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Denise Panza photo

Denise Panza

VP, 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

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An overall great experience working with Denise on the purchase of our new home in Boca. Denise is very professional and determined to please her clients and she exudes a wealth of knowledge regarding her industry. Any time of day or night that my wife or I had a question or needed her opinion she was quick to respond with an answer that made sense. We appreciated her time and patience to assist us on our journey of the purchase of our new home! We highly recommend her for anyone’s future lender needs.

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Jeffery Glaus

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Just closed my third transaction with Denise and can't sing her praises high enough! She is beyond a Mortgage Professional, she is the epitome of Trusted Advisor and Friend! There is nothing about the typically frustrating and boring mortgage process that she doesn't make super easy and actually not feel like a financial transaction, more like chatting with your friend about life! I will always use Denise for any and all of my Mortgage needs and she is always my referral of choice for family and friends I know need only the very best person to take care of them.

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Teddy Roman

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Just closed my third transaction with Denise and can't sing her praises high enough! She is beyond a Mortgage Professional, she is the epitome of Trusted Advisor and Friend! There is nothing about the typically frustrating and boring mortgage process that she doesn't make super easy and actually not feel like a financial transaction, more like chatting with your friend about life! I will always use Denise for any and all of my Mortgage needs and she is always my referral of choice for family and friends I know need only the very best person to take care of them.

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Teddy Roman

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Lexington is a rip-off; I worked with them for almost 2 years with the aim of qualifying for a mortgage at the end of last year. But my target was not met and with last year gone without any tangible achievement, I lost my confidence in them. I tried every hack in the book but nothing changed. A realtor introduced me to (metronet credit solution) an expert who had been helping his clients. They helped me raise my score to 740; I was able to qualify for a home loan. I’m recommending their services on every forum as promised. You can contact them via mail: METRONETCREDITSOLUTION at GMAIL dot COM

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Rose Allison

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Denise is a mortgage broker that is on her game. She will answer your text or phone calls immediately!! I have personally used Denise as my Mortgage Broker twice and I wouldn’t use anyone else! I have referred her to my family members and being a NYS Real Estate Associate Broker I refer her to my clients as well and they all love her. If you want the BEST use Denise Panza.

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Donna M McGroder

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

Frederic J Barone

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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

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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.

rigiron65

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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!!! ❤️

BAlicea

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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

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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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