Meet the Choice Mortgage Bank, Inc. Team:

The CTC Team: Clear to Close

Emmanuel St. Germain

NMLS# 327176

Licensed Loan Originator And Executive Branch Manager of Choice Mortgage Bank, Inc. Nmls #166254 Executive Office At 40 SE. 5th Street., Suite 502 Boca Raton, FL 33432

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…

Emmanuel St Germain

Your Personal Mortgage Lender

Licensed Loan Originator and Executive Branch Manager 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 NMLS# 327176
    Licensed Loan Originator And Executive Branch Manager of Choice Mortgage Bank, Inc.

    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 NMLS #1156974
    Senior Loan Originator

    A native of South Florida, Jared Perlman’s ties with the South Florida Real Estate Market go back decades to his 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 NMLS # 1299747
    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 NMLS # 927030
    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 NMLS # 1433105
    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 NMLS # 521393
    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.

  • Andres Sylva
    Andres Sylva NMLS #1085220

    Andres was born and raised in Hollywood, FL. He has been in the mortgage industry since 2003 and knows what it takes to ensure smooth loan transactions.
    He is available when you need him to be. If looking to purchase a home or restructure your current loan, Andres is here to help.  Andres is also fluent in Spanish.

  • Andrew Novak
    Andrew Novak NMLS #1663793

    With over 25 years in the lending industry, Andrew Novak brings with him a strong portfolio of experiences. His time spent as a Financial Advisor and as a private business owner have provided him the skills to far exceed client expectations with communication and customer service.

    Obtaining a mortgage, whether it a purchase or refinance, is one of the most important investments one will make during their lifetime.  Andrew works diligently with his clients to ensure that this process is seamless, simplistic and stress free. Hard work and organization at the beginning will lead to flawless results.

  • Christian Scheriff
    Christian Scheriff NMLS #273159

    Christian has over 14 years of experience in mortgage lending, bringing with him a wealth of experience and product knowledge. He has extensive experience in dealing with conventional, government, jumbo, and alternative financing for primary, secondary and investment properties. Christian employs a consultative approach in determining the options best suited to each client’s particular needs — from the first time homebuyer all the way to the astute real estate investor. Christian is currently heading up our Vail, CO location, where he resides with his wife and two children.

  • Eric Roseberg
    Eric Roseberg NMLS #1691120

    Eric is a New England native who joined Choice Mortgage as a Loan Officer after working for 10 years in sales and finance.  Eric’s communication and process driven approach, combined with a full range of mortgage programs allows him to simplify and streamline the mortgage process and consistently exceed customer expectations.  Eric is a Merrimack College graduate with a Bachelor’s Degree in Business Management and a minor in Mathematics.  He currently resides in Ocean Ridge FL with his two dogs and in his free time enjoys skiing and boating.

  • Leanna Kelley
    Leanna Kelley NMLS #1688444

    Leanna was born and raised in Trinidad and Tobago. She moved to Delray Beach in January 2017 and owned her first home in that same month thanks to the speedy process done by Emmanuel St Germain and his team. Being an island girl, Leanna is very understanding and sensitive of other cultures and new immigrants.

    Being diligent and detail-oriented, she verifies loan documents and reviews file documentation to guide each loan from pre-approval to closing. In an organized manner, she provides support to the loan officer by ensuring timely, judicious and accurate processing and managing of mortgages.

  • Michelle DeNicola
    Michelle DeNicola

    Michelle is a senior mortgage processor and has been in the business for over 15 years.
    She is knowledgeable in all aspects of the mortgage business and takes pride in everything she does. She is also fluent in Italian.

  • I was introduced to Paul by my realtor. Talk about someone who is professional, honest, hardworking and knows how to get the job done, then it's Paul. I started working with Paul probably back in May 2017 and he guided me through a confusing and frustrating process. He was kind, gentle, understanding and above all, honest. He is a man with integrity and did not cut corners or just got me a loan because it was his job. Paul explained every thing in detail, ensure I understood what was going on, every step of the way. Most importantly, up front he told me that he has to live with himself and will not guide me down the wrong path, just to earn a pay check. If I had to do this process all over again, I would certainly call on Paul. I have purchased a number of properties in FL but it was my first time experiencing a mortgage broker accompanying me to the closing, checking the documents before I signed them, just to ensure that everything was correct. I would have no reservations in recommending Paul. Keep up the good work.”

    Jennifer Ferguson
  • I have to say, my first impression of Jared was a pleasant surprise when I discovered how knowledgeable and experienced he was. As first time home buyers, my wife and I were a little lost. Jared went above and beyond from the very beginning up until the very end, and some. He was always available and reliable. He was quick to reply and was always willing to help or advise. His guidance and expertise put this excitingly nerve-wrecking time in our lives at ease. I not only recommend him, I look forward to working with him again.

    Jason Topel
  • 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 [email protected], and we will get you pre-approved right away.

Company NMLS: 166254
Emmanuel St. Germain NMLS: 327176

Contact us today for your mortgage needs!