Build Your Future at Choice Mortgage Group

Calling All Champions

Build Your Future at Choice Mortgage Group

We are Choice Mortgage Group.

Where the ability to grow your career is limitless.

Table Of Contents 4

Our Company

6

Our Core Values

7

The Choice Difference

10

Easy File Flows

12

Meet Our Leadership

14

Community Outreach

15

Strategic Partnerships

16

RWorld Diamond Affiliate

18

LOANNUITYTM

19

Part-Time Loan Officer

20

Sales Strategy

21

Products

24

Operations Support

26

Marketing Support

27

Technology Support

28

Business Development

30

Employee Benefits

31

Onboarding Support

About Us Having worked together since 2008, our company was built on a solid foundation of core values and ideals. As we enter a phase of growth and expansion after having braced the housing recession, our team of mortgage professionals continues to provide homeowners with optimal real estate financing solutions.

As a licensed lender, we offer a wide variety of services and programs that satisfy the unique needs of each of our clients. We have the ability to Underwrite Loans as a Delegated Correspondent, use Non Delegated Correspondent channels as well as the Broker Channel, which allows us to provide the best programs for your clients needs.

Specializing in residential mortgage lending, our programs include conventional and government lending, purchases, and refinances. We also offer portfolio lending for self-employed borrowers and borrowers with complicated tax situations.

The Choice Mortgage Group Advantage Provide better service to your clients with the Choice Mortgage Group Advantage. We know that each of our clients is unique and so are their mortgage needs. Many banks do not approve or even consider those with special situations or adverse credit. We believe that everyone deserves the help they need to become a homeowner.

Our company’s

Grow With Us

history is ingrained with growth, making it more than just a guiding principle – it’s a part of who we are.

As a “people first” organization, we prioritize your needs and strive to help you build a rewarding and challenging career.

We encourage our associates to explore and grow in their unique paths towards success.

We understand that changing jobs in uncertain times can be challenging, but being a part of a company invested in your growth can offer countless benefits. When we are dedicated to your success, professionally and personally, the possibilities are endless.

We are Expanding Across the Nation If you’re looking for a career opportunity that spans multiple states and offers immense growth potential, look no further. We are licensed in 15 states, have a pending license in Massachusetts and we are looking to expand in even more states!

We are committed to expanding. If you are licensed in a state not highlighted, let’s discuss and grow together!

r

At the heart of our company, our core values guide every decision we make, ensuring we remain consistent and true to what we believe, especially during tough times. Even when others in our industry have cut back, we’ve proudly upheld our bonus structure for operations staff, because we value stability and fairness.

The Choice Difference Why Work at Choice Choice Mortgage Group has big bank options and benefits with a small family business feel. We care about our employees tremendously, and it shows in the interactions with our clients. Most of our business is referral or repeat business, which speaks to how we treat our people and how they treat their clients.

What Makes Choice Different We are always looking to improve and grow. Whether it is within our team, our systems, or our processes. Nothing is set in stone; if it’s not working anymore, we find a way to make it better. It really is a collaborative environment where we give the autonomy to bring your expertise and experience to make our company, culture and client experience the best it can possibly be.

Great team of employees, who strive each day to get things done right but to have fun while doing it. It is a mid-size company that is quickly growing and makes efforts to build from within.

— Emory W., Pre-Closing Manager Joined Choice Mortgage Group January 2021

What Is In It For You? A great opportunity to sharpen the skills you already have, gain many more, and grow into the career of your dreams. The sky is the limit, and our management team is very supportive of giving our employees the ability to take off from where they started to shape the career and path each employee wishes and works to have.

Empowering You With Custom Solutions

Spend less time pushing paperwork and more time growing your business.

Benefit from a custom marketing department tailored to your needs, not a cookie-cutter approach.

Access our unique LO company collaboration resource (our LO and Biz Dev teams thread).

Enjoy competitive pricing that sets you apart and gives you an edge on your competition.

Work in an atmosphere where the CEO and COO personally step in to save deals that other companies might deny.

