Emmett Dempsey

My story

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.

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.

My wife Cheryl and I run this together, as a family. Every file is family here. We both know every borrower's story, 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.