Put your loan originator license to work.
As a Jr Loan Officer with Choice Mortgage Group, you earn 75 basis points on every closed loan in your pipeline, including refinances, while you remain employed by and licensed through Choice Mortgage Group. Your Branch Manager and our team handle the loan, and you are paid by direct deposit the Friday after it closes.
Hi there,
My name is Emmanuel St-Germain. I'm the founder and CEO of Choice Mortgage Group, an independent mortgage bank headquartered on Federal Highway in Boca Raton. You may not have heard of us yet, so here is the short version.
In 2025, I ranked in the top 2% of U.S. loan originators by volume, based on public-record data, while running Choice Mortgage Group full time. I built my business entirely on relationships with agents. I still originate loans as CEO because I want to stay in the trenches with our systems and our people. In the last twelve months, our team closed $410.7 million across 982 loans. Underwriting, processing and closing are all in house, and every decision is made locally.
I'm reaching out because you hold a loan originator license, and right now it probably isn't paying you what it could. If your license is already held with another lender, I'd love to talk about moving it over to Choice Mortgage Group. We handle the NMLS sponsorship change for you.
Here is how it works. As a Jr Loan Officer, you are a W-2 employee of Choice Mortgage Group, licensed through us, and you are paid on the loan business you bring to the company. Your Branch Manager and our team handle the loan itself. You earn 75 basis points (0.75%) of the loan amount by direct deposit the Friday after it closes, and 75 basis points again every time that client refinances with us, while you remain employed by and licensed through Choice Mortgage Group.
Take a few minutes to read through this page and put your own numbers into the income calculator. I'll call you in the next few days to walk you through it. If you would rather talk sooner, call or text my cell below.
Paid on the loan. And on refinances that close with us.
The average 30-year fixed rate is above 7%. If rates fall, many of these buyers may refinance.
The day a loan in your pipeline funds, that client goes into our retention marketing for as long as they own the home. If they later refinance with Choice Mortgage Group, our Branch Manager handles it, and you are paid on that loan too as the Jr Loan Officer on that client.
Your real estate commission
Your side of the sale, paid through your brokerage exactly as it is today. Nothing about your real estate business changes.
The loan, at 75 bps*
Paid by direct deposit the Friday after your client's loan closes. Your Branch Manager and our team handled the file.
Every refinance, at 75 bps*
Paid again, the Friday after it closes, when that buyer refinances. The part almost nobody else offers.
On a $550,000 sale with 20 percent down: your commission, plus $3,300 on the loan, plus $3,300 on one refinance. If they refinance with us more than once, each one pays the same.
Illustration. Loan amount starts at 20 percent down and can be moved. Refinance figures assume a refinance of about the same loan amount. Jr Loan Officers are paid 75 bps (0.75%) of the loan amount on every closed purchase and refinance loan.*
Your buyers are already financing. Your license can be part of it.
Even in a market with this many cash buyers, most buyers still need a mortgage. Here is what September looked like in Broward and Palm Beach.
Financed single family sales, one month
Broward and Palm Beach closed 2,106 single family homes in September 2026. About 1,360 of them had a loan, and a loan officer who got paid on it.
Miami REALTORS, September 2026The 30 year rate last week
Freddie Mac's average for the week of October 22, 2026. Every buyer locking at that level is a future refinance.
Freddie Mac PMMSMedian single family price
$656,000 in Palm Beach and $641,500 in Broward in September 2026. Bigger loans mean bigger paychecks on the loan and on the refinance.
Miami REALTORS, September 2026Same clients, same relationships. Now your license is part of it.
You hand off the loan, and that's the end of it
- You send your buyer to a lender and hope it goes well
- The lender gets paid on the loan. You get a thank you
- When the client refinances, the lender gets paid again
- You pay renewal and CE on a license that earns nothing
You're on the loan team, and you get paid
- You become a W-2 employee of Choice Mortgage Group, paid on the loan business you bring in
- Processing, underwriting and closing are handled by our team
- You are paid the Friday after it closes, by direct deposit, and again on every refinance
- We pay your continuing education. You only cover your NMLS fees
Your license is with another lender today? Let's talk about moving it.
Switching to Choice Mortgage Group is a sponsorship change in NMLS, not a new license. No new exam and no new coursework. We file the change, walk you through the one screen you complete, and you keep your license number.
- We talk through what you are paid today and what you would earn here
- We submit the sponsorship in NMLS
- You update your MU4 employment record and attest
- You meet your Branch Manager and get set up
See what it pays you.
Open Your Income, put in your own buyer side production, and see what your loans pay you in year one and what your refinances add every year after.
Sources and notes
*Jr Loan Officer compensation, including on refinance loans, is paid only while you remain employed by and licensed through Choice Mortgage Group, under a written agreement. Future refinances are not guaranteed.
Local market. Single family closed sales, median sale prices and cash share for September 2026: Broward 974 closed sales, $641,500 median, 24.9 percent cash; Palm Beach 1,132 closed sales, $656,000 median, 44.7 percent cash. Miami REALTORS, South Florida Market Stats, September 2026. Financed sales are estimated as closed sales times the non-cash share and rounded.
Rates. Freddie Mac Primary Mortgage Market Survey, 30 year fixed average of 7.32 percent for the week of October 22, 2026. Future rates are unknown and nothing here predicts when or whether any client will refinance.
Company figures. Choice Mortgage Group trailing twelve month production as of September 2026. Loan originator ranking for Emmanuel St-Germain: top 2 percent of U.S. loan originators by 2025 volume, based on public-record mortgage data. Closing timelines depend on the file, the appraisal and the borrower and are not a commitment.
Nothing on this page is legal, tax or compliance advice, and nothing here is a promise of earnings.
You bring the business.
Our team handles the loan.
