South Florida Mortgage Loans

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Whether you are purchasing a home or trying to lower your monthly payment, consolidate your debt, get cash from your home, or keep your payment from rising, we have what it takes…

At Choice Mortgage in Boca Raton, Emmanuel St. Germain and his team have the experience and the know-how to get you the best rates. We understand that purchasing and moving into a new home is a big decision, which can often be very stressful. We are here to ease that process.

From pre-approval to purchase, we will be there every step of the way. We believe in transparency, so you will know exactly what is going on and what to expect. By specializing only in residential loans, we are experts no matter what path you take. Whether you need an FHA or Conventional loan, a fixed- or adjustable-rate, or are purchasing your first or second home, Choice Mortgage offers personalized services just for you.

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

Most Popular Mortgage Loans

FHA Loan

  • Low down payment of 3.5% on your purchase price and up to 6% of seller paid costs
  • Can add special loan to finance nonstructural repairs
  • Mortgage Insurance is required
  • Insured by the Federal Housing Administration

FHA loans are insured by the federal government. These loans have lower down payment options and more flexible lending requirements, making them popular for those with lower credit scores. Choice Mortgage is an FHA-approved Lender.

Conventional Mortgage Loan

  • 3% down payment with qualifying credit scores on purchases
  • Can be used on all property and occupancy types: 1-4 family units, attached and detached, as well as condos
  • Conforming loans follow Freddie Mac and Fannie Mae lending guidelines

Conventional loans are an alternative to FHA loans that offer a lot more variety to the borrower. These loans are not guaranteed or insured by the federal government. While not all properties and lenders are approved for FHA loans, almost any property can be financed with a conventional mortgage loan.

VA Mortgage Lending

  • ZERO down payment purchase program
  • No monthly mortgage insurance
  • Credit flexible and great interest rates

A VA loan offers low-cost, insured mortgage loans to qualified Veterans. Guaranteed by the U.S. Department of Veterans Affairs, VA loans can be used to finance a primary residence only. Veterans, Active-duty personnel, Reservists, National Guard members and some surviving spouses are typically eligible for VA loans.

Jumbo Mortgage Loan

  • Loans greater than $453,100 as of 01/01 2018
  • 10% down on purchase
  • Fixed and Adjustable Rates

Focused on the luxury residence market, jumbo mortgage loans exceed conventional loan limits. Credit and lending requirements are more stringent, but jumbo loans are available for primary, secondary, and investment properties.

Contact a Mortgage Lender
Choice Mortgage Bank, Inc. is currently based in Boca Raton, however Emmanuel and his team provide mortgage loans throughout all of Florida, Maine, New Hampshire, North Carolina, and Colorado. Give us a call at 561-362-8204 to get started on the pre-approval process right away.