Denise Panza photo

Denise Panza

Senior Mortgage Banker | Milford Branch

NMLS# 16446

email [email protected]
C : (203) 942-6845

about me

Every day, Denise Panza wakes up with the following goals: to operate with integrity, devote herself to her family, friends, and clients, and operate with equality for all in need of her services.

Denise is honored to hold the title of “mom” to her amazing children and Senior Mortgage Banker at Total Mortgage. To add to that, she’s been referred to others across the country, is licensed in numerous states, and is honored to be working in her field for over 27 years! 

She delights in her son’s incredible work as a designer, part-time model, and full-time skateboarder and her daughter’s outstanding talents and compassion for others. She’ll be starting college in Florida in the fall to study psychology.

Denise is a graduate of Northeastern University, where she majored in education and now utilizes her teaching skills to inform homebuyers about the financing process! As a true professional in her field, Denise continues to be highly referred by her clients.

client testimonials


Denise is very knowledgeable and goes above and beyond for her clients. I highly recommend Denise for your mortgage needs.

Frederic J Barone


It is not very often that one can find an example of exceptional service while at the same time feel that the service provider is acting with the client's best interest at heart. Denise exemplifies this; not only was she communicative, responsive and very engaging, in my humble opinion, she went above and beyond what someone in her profession would normally do. I would highly recommend Denise to anyone interested in a mortgage. It was a phenomenal experience, many thanks Denise!

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Rigoberto Giron


Denise exemplifies exceptional service with client’s best interest at heart. She is responsive, communicative and very engaging going above and beyond what someone in her profession would do. I would highly recommend her to anyone looking for a home loan.



Denise made this whole process run smoothly. She gave 110% of her knowledge and her time. She answered every question and worked hard every step of the way! I appreciate Denise and her team! Thank you!!! ❤️



Denise was on top of everything and had patience with us during this whole process. She treated us with respect and was a great help in making this whole process run smoothly.

Belinda Alicea


Once again Denise does not disappoint. She was with us from start to finish. Denise is unbelievably fast and gets things done. Her knowledge and professionalism are unmatched. This the second time we have used Densie and could be happier. We highly recommend Denise for your mortgage or refinancing needs. Thanks Again Densie. ❤ Fred & Donna

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Denise, thank you for taking care of us during our first home purchase. We had a million questions and steps to take but you helped guide us through it every step of the way!



Denise is a superstar! Her communication was excellent, she processed our application and got us clear to close within two weeks (unbelievable). She is a true expert who keeps everyone on track and is always a step ahead. I would recommend Denise to anyone looking for a mortgage.

Jay Laramie


If you are looking for someone that is professional through and through, there is no other person than Denise. Her attention to detail and ability to provide choices has been refreshing. Strongly recommended!

Daniel B


Denise was so attentive and walked us through every step. She was available to answer any question and responded promptly. We could not be more pleased with the service that was provided for us. We will certainly recommend Denise to anyone we know.

Stephen Littier III


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about total mortgage

At Total Mortgage, we work hard to make it easy. Since 1997, we've combined the personal service and accountability of a local lender with the low rates and product selection of one of the big guys. No matter the loan, we’re with our borrowers every step of the way, from application to closing. It’s no wonder we are a five-star rated lender on Zillow.

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