No new exam and no files to run. As a Jr Loan Officer, you are a W-2 employee of Choice Mortgage Group, licensed through us, and you are paid on the loan business you bring to the company, including refinances that close with us.*
Your buyers already need mortgages. You already hold a loan originator license. Today those two things have nothing to do with each other, so the loan goes to a lender and your license sits in a drawer.
As a Jr Loan Officer, you are a W-2 employee of Choice Mortgage Group and a licensed loan originator on our team. Your Branch Manager and our operations team handle the loan, and you are paid as a member of our team on every closed loan in your pipeline.
Six steps. One of them is yours.
You bring the business
Your client needs financing, and you bring that loan to Choice Mortgage Group.
Your Branch Manager builds the loan
They take the application and handle the pre approval.
The loan gets built
Program, pricing and advice. Your Branch Manager keeps you posted so you are never guessing.
Operations runs the file
Processing, in house underwriting, appraisal, conditions and closing.
It closes, you get paid
Often in as few as 10 days. You are paid by direct deposit the Friday after it closes.
If it refinances with us, you get paid again
Your client stays in our retention marketing. If they refinance with us, you are paid on that loan too, the Friday after it closes.
This is the part other companies leave out.
Too often, a client refinances years later with whoever sent the first rate alert. Here, the day a loan funds, your client goes into a marketing engine our CEO and CMO direct personally. It runs for as long as they own the home, so if they refinance, we are positioned to be the first call, and if that refinance closes with us, you are paid on it.
The average 30-year fixed rate is above 7%. If rates fall, many of today's buyers may refinance.
A monthly reason to think about their house
A personalized equity digest every month. Value, equity, and what a refinance would save them at today's rate.
We know before they do
Every closed loan is monitored against live pricing, so the refinance conversation starts with us, not with a competitor's cold call.
Campaigns that never miss
Closing anniversaries, birthdays, rate updates and market notes. Every client, every year.
Built by the people who run the company
Campaigns pointed at your clients. Not a template library nobody uses.
Your part is short. Ours is everything else.
Own the relationship, keep your license active
- Keep your loan originator license active with Choice Mortgage Group. Your only cost is your NMLS fees for your license or licenses.
- Bring loan business to Choice Mortgage Group when your clients need a mortgage.
- Keep doing what you do for your clients on the real estate side.
- Follow the compliance policies that come with the role.
No conditions to chase. No files at nine at night.
Everything else
- A Branch Manager who handles the application through closing
- Processing, in house underwriting, a condo desk and closing
- License sponsorship, compliance training, and we pay for your continuing education every year
- Retention marketing on every client, for as long as they own the home
You bring the business. Our team handles the loan.
South Florida files are not simple. We built for them.
Condos, self employed buyers, investors, second homes and buyers relocating from out of state. These are the files that fall apart at lenders built for simple loans, and they are a big share of what you sell. When your client's loan is with us, your deal closes.
A team that only does condos
Questionnaires, budgets, reserves and building reviews handled by people who do nothing else.
Underwriting, processing and closing
Decisions made locally by people you can reach, so conditions get answered the same day.
A yes for buyers others turn away
Conventional, FHA, VA, USDA and Jumbo, plus Non-QM, bank statement and DSCR loans for self employed buyers and investors.
Fast appraisals, fast closings
Closings in as few as 10 days when the file allows it. Your offers get stronger when the listing agent knows the financing will close.
You are already licensed. This part is fast.
No exam and no pre licensing coursework. We handle the sponsorship filing in NMLS and walk you through the one screen you complete on your end.
A real conversation
I call you, we look at your buyer side business, and we decide together whether this fits.
Hang your license
We submit the sponsorship in NMLS. You update your MU4 and attest. If your license is with another lender today, we handle the move for you.
Meet your Branch Manager
The person your buyers will work with. Get set up in our systems and complete compliance training.
Your first client loan
Your Branch Manager and our team handle the loan, and you are paid the Friday after it closes.
The questions everybody asks.
Your compensation is set in advance in a written agreement, the same on every loan.
It is not based on the terms of any loan and it is not negotiated deal by deal. It is paid on every closed loan in your pipeline, purchase and refinance alike, by direct deposit into your bank account the Friday after each loan closes.
Your Income puts it in real dollars: what your loans pay you in year one, plus what your refinances add every year after.
Keep doing right by your clients. Put your license to work.
Your buyers are financing homes every month, and if rates fall, many may refinance. You already hold the license. Choice Mortgage Group brings the Branch Manager, the operations team and the retention marketing behind every loan in your pipeline.
I'll be calling you in the next few days. If you want to talk before then, call or text me at 561-400-7317.
2424 N Federal Hwy, Ste 100
Boca Raton, FL 33431
What is your license worth to you?
Put in the buyer side business you already do. See what it pays you as a Jr Loan Officer in year one, and what your refinances add every year after.
Your last 12 months of closed buyer sides. Pull it from the MLS, RETR or your own records. This is business you are already doing.
Of all the buyers you close, what share will finance with Choice Mortgage Group? Leave room for cash buyers. In September 2026, 45 percent of single family sales in Palm Beach and 25 percent in Broward closed cash.
40 percent of all your buyers is about two out of three of your financed buyers. Slide it down for a conservative case.
The part other programs leave out. Your closed clients are marketed every month for as long as they own the home. If they refinance with us, you are paid again.
About 55 percent of buyers refinance at least once within five years, and our retention marketing wins back about 55 percent of those. With the average 30-year fixed rate above 7%, many of today's buyers may refinance if rates fall. This builds over three to five years as your book seasons.
Basis points on the loan amount of every closed loan in your pipeline, purchase and refinance alike. Choice Mortgage Group pays Jr Loan Officers 75 bps (0.75%) of the loan amount.*