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 amazing very knowledgeable and very diligent this was by far the best experience I have ever had . I look forward to my next purchase & dealing with her again

Richard Gasparro


Denise was available anytime I had a question and she was able to answer any questions and concerns I had.

Concetta Di Lieto


Denise was so patient and understanding of our unique situation! No one tells you what it takes to buy a house until you actually try, she was not going to let us walk away without our forever home <3 I value the time and effort she put into our entire deal from start to finish and never hesitated to answer my annoying late night texts. A true angel. Deserves all of the success life brings her

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Olivia Rooney


Denise’s confidence was calming. She handled my mortgage process, start to finish, as if it was something as simple as giving me directions to a good restaurant. It made a huge difference with my anxiety level. Total Mortgage’s portal and prompts made supplying all the necessary documentation very easy. Couldn’t have been more pleased

Joseph Michael Chin


Made the first-time home buying process (from out of state no less) easy, with a great team to help streamline everything.

Jennifer Stein


Denise made herself available to explain things for me. She always escalated my concerns to make sure I got my answers. I never felt alone during this process. She had my back and I appreciate her so much!

Beatrice Charles


Denise was understanding and patient as my situation was not straight forward, but she gets things done! Through the entire process she was there or in the background making sure it gets to the finish line. Denise is amazing.



I was referred to Denise after my previous bank denied me in underwriting, 2 weeks before I was supposed to close. After our initial discussion and heart to heart conversation I realized I wanted to change directions. She was patient and answered all of my questions and concerns in a very timely manner. She understood I am a high anxiety person and really went above and beyond to be informative so I could breath alittle through this process. In the end I closed on a Multi family that was perfect and I couldn’t of asked for a better person to help me along the journey!

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Ashley T.


Denise was clear and concise in her communication and always available. She made what could be a very stressful experience extremely pleasant with her kindness and patience, and she worked incredibly fast so ww could close quickly!

Amanda Pulawski


Ms. Panza is a fast, delightful and knowledgeable. I received her number when I was in a situation where my prior lown specialist dropped the ball and I was very disappointed and discouraged. I was told that she is AMAZING and to give her a try. I'm so happy I took the advice! When I reached out to Ms. Panza she told me not to worry that she would help me get a lown and that I would not lose my accepted offer. She worked on my case quickly and efficiently. She was always available to answer any questions or concerns and notified me when she received my documents. Within the process Denise assistant was also helpful in getting all my documents together. The process was expedited so quickly that I closed on my first home on 9/9/22. I'm very grateful and happy to work with Denise. I can stop raving on how she is a go getter. She gets the job done! If you need a fast, efficient, knowledgeable lown specialist Denise Panza is the one!

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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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