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Denise Panza photo
Denise Panza photo

Denise Panza

VP, Mortgage Banker | Vero Beach 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

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We had a very smooth and fast closing with no issues! We are very thankful for Denise and the whole total mortgage team!

Thomas Ladue

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Excellent services. Are you dreaming to purchase a home? Denise can help you to fulfill your dream.

Steven Buntha Lim

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Denise was very informative when applying for my mortgage and was very quick to respond to all my questions. It was a pleasure working with her!

Dena Melissa Castelli

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Denise was amazing to work with. Very communicative, attentive to detail, and most importantly- ACTUALLY CARES. These things and more made working with Denise an enjoyable experience. I would recommend her to anyone looking for a mortgage lender!

Amaar Rahman

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We recently had the pleasure of working with Denise Panza to purchase our new home, and we couldn't be more satisfied with the experience. From start to finish, Denise demonstrated exceptional professionalism, expertise, and dedication. She provided valuable insights into the local market and guided us through every step of the buying process with patience and clarity. Denise went above and beyond to ensure we were comfortable and confident in our decisions, and her unwavering support made the entire journey stress-free and enjoyable. We highly recommend Denise Panza to anyone in search of a top-notch real estate broker. Her expertise, professionalism, and personalized approach make her an invaluable partner in the home-buying process.

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Stephen John Pauley

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Denise was communicative, friendly, and made it feel like we were on the same team - she was just as invested in our success as we were!

John Joseph Desrosiers

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Denise made it great! Her transparency, extremely insightful, quick turn around to all of our questions, helpful throughout the process, answering question after question even after hours.

Michael Angel Arroyo

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Highly responsive, clear answers, professional

Patti Ann Tran

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Denise was prompt with our introduction and kept me informed throughout the entire process. She also worked diligently behind the scene and with my agent and the attorney to ensure everything progressed smoothly. She found everything we needed - best loan rates and terms, good insurance and coverage. I am very happy with Denise and would recruit her for future needs as well as highly recommend her to my friends and family.

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Dat Quang Tran

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Was kept up to date on each step of the process.

Wes Sweeney

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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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