About Our Company

phone: 407-875-0600

Pearl Lefkowitz, President

Pearl Lefkowitz President

Since 1986, Palm State Mortgage Company has been a privately held, Florida licensed mortgage brokerage corporation, always maintaining State and Federal practices in good standing.

Palm State specializes in securing the best possible mortgage loan terms for all types of residential and small commercial properties throughout the state of Florida. Extremely careful consideration is given to each individual borrower’s goals and qualifications.

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

Palm State loan applications are expeditiously originated electronically, or in person, if preferable. A list of supportive documentation needed for the Underwriting of the loan file will be requested. Upon receipt of the requested documentation, processing and underwriting of the loan will be fast.  Typically, Underwriting Approvals are received within hours, or at most, a couple of days.

Once loans are approved by the underwriters, all approval conditions are quickly gathered with title and homeowner’s insurances, in order to meet the Borrower’s requested Closing Date.

Honest Estimate of Mortgage Fees

Realistic expectations of financing fees; monthly payments; and funds needed at the time of closing will be thoroughly explained to borrowers upfront, and prior to their formal loan application.

With this preliminary projection, borrowers are able to “shop” Palm State’s loan offerings against other lenders to be sure that they are getting the best financing terms available at that time. Additionally, this assures our clients that their loan’s Closing will ultimately proceed smoothly, and to their understanding and satisfaction.

When able, a representative of Palm State Mortgage will join their clients at the Closing table to answer any remaining questions that they may have.

Personalized service from start to finish is why our clients return to Palm State over the years… because we truly care about each and every client making their best financing choice.

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Free Home Mortgage Consultation

For a free home mortgage loan consultation and Worksheet, please press the “Purchase Worksheet” or the “Refinance Worksheet” button or tab, and complete the few general questions.

One of the Palm State Mortgage team will promptly contact you with assistance, and written projected details of the prospective transaction, at interest rates that can be currently locked-in.

In this way, you can have your questions answered prior to making application, and compare interest rates with their corresponding fees to the lender, or the credits towards your closing costs.

We look forward to helping you make the best choices!