Pearl Lefkowitz

Pearl Lefkowitz, President

Since 1986, Palm State Mortgage Company has been a privately held, Florida licensed mortgage broker and brokerage corporation in good standing. Palm State specializes in securing the best possible mortgage loan terms for residential and small commercial properties throughout the state of Florida, with most careful consideration given to each individual borrower’s needs and qualifications.

Palm State is able to offer top service because of the company’s seasoned age and the staff’s extensive mortgage experience in Florida. Staff members continue to strive to help make homebuyers’ “dreams” come true, and in the most affordable manner possible.

Palm State loan applications are expeditiously originated either in person, electronically, or by complimentary overnight mailers; and then processed for submittal to mortgage underwriters in a time efficient manner.

Once loans are approved by the underwriters, all approval conditions are quickly gathered in order to meet the projected closing dates. For knowledgeable borrowers who choose to carefully “shop” for their mortgage, just as they diligently shopped for their real estate purchase, Palm State’s specialists are a “must” contact!

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Denise Eckman

Denise Eckman,
Loan Originator

Denise Eckman is the newest member of the Palm State family and she possesses a deep knowledge of mortgage lending practices. Denise’s banking and lending experience comes from working at larger retail bank organizations; experience which has given her the insight on how to help more home buyers into lending solutions that match their personal, family and financial needs.

“I couldn’t be happier at Palm State. Working with a hand-picked group of Lenders that give me the ability to offer more options to my customers is the most important thing to me. Coming from a large bank background, you are very limited in the programs you can offer people. Pearl and her team have the experience and depth in offerings that any Loan Originator would be delighted to have at their disposal.”

Denise lives and works in Palm Coast, FL and is the face of Palm State Mortgage in Volusia and Flagler Counties. She has worked with countless home buyers, Realtors and builders and encourages you to stop and say hello if you see her out and about in the Community.