Empowering Innovation Your opinions matter to us.

truly

We run on the Entrepreneurial Operating System (EOS), which brings leadership together every week to not only set goals for the quarter but also to brainstorm how we can make our company even better and solve any issues that arise. This approach helps us move quickly and constantly improve, keeping us agile in a fast-paced world.

We value everyone’s ideas here.

If your suggestion aligns with our values, we're excited to explore it and possibly run with it.

With all our decisions made in one place, we're able to make quick adjustments, stay flexible, and lead the market, always staying a step ahead.

We Make It

We’ve optimized our

Simple, Easy

Officers valuable time,

& Fast!

We’ve found the perfect combination of the simplified mortgage methods sprinkled in with all the updated technologies.

process to save Loan

allowing them to focus more on revenue-generating activities.

Here’s how our Loan

Partners facilitate this: Notification of Application Completion The Loan Processor gets notified once the consumer completes the application and uploads documents.

We’re all about keeping things agile and freshgone are the days of sitting by the fax machine! We’ve created a smooth, efficient experience that

Structuring and Assessment Based on the LO’s notes, the LP structures the file, calculates income, runs credit checks, and uses the Automated Underwriting System (AUS).

meets today’s needs.

Credit Simulation This streamlined approach drastically reduces the administrative load on

If necessary, the LP runs a credit simulator to enhance the client’s credit score, as directed by the LO.

Loan Officers, significantly freeing up their day for more client engagement and business development. We feel this is the real value — giving back time to our Loan Officers.

Detailed Write-Up Once the assessment is complete, the LP sends a detailed write-up to the LO. This allows the LO to quickly review the file, issue a pre-approval, or make necessary adjustments.

Loan Originator File Flow

A Loan Originator’s role at CMG involves attracting qualified business and ensuring an exceptional client experience through effective use of our CRM and document collection tools. This streamlined workflow allows Loan Originators to efficiently manage their tasks, focusing on client engagement and maintaining high standards of service delivery.

Relationship & Lead Management Relationship Management

Lead Handling & CRM Management

Loan Officers focus on building and

Initial Contact: LOs take introductory

maintaining relationships with key

calls to vet leads before guiding them

referral partners such as real estate

to complete an online application.

agents, attorneys, and accountants.

CRM Updates: Regular input and maintenance of referral partner and client details in our CRM (Jungo).

Application & Approval Process Document and Application Process

Approvals and Updates

Document Requests: Utilizing Floify

Pre-Approval: Confirming that clients

to request necessary documents from

are pre-approved and that files are

clients.

structured properly.

Application Completion: Encouraging clients to fill out their applications online.

Expert Calls: Conducting ‘Expert/ Pre-Approval’ calls with clients to finalize the pre-approval status.

Ongoing Communication: Providing weekly updates (Tuesday Updates) to clients and referral partners throughout the loan process.

The LO is responsible for ensuring each loan is correctly structured, conducting detailed reviews at the pre-qualification and pre-submission stages to meet CMG standards.

Meet Our Leadership Emmanuel St. Germain CEO | NMLS# 327176

Emmanuel has been a part of Choice Mortgage Group since 2008. He quickly became the top loan originator and started his mortgage team. Along his journey he was a Branch Manager and the COO. In June of 2022 he became the firm’s CEO and majority owner. As the visionary of the Company he is responsible for leading the Company and staying ahead of the industry with respect to technology and the client experience. He prides himself on fostering an environment that allows the loan officers and employees of the Company to thrive and the referral partners of the Company to be WoW’d at every opportunity.

Jared Perlman

COO | NMLS# 1156974

Beginning his career in the mortgage industry in 2013, Jared joined Choice Mortgage Group and has been with the company ever since. Mastering every aspect of loan closing, Jared values the great environment and team atmosphere at Choice. The team uses his years of experience as a reliable source of information and industry innovation. Jared likes the creativity in his job. Respecting the human element in the mortgage process is his top priority and therefore, his approach to lending includes in-depth analysis coupled with hands-on service.

