Denise Panza

Denise Panza

VP, Mortgage Loan Originator NMLS #16446

4.98
410 reviews

With over 30 years of mortgage banking experience, I help clients through the loan process with confidence, clarity, and just the right amount of flair (have you seen my LinkedIn letter boards?!). I combine extensive industry knowledge with a personal touch to deliver exceptional results—every time.

If you need a mortgage, I’m your gal!  I run the gamut when it comes to loan products and programs, working with a wide range of clients. It should be known that I have a soft spot for first time homebuyers!

I offer a full suite of mortgage services—residential purchases, refinances, investment properties, and commercial financing. I’m licensed in New York, Connecticut, Massachusetts, New Jersey, Virginia, Texas, Georgia, North Carolina, South Carolina, Ohio, Tennessee, Florida, Rhode Island, Kentucky, Maine, Maryland, Michigan, Nevada, New Hampshire and Pennsylvania. Basically, I go where the loans take me!

I like to say I put the fun in funding! And have been told I strike the perfect balance of hustle, heart, and humor.

My goal? To make the loan process feel less like a chore and more like a celebration! Many of my clients become lifelong friends—and some even consider me part of the family. This is always the greatest compliment!

Before we found Denise my family did not know if we would be able to find a home but she was an absolute god send. Highly recommend her to anyone looking for a home.

Birdie P.

google

Denise was a pleasure to work with. She made the entire process smooth and efficient, and we were able to close in less than two weeks with a great rate. She was always prompt, knowledgeable, and responsive. I highly recommend her!

Victor J.

google

Denise was amazing to work with. Very professional and always available when i emailed, called, texted. She was pleasure all the way to the finish line! xoxo

Toni P.

google

⭐️⭐️⭐️⭐️⭐️ + Denise Panza is truly THE BEST OF THE BEST 🙏❤️! As a Florida real estate professional and an expert in Naples FLORIDA area, I have had the pleasure of working with Denise on multiple mortgages for my clients / buyers, and she has consistently delivered an exceptional experience. Her professionalism, extensive knowledge, and more than 30 years of mortgage banking experience are evident throughout every transaction. Denise always goes above and beyond to find the right financing solution, communicate clearly, meet important deadlines, and ensure the entire loan process moves forward as smoothly as possible. Her responsiveness, attention to detail, and ability to get things done in a timely manner continually exceed everyone’s expectations. Most importantly, Denise genuinely cares about every client she serves. She combines expertise and determination with a warm, personal approach that gives buyers confidence and peace of mind throughout the mortgage process. I trust Denise completely with my clients and highly recommend her to anyone seeking an experienced, dependable, and outstanding mortgage loan originator. She truly puts the fun in funding and delivers five-star service every time! ⭐️⭐️⭐️⭐️⭐️

Naples L.

google

Working with Denise was such an amazing and helpful experience!! I would recommend her to anyone.

Anthony L.

google

I can't emphasize enough how amazing Denise was in this mortgage process, Denise is a friend before she is my loan officer...she made a dream in the making become a reality in few weeks...I've known Denise for almost 10 years and watched her make other people dreams come true but never thought that one day that will be me ...Thank you for all your attention to every detail to work with me to process and approve my mortgage so I can own my own home in Florida...Denise is a 100 stars valuable not just 5 stars...Love, Rose

Rose S.

google

It’s rare that I come away genuinely impressed with the level of service I receive, but working with Denise and Total Mortgage was one of those exceptional experiences. I was truly surprised by their dedication, responsiveness, and unwavering commitment throughout the entire process. Denise was always available when I needed her—consistently the last to respond because she was waiting on me, never the other way around. That level of attentiveness and accountability is hard to find. On top of that, the ease of using their website and mobile app made the entire experience feel almost too simple—like it shouldn’t be this easy to navigate such an important process. Overall, an outstanding team that goes above and beyond. I would highly recommend them to anyone looking for a smooth, efficient, and truly supportive mortgage experience.

Duane M.

google

⭐⭐⭐⭐⭐ We had a long and challenging journey to get our house closed, and Denise was there every step of the way. From the very beginning to the final closing, she showed incredible patience, professionalism, and dedication. No matter what obstacles came up, Denise worked hard to keep everything moving forward and always kept us informed throughout the process. Her commitment and persistence made all the difference in helping us successfully close on our home. I am truly grateful for all of her hard work and support. If you’re looking for a knowledgeable and reliable real estate professional, I highly recommend Denise. I look forward to working with her again in the future!

Homero D.

google

⭐⭐⭐⭐⭐ We had a long and challenging journey to get our house closed, and Denise was there every step of the way. From the very beginning to the final closing, she showed incredible patience, professionalism, and dedication. No matter what obstacles came up, Denise worked hard to keep everything moving forward and always kept us informed throughout the process. Her commitment and persistence made all the difference in helping us successfully close on our home. I am truly grateful for all of her hard work and support. If you’re looking for a knowledgeable and reliable real estate professional, I highly recommend Denise. I look forward to working with her again in the future!

Homero D.

google

Denise was absolutely fabulous!! She is professional and truly cares about her clients. It is not about the sale for her. It’s about helping her client achieve a milestone or dream of homeownership. She was immediate in her responsiveness and a true expert to guide you through this process!! I have been. In the mortgage industry for 30+ years and found the process with Denise one of the smoothest I have experienced. If you need someone on your side. Please choose Denise. She will get you onto your home and help you make that dream a reality ❤️

Paula M.

google

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