquiries and updating you on your loan status. I will always be accessible nights, weekends and look forward to building long lasting relationships with every borrower. I am also fluent in spanish.

  • Peter Hollingsworth
    Peter Hollingsworth Sr. Loan Processor

    Peter has been working in the mortgage industry since 2001. Although he joined the CTC Team at Choice Mortgage Bank back in 2014, he brought years of experience as a Sr Processor and Underwriter. Using his analytical skill set he helps the loan officers and clients achieve the ultimate goal, a smooth transaction.

  • Annmarie Belarge Sr Loan Processor/ Loan Originator

    I walk my clients through the mortgage process from start to finish and look forward to the smile on my clients face at the closing table. I pride myself on my attention to detail and the ability to truly understand my clients specific needs to ensure a seamless and successful loan process.

    One thing that people have told me makes me stand out in the mortgage steps is my open availability and quick response time. A home is one of the biggest investments you will make, you want someone who can answer your questions quickly!

    Specializing in VA, FHA, Jumbo and Conventional. Ask me about your Veteran and Civil servant specials!

  • Jason Renkoff Sr. Loan Originator

    Finding the right mortgage is more than shopping for rates. It’s about choosing a mortgage that fits into your total financial picture. That’s why I consider your complete financial situation, including long-term goals, before presenting you with a home financing solution. I’ll show you a variety of ways to finance a primary or secondary residence that will meet your unique financial needs today, and help keep you on the path to achieving your lifetime financial objectives.

I recommend Emmanuel 100% to anyone looking for a mortgage loan or to refinance. He is the BEST and I highly recommend him.

Sandra Kingman

South Florida Mortgage Loans

Mortgage rates and requirements differ from state to state, even within states. Another perk of working directly with a private mortgage broker is that you benefit from the experience and understanding of someone who lives where you are purchasing or refinancing.

As a boutique direct lender, I can help you finance your condo, single-family home, or town house. Choice Mortgage Bank, Inc. is one of the oldest direct lenders in Boca Raton, setting us apart from the retail mortgage world. We’re your concierge to the mortgage process, answering every question and helping you sort through every bump along the way.

My family has been in the Mortgage Banking business for 20 years, so I’ve seen it all. From pre-approval to close, I can foresee and plan for what you can expect during your loan process. Whether you need a mortgage, want to refinance, or are looking at a reverse mortgage, I am happy to help.

Contact me at 561-362-8204 or estgermain@choicemortgagebankinc.com, and we will get you pre-approved right away.

Company NMLS: 166254
Emmanuel St. Germain NMLS: 327176

Contact us today for your mortgage needs!