Jill Erickson

CFO

Jill is a seasoned accountant and mortgage CFO dedicated to demystifying the complexities of financial reporting. She has a flare for turning complicated data and presenting profit and loss statements that branch managers understand and appreciate. Her ability to create forecast models tells the users quickly where they must focus to take their branch to the next level. Her passion for facilitating homeownership along with her accounting expertise has helped Choice Mortgage Group’s management and sales teams to understand the needs of the consumer in each segment of the market. Outside of the mortgage world, Jill enjoys fishing, exploring the outdoors, and finding the next great local band.

New boost

Sarah Biernbaum

Director of Business Development

Meet Sarah Biernbaum, an invaluable member of Choice Mortgage Group since 2020. She thrives in the company’s vibrant atmosphere, relishing the open channels of workplace communication and the abundant growth opportunities it affords.

Sarah’s journey within the organization has been a dynamic one. After initially contributing in various departments, she seized an opportunity to return to her longstanding passion for business development, sales, and nurturing relationships.

Her dedication paid off, as she now holds the role of Director of Business Development, where her impact on the company’s success is undeniable.

Matt Piotrowski Processing Manager

Matt has been an integral part of Choice Mortgage Group since he joined the company in 2001. Initially a loan originator, his extensive mortgage knowledge and attention to detail was a perfect fit for our processing department. After being a Processor for 19 years, he was promoted to Processing Manager in 2020 and has been instrumental in developing an extremely talented team of Processors and Loan Partners. He takes tremendous pride in the quality of our operations team’s work, which we strongly believe to be the best in the business. He is constantly creating, implementing, and refining systems and processes to ensure the smoothest experience possible for our borrowers, while always emphasizing the importance of empathy and good communication amongst all parties involved in the loan process.

Erica Ledezma

Closing/Funding/Post Closing Manager

Erica has been in the Correspondent Mortgage Lending industry for over 20 years, joining Choice Mortgage Group in 2014. Her expertise in closings and fundings took our company to a paramount level as she developed and built out our in-house Closing and Funding Team. She is constantly innovating and improving upon the closing process, keeping us a leader in the latest cutting-edge technology to ensure our clients a flawless closing. Keeping our clients’ experience as her sole focus, she has worked diligently over the last decade to create the best Closing Team in the business.

Marla Grassgreen Underwriting Manager

Marla is a mortgage banking professional with over 32 years of mortgage banking experience in Correspondent/Wholesale and Retail residential lending. Marla is that of a Hybrid as she has extensive experience on both the Operations and Sales sides of the industry.

This is unique and makes her a strong asset to

Choice Mortgage Group. Marla is passionate about both sales and operations.

“Our industry performs at its best only by having the best sales and operations teams working cohesively” says Marla.

Marla’s background includes, Operations

and Underwriting Management, Sales Management, Training, and business development. Marla has taken all of those experiences’ and combined them to build out Choice Mortgage Group’s Delegated underwriting division. Marla truly enjoys being able to work with all aspects of this great business.

Community Outreach Devoted to our Community

South Florida is where Choice Mortgage Group started and we like to call it home.

We are devoted to the community and proud to support the following local organizations.

Jack and Jill Center Boca Helping Hands Kristi House Best Buddies International Folds of Honor Impact 100 Men Humane Society of Broward County

Strategic Partnerships Corporate Partnerships We partner with companies to establish fixed margin pricing for their employees. This innovative approach not only secures new business but also provides a unique talking point in client meetings.

Preferred Lender Partnerships

Official Lender of Florida Atlantic University Athletics

We’ll also help YOU create partnerships.

Our leadership team is available to help you close a realtor partnerships.

Diamond Affiliate with RWorld Being a Diamond Affiliate with RWorld offers substantial benefits to Choice Mortgage Group and our Loan Officers. This prestigious partnership enhances our visibility and credibility within the real estate community, providing unparalleled access to a network of real estate professionals and potential clients.

