Meet the Choice Mortgage Team:

The CTC Team: Clear to Close

Emmanuel St. Germain

NMLS# 327176

Licensed Loan Originator And Executive Branch Manager of Choice Mortgage 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 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


“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
by Jamonerobinson1542


“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
by PatrickMichael3

Our Mortgage Experts

  • Emmanuel St. Germain NMLS #327176
    Executive Branch Manager

    Emmanuel understands that buying a home or refinancing an existing mortgage can be a daunting task and quite overwhelming.  His 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. He 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 family’s 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 Richard will always provide personalized customer service by responding directly to inquiries and updating you on your loan status. He will always be accessible nights, weekends and look forward to building long lasting relationships with every borrower. He is also fluent in Spanish.

  • Annmarie Belarge NMLS # 1433105
    Sr Loan Processor/ Loan Originator

    Annmarie walks her clients through the mortgage process from start to finish and looks forward to the smile on her clients face at the closing table. She prides herself on her attention to detail and the ability to truly understand her clients specific needs to ensure a seamless and successful loan process.

    One thing that people have told her makes her stand out in the mortgage steps is her 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 her 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 Jason considers your complete financial situation, including long-term goals, before presenting you with a home financing solution. He’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.

  • 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.

  • Greg Sepanski
    Greg Sepanski NMLS #328134

    Greg handles loans with the care and precision of a long-time expert. He strives to deliver the best results for every single client, no matter the situation or circumstances. If you’re looking for a Loan Officer who works efficiently, makes you the priority, and refuses to settle for any less, you’ve found him.

  • 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.

  • Michael Greenwood
    Michael Greenwood NMLS # is 1725646

    Born and raised in Southern Illinois, Michael takes a hands-on approach to the lending process, that was instilled in him from his Midwestern roots. Michael has a bachelor’s degree in Program Management, a minor in Economics, as well as additional training and certification in Mortgage Regulations.This training giveshim the knowledge and experience to help you through the loan process, find the terms that are right for your budget, and make sure all the legalities are competently handled so that the closing goes smoothly, and you can take possession of your new property.

    Michael was an NCAA Div-1 golfer at Illinois State University during his college years and his drive and dedication to be a student-athlete shows that he has what it takes to get you through the loan process seamlessly. Whether you’re a first-time home buyer, looking to trade up, deciding to downsize or simply wishing for a change, Michael can help you before you ever make an offer on a property. Let Michael help you to your new home.

  • Kelsi Jensen
    Kelsi Jensen

    Kelsi moved from Omaha, Nebraska in May 2016. She graduated with her banking and financial markets degree from the University of Nebraska at Omaha. Kelsi has been working in the finance industry since December 2010. In her free time, she likes going to the beach and spending time with her family.

  • Jordiana Chevalier
    Jordiana Chevalier Loan Processor

    Jordiana is an exceptional Loan Processor for our Choice Mortgage team. Bringing in her own efficient processing methods to ensure clients’ close in a timely, quick manner, Jordiana’s work ethic is like none other. She works around to clock to make sure not only her immediate team is up to speed on their folders, but she also assists the Loan Officers with any issues. She’s a star player.

  • Cory Carlson
    Cory Carlson

    Cory is one of our Loan Processors. She’s diligent, focused, and detail-oriented, nothing blemished gets past Cory! She’s quick to respond to inquiries and makes sure to cover every crook & crevice of her cases before passing them for closing. She’s a one-in-a-million worker.

  • Elizabeth Bensassi
    Elizabeth Bensassi Loan Partner

    Elizabeth has a vast amount of experience as a Loan Partner, garnering her a strong portfolio of skills and contacts. She has worked with many big mortgage names and serves as a huge asset to the Choice Mortgage team.

  • Rhonda Picache
    Rhonda Picache

    Rhonda grew up in Hollywood Florida where she went to high school and junior college. She worked as a teacher’s aide/substitute teacher when her children were young.
    Fast forward, she’s been in the retail banking industry in many capacities in management for 35 years. She retired to be a caregiver to her ailing parents for quite awhile and then found herself working again. Most of her free time is spent traveling to see her 8 grand children.

  • Adriana Laplanche
    Adriana Laplanche Social Media Director

    Hailing from Davie, FL, Adriana got her dual BA in Film/Video/New Media & Business Administration. She utilizes both business strategies & artistic prowess to produce powerful, compelling marketing campaigns for Choice Mortgage. When she is not managing Choice Mortgage’s online presence, she can be found producing local projects for the South Florida area.

  • 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 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, and we will get you pre-approved right away.

Company NMLS: 166254
Emmanuel St. Germain NMLS: 327176

Contact us today for your mortgage needs!