Financing Your Dreams

Located conveniently in beautiful Winter Park, Florida, we have been providing mortgage solutions for clients in the Central Florida area since 1986.

We are a licensed Florida mortgage broker, and pride ourselves in offering real estate purchasers and refinancers the best financing terms available.  Our borrowers expect highly experienced professionals to advise and process their mortgage loan requests.  And, that is exactly what we pledge to our clients…many of whom are “repeats” from our over 30 years in business!

True expectations of financing fees; monthly payments; and funds needed at the time of closing will be thoroughly disclosed to borrowers ‘upfront’.  This assures our clients that their closing will ultimately proceed  smoothly and to their satisfaction.

For a free mortgage loan consultation, please submit your Purchase or Refinance Worksheet.  One of the Palm State Mortgage team will promptly contact you with assistance.  We look forward to helping you finance your residential and small business properties!

Refinancing Worksheet

Refinancing your existing mortgage, or mortgages, requires great care. We encourage you to ‘shop’ for the most knowledgeable consultant offering the most beneficial and competitive loan options.

Purchase Worksheet

Applying for a mortgage for your property purchase is one of the most important decisions associated with your purchase that you will make. We encourage you to ‘shop’ for the most knowledgeable consultant offering the most beneficial and competitive loan options.

Personal Service Is Our Specialty

  • Licensed Florida mortgage lender
  • In-house staff with over 50 years of combined mortgage experience
  • Many financing programs, including FHA, VA, and USDA
  • Reverse mortgages
  • Renovation Loans
  • Small commercial loans

Loan types for  every need

  • Fixed Rate
  • Adjustable Rate
  • Jumbo Loans
  • FHA
  • VA
  • USDA
  • Primary, Vacation, & Investment Homes


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.

P. Rose

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.

H. & P. Peacock

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.

L. Chanthavong & D. Sophavandy

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.

Jon Rose