For our Loan Officers, this affiliation means increased opportunities for networking and business development, as well as access to exclusive resources, training, and marketing tools tailored to the real estate market.

The affiliation also reinforces our commitment to excellence and continuous improvement, enabling us to stay at the forefront of industry trends and best practices.

As a Diamond Affiliate, we enjoy the following benefits:

Advanced exposure and opportunities to over 40,000 real estate agents through our Platinum Sponsorships.

Ability to Teach Classes

Opportunities to Sponsor Events

Ability to Join Committees

Ability to Present at Outside Events (Home Shows, Sponsored Events, etc.)

Here at Choice Mortgage Group, we have a revolutionary process for retiring loan officers. If you are looking to retire in the next two to five years, we have a process called LOANNUITY™.

So what is LOANNUITYTM, you ask?

We are going to partner you with an experienced loan officer who is going to co-market together with you to your database and your referral partners. That’s going to allow you to play golf and enjoy the retired life, but continue to get a paycheck forever.

The Part-Time Loan Officer

Role

An innovative opportunity that’s reshaping the real estate landscape!

This allows anyone licensed as a loan, officer, whether they are a real estate agent, plumber, electrician, etc, to be compensated for loans they bring to the company.

This allows individuals to open the door to legitimate compensation for each transaction, making it a seamless process for them to make additional income.

Our strategy is clear-cut. On the MLS listings, agents recommend: ‘Seller strongly advises pre-approval from Choice Mortgage Group and we will include a direct line associated with the agent as well as an email for their team. They’ll enjoy our 10-day financing guarantee, so sellers are also winning by making sure only the best buyers are able to make offers.

Sales Strategy Four great options to choose from!

Find the model that works for you.

Loan Officer Opportunities Inside Loan Officer

Retail Loan Officer

The Inside Loan Officer position offers

The Retail Loan Officer position comes

a salary against future commissions.

with comprehensive support, including

Our business development team will

a dedicated Loan Partner and access

directly supply you with business leads.

to our technology and services. We

Additionally, we have a specialized

offer a competitive compensation and

role dedicated to developing Builder

bonus structure, designed to reward

Relationships, which aims to funnel

performance and drive success.

new construction leads into your sales pipeline.

Branch Opportunities Fully Supported Branch Model

Self-Sustained Branch Model

With this branch model, we provide

Already have your own team in place?

your branch Loan Officer Assistants,

This branch model is for you! This

Processors and Underwriters. This

allows you to have your own Loan

model includes minimal costs to a

Officer Assistants, Processors and

branch, but great flexibility in terms of

Underwriters. You would cover branch

being able to hire Loan Officers and

costs and we will act as a fulfillment

pricing strategies.

center.

Extensive Product Selection To Offer Your Clients With the best options for each individual applicant in mind, we offer several different loan programs to help our clients meet their home mortgage needs, including:

FHA Loan Programs

VA Loan Programs

No Min Credit Score

No Min Credit Score

Conventional Mortgage Loans 3% Down Payment

Reverse Mortgages 1-4 Family Home or FHA Approved Condo

Non-QM Options Correspondent with Various Non-QM Products

Specialized Condo Desk

To Streamline and Expedite Condo Transactions

A specialized resource designed to streamline and expedite our condo transactions. We fully understand the challenges associated with gathering condo documentation, which can often create roadblocks in otherwise smooth transactions. Our Condo Desk is here to alleviate that concern by granting our loan officers access to a vast repository of Fully-Approved Condos.

Expertise in Condo Financing Unlike

most

extensive

lenders,

experience

we in

Specialized Condo Desk

possess

Our Condo Desk follows up daily to

navigating

gather all necessary documentation,

the complex condo approval process

including

the

Condo

Questionnaire,

efficiently. This specialized knowledge

Master Insurance, Condo Budget and

ensures our loan officers are well-

Financials, and Meeting Minutes. This

equipped to handle condo transactions

team is dedicated to simplifying the

with ease, setting them apart in the

condo process for both you and your

market.

borrowers!

