Port St. Lucie's Trusted Mortgage Expert
I'm Emmett Dempsey, a U.S. Army veteran, a Certified Mortgage Advisor, and the owner of Treasure Coast Mortgage, a veteran-owned brokerage here in Port St. Lucie.
My story
I got into mortgages in May 2007. If you know your history, you know what came next: the market fell apart within months, and I learned this business in the middle of the worst housing crash in living memory. Here's the thing. That's the best training I could have asked for. When you start out watching loans go bad and families lose homes, you learn fast what actually matters and what's just noise.
I built through all of it. I started at Countrywide, then Bank of America when they bought Countrywide, then broker shops, and even a call center for a stretch. I saw how every side of the business works: the big bank, the broker, the boiler room. In 2020 I took everything I'd learned and opened my own brokerage, so I could do it the way I always thought it should be done.
So what does that mean for you? It means I'm a broker, not a bank. I shop your loan across a lot of lenders instead of selling you the one product on my shelf, and I tell you the real numbers up front. I don't sell rate. I'm an advisor and an educator. My whole job is to give you straight information so you can make a good decision, and then get out of your way.
I work closely with my wife, Cheryl, and her company, Coastal Breeze Processing. She and her team process loans for brokers all over the country, so you get national-level processing expertise with the local, personal feel of working with someone who actually knows you. Every file still gets handled like family, and we're reachable most hours of the day.
Off the clock I've got four kids, I coach youth football, I sit on my HOA board, and yes, I'm a proud dance dad. I built this business around my family so I never miss a game or a recital, and so I could still take care of yours the right way. Bottom line: when you work with me, you get a real person who picks up the phone, not a call center that blows it up.
How I work
Advisor, not salesperson
I don't sell rate. I lay out your down payment, closing costs, real monthly payment, and escrows clearly and simply, so you know exactly what you're getting into before you commit.
No bombardment
You won't get buried in calls, texts, and emails you never asked for. You get real information from someone who picks up the phone. That's the whole idea.
A lender for life
My clients become clients for life. Your next home, an investment property, or a refinance down the road: I'm here for all of it, before, during, and long after closing.
Let's talk. No cost, no pressure.
You don't need perfect credit or a big pile of savings to start. The best thing you can do is have a conversation and build a roadmap, ready now or a year from now. There's no charge and no obligation.