Welcome to Palm State Mortgage Company

Financing Your Dreams

With our home office located in Winter Park, Florida, we have provided home mortgage solutions for clients throughout the State of Florida since 1986. We are a licensed Florida Mortgage Broker, and pride ourselves in offering real estate purchasers and refinancers the best financing terms available.  We Originate; Process; and orchestrate the loan’s Closing for leading, national mortgage lenders.  Our borrowers expect highly experienced professionals to advise them in making important financing decisions; offer the best terms; and to skillfully process their home mortgage loan requests.  And, that is exactly what we pledge to our clients…many of whom are “repeats” from our over 35 years being a family owned and operated business!

Contact us Today!
407-875-0600

Couple in a new home with keys

Purchasing a Property

Applying for a mortgage for your prospective property purchase is one of the most important decisions associated with the purchase that you will make.

Just as you have “shopped” for the right property, we encourage you to also “shop” for the most knowledgeable consultant who is offering the most beneficial and competitive loan options.

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Refinancing a Property

Refinancing your home requires great care. You may not currently have a mortgage lien on your property, or may have one or two existing mortgage liens.  How to handle the pay-offs, and/or re-subordination of an existing second lien, requires special analysis.  Do you wish to take cash-out?  Do you wish to roll the closing costs and prepaids into the new loan?  Do you wish to compare different loan terms?  Again, we encourage you to “shop” for the most knowledgeable consultant offering the most beneficial and competitive loan options at the lowest costs.

Personal Service Is Our Specialty

  • Licensed Florida Mortgage Broker since 1986
  • Same In-house family office staff for over 35 years
  • Conventional; FHA; VA; USDA; Home Equity Lines of Credit
  • Construction-Renovation Loans
  • Free Home Mortgage Consultation
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Loan Types For Every Need

  • Fixed Rate
  • Adjustable Rate
  • Jumbo Loans
  • Primary Residences
  • Second Homes
  • Investment Homes
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Client Feedback

Your opinion matters!

{Palm State Mortgage is an exceptional Mortgage Broker. Pearl was very helpful in letting us know what to expect and what documents we had to get together. Her  knowledge made the process faster and smoother. Pearl is professional, friendly and helped us  get to closing quickly with a good rate. We felt like she really cared and even joined us at the closing to celebrate. We are very  happy we chose Palm State to help us get our new home.
5
Debbie and Irwin Bellinkoff
{Have been doing business with Pearl & her Palm State Mortgage Company for several years. From our first transaction to a recent purchase of a 2nd home, the process has been consistently a pleasant & professional experience. Let her extensive knowledge & abilities take the anxiety out of your next purchase.
5
Rob and Trish Kershner
{Pearl, I thank you for the splendid work you performed on the two occasions I refinanced my home with your company, Palm State Mortgage. You covered all bases by identifying the most competitive mortgage rates available at the times and coalesced that knowledge with your experiences of working with these lenders. On both occasions the procedures of closing these loans went smoothly and expeditiously. I don’t believe that I shall ever need to do a third refinancing, but if I did, I would most certainly work with you again.
5
Jon Rose
{We have the greatest service and I would definitely recommend Palm State to all my friends and family. We thank you again for your help.
5
L. Chanthavong and D. Sophavandy
{Over the years it has been a true pleasure to work with Palm State Mortgage. No matter what our needs, you and your staff have always come through with the best solutions in a timely manner. Your wealth of knowledge helps make all our transactions so easy.
5
H. and P. Peacock
{We have used “Palm State Mortgage” twice now in the past 10 years. We have been very happy with their services both times. Pearl and her team are very knowledgable and made the whole process easy and quick. We closed on time and without any unnecessary drama which we encountered before with other lending companies.
5
Paul B. Rose
{We have the greatest service and I would definitely recommend Palm State to all my friends and family. We thank you again for your help.
5
L. Chanthavong and D. Sophavandy