After closing a condo loan, we proactively support our loan officers by emailing them a list of all active listings in that community. This allows them to directly connect with listing agents, demonstrating their expertise in condo financing and helping them expand their professional network. This innovative approach highlights our commitment to helping our loan officers grow their business effectively.

Choice Express

Program

Program Features 10-Day Close: The program allows for closing in as little as 10 days, making it competitive with cash offers. This

We Close In Record Time

is achieved through a combination of advanced

technology,

experienced

professionals, and efficient systems​.

Pre-Underwriting: All files undergo full credit, income, and asset approval

The Choice Express program is designed to provide a streamlined, fast, and efficient loan approval process that benefits both

before submitting an offer, ensuring that once an offer is accepted, the only remaining steps are title, appraisal, EMD clearance, and insurance​.

borrowers and loan officers.

120 Day Conditional Approval:

The Choice Express program isn’t just a

Borrowers receive a Choice Express approval that remains valid for 120 days,

game-changer—it’s your secret weapon

provided their financial condition remains

for dominating the market. For clients,

the same. This includes a thorough pre-

it’s all about unmatched speed, certainty, and a smooth experience that outpaces

approval process, which further speeds up the closing timeline once a contract is in place

the competition. As a loan officer with Choice Mortgage Group, you’re not

Record Processing Times: With

just offering a loan; you’re delivering

relationships

an

unbeatable

advantage.

Imagine

closing more deals, faster, and with the confidence that comes from a rocksolid process backed by cutting-edge technology and an expert team.

established

with

local

appraisal management companies and preferred

insurance

agents,

Choice

Express ensures appraisals can be turned around in 3-5 business days and insurance can be bound in 1-2 business days​

Operations Support In today’s fast-paced real estate market, the ability to close loans quickly and efficiently stands out as a significant advantage for both loan officers (LOs) and clients. Our fully integrated in-house operations team ensures that loan officers can focus on what they do best—building relationships and growing their book of business. Here’s how we streamline the mortgage process for maximum efficiency and client satisfaction:

Fully integrated In-House Ops Team

Our team supports LOs so they never have to chase paper, chase conditions, or put out fires. This allows LOs to focus on client engagement and strategic growth.

Speedy Closings

We achieve open to close in less than 14 days, setting an industry benchmark for efficiency.

Loan Partner Support

Our Loan Partners handle communications with borrowers and agents, allowing you, the LO, to stay in control and set the tone for expectations, enhancing relationship building and business growth.

Direct Stream into Underwriting

Due to our comprehensive pre-approval process, once a contract is received and disclosures are signed, a file goes directly into underwriting rather than processing, streamlining the path to approval.

Advanced Underwriting

Proactive Operations

Turn Times

Management

Our in-house underwriting exceeds industry

Our on-site operations manager is fully

standards with exceptional turnaround times,

engaged in the weekly pipeline, responsible

thanks to direct access to underwriters and

for keeping your files moving forward to

a scenario desk for quick problem-solving.

‘clear to close’ as quickly as possible.

SOS Loan Process

Efficient On-Site Closing

We specialize in saving loans that other

Our

closing

department’s

companies might deny. Our on-site resolution

turn times enhance our ability to finalize

team steps in for suspended or denied files,

transactions swiftly, further contributing to

turning potential denials into approvals.

our competitive edge.

We close loans in

incredible

7 to 10 Days because our systems and

processes are highly organized.

We understand that the success of our loan officers is closely tied to the quality of marketing support they receive. That’s why we’ve developed a comprehensive marketing platform that empowers you to reach your full potential. We are committed to supporting you with typical 48-hour or less turnaround times for most custom marketing materials.

Ongoing Support

Custom Advertising

Past Client

Team to Streamline

for Loan Officer

Loyalty Email

Marketing Demands

Support

Campaign

In-House Studio

Professional

Personalized

for Headshots &

On-Demand

Marketing

Filming Social Content

Marketing Library

Materials

We are confident that our products and services will set you up for success. So much so, that if you decide to move on, we promise not to market to your database. We're committed to your success, not just our own.

