Palm State has been a licensed mortgage lender in Central Florida since 1986. We originate, process, and close home loans. Our reputation over the past 25 years has been to professionally consult with our borrowers, offering them various mortgage options, at the lowest available interest rates. Upon analysis of their options, they will be able to make the most advantageous decision as to which is best for them---financing that will likely offer them the most monetary Savings over the life of the loan. From application to closing, Palm State is highly service-oriented. The only business that we conduct is mortgage business; therefore we pride ourselves in our knowledge and expertise in this area. Our in-house staff alone has cumulatively over 50 years in the residential mortgage origination industry. To be sure that you are requesting the best available financing for your home purchase or refinance, please call Palm State before applying!