Technology Support Our cutting-edge technology is designed to streamline the communication process, ensuring that loan officers (LOs), real estate agents, and borrowers are always in sync throughout the entire mortgage process.

The Choice platform features three fully integrated systems that work seamlessly to keep everyone informed (the LO, real estate agents and borrowers).

Nobody is ever left in the dark and always fully informed every step of the way.

Easy marketing to your book of business to stay top of mind.

How Would You Like to Add $30-$50 Million in Production to Your Branch?

Unlock Your Branch’s Full Potential with Our Business Development Expertise!

What if you had a steady stream of loans to offer your Loan Officers, helping you not only retain your top talent but also attract the best in the industry?

Would that make a difference

Guaranteed Sales Growth* We project a sales increase of:

in your recruitment efforts?

See the Results for Yourself It’s not just about the technical aspects— it’s about seeing real, tangible results.

We understand that adding a business

$10 Million in Year 1 $30 Million in Year 2 $50 Million in Year 3

development role might be new for many branches, but that’s where we come in.

We’ll show you how this role can be a gamechanger, from generating leads to boosting loan production, all while helping you recruit and retain top talent.

*Projected sales results may vary.

Gain a Business Development Partner to Revolutionize Your Branch’s Success Let’s work together to outpace the competition and build a thriving future.

Complete Business Development Build-Out: We will establish and oversee your entire business development department from the ground up.

End-to-End Hiring & Onboarding: Our experts will recruit, hire, and onboard top-notch business development representatives and managers tailored to your branch’s needs.

Comprehensive Training & Management: We will train and manage your team, ensuring they have the tools, knowledge, and support to drive results.

Exclusive In-Person Business Development Boot Camp Once your team is in place, our expert will conduct an intensive 48-hour on-site boot camp, equipping your team with the strategies and skills to excel immediately.

Choosing us means choosing growth, innovation, and a partner dedicated to your branch’s long-term success. Let’s work together to outpace the competition and build a thriving future.

Employee Benefits Healthcare Plans Including Medical

Dental

Vision

Plus...

• Paid time off such as PTO, sick days, and vacation days • Paid vacation in the first year • 401(k) plans • Company equipment • Ongoing training and education • Promoting from within • Flexible work options

Onboarding Support Onboarding Specialist dedicated to ensuring a smooth transition.

This role serves as your concierge to introduce you to the team and guiding you through the process.

Transition Loan Officer to help you transition from your previous company.

White Glove Treatment We take all the guess work out so you can focus on building your business.

Fully loaded equipment for you to start on Day 1 with meetings set with department managers and trainings.

Touchpoints to make sure you receive all the support you need.

Employee Testimonials

I love working for Choice Mortgage Group because I feel that I am working with professionals that I can learn from and that will push me to take on new challenges. I honestly believe that people at Choice genuinely care about each other personally and professionally.

— Paul R., Senior Loan Originator Joined Choice Mortgage Group February 2015

Choice Mortgage Group has a strong belief in the client for life business model. I have been in the business for 20 years and I am learning something new every day here at Choice Mortgage Group which in turn only makes me a better loan officer.

— Greg S., Senior Loan Originator Joined Choice Mortgage Group May 2020

I love working at Choice Mortgage Group!

We have the best group of mortgage professionals in the business. Everyone works hard and works well together. My favorite part of working here is hearing borrower testimonials on what a fantastic job our entire team did getting their loan closed!

— Erica L., Closing and Funding Manager Joined Choice Mortgage Group August 2014

Ready to Make Your

Move to Choice?

Contact us today!

561.395.6900

info@choicemortgage.com

Choice Mortgage Group • NMLS# 2275047 2424 N Federal Hwy, Suite 100 Boca Raton, FL 33431 Intended for Mortgage Professionals • Not For Consumer Distribution