Susan Kayal

Susan Kayal

Mortgage Banker NMLS #2308472

4.97
17 reviews

Mortgage Banker Susan Kayal has always had a knack for solving problems, discovering the best solutions, and helping people find their happy place in homeownership, even in competitive markets.

After several years in the Real Estate business, Susan has joined forces with the ever-seasoned industry leader Mortgage Gal Denise Panza. Together this power team will make sure that each loan is seen through with care and integrity every step of the way to guarantee a smooth transaction. 

Providing mortgage solutions for your Purchases, Refinance, HELOC and even non-QM. Offering a slew of products for first time and seasoned home buyers, VA’s and investors such as Conventional, FHA, VA, USDA, CHAFA, Jumbo and so much more. 

Susan believes that every client deserves personalized attention and takes the time to understand unique financial situation and goals, while educating clients about their options to make informed decisions.
Grounded in transparency and open communication, answering questions around the clock and providing updates every step of the way.

Susan’s goal is to build lasting relationships with her clients and is not just here for your current mortgage needs, but also to assist you in the future as your financial situation evolves.

Feel free to reach out to discuss how Susan can help you achieve your homeownership goals!

What my clients say

I recommend working with Susan Kayal as your mortgage advisor and banker as she not only gives you a thorough details on how to get more out of yourmortgage and be better with your current status of your home but also is compassionate enough in understanding our current situation as a homeowner by walking through the numbers suitable to your ecominic status and our preferences. We are ever so grateful to know her and Total Mortgage and we know we are in good hands for us who are still learning to thrive as homeowners

Rene F.

thelenderlist

My family and I worked with Susan Kayal from Total Mortgage during our recent first home purchase. We were very impressed by her communication and kindness. She was always prompt and reachable. Being first time buyer we had lots of concerns & questions. Susan provided clear and consistent updates during this complex process. She addressed our concerns and answered quickly by walking me through every steps. Susan Kayal professionalism and dedication in helping my family was impressive. I Highly recommend her if you are looking to purchase a home. Thank you Susan💗

Sheri P.

zillow

Great communication and prompt response is the key. She went above and beyond to help us with closing our property. She communicated effectively with my team of realtor, Attorney, insurance. I would highly recommend to choose Susan Kayal and Total Mortgage. I would definitely recommend her to my friends and family.

Prajay R.

encompass

Susan was fantastic. She helped me navigate very tricky times with mortgage rates and was incredibly responsive and in tune with my needs and concerns. We had several calls on my PM commute and I kept thinking it was unbelievable to have that level of service from a mortgage broker. I would absolutely recommend her to anyone!

David H.

encompass

Susan is accommodating with our needs and im surprised she also responded at off hours. She responded with professionalism with empathy. it was a pleasant and smooth transaction with our loan.

Rene F.

encompass

Susan was always made herself available to fully answer all the questions we had about the mortgage process and terms. Additionally, she made the process smooth and fast, allowing us to close on a house within three weeks without any problems.

George H.

encompass

Susan was available 24/7 throughout the whole experience. She’s highly responsive and extremely patient. As first time home buyers, Susan went above and beyond to clarify any questions we had on our loan and the overall home buying process. I’d recommend Susan to any home buyers looking to finance their dream home!

Valentina M.

encompass

Being new to buying an house Susan was there to help us every step of the way. She went through everything step by step and insure we understood everything that was happening! Susan was absolutely amazing!

Kristine S.

encompass

Susan is so friendly and approachable. She kept me updated almost daily. She also lifted my spirits when I would get out bidded. I just can't say enough. Thank you Susan.

Dawna J.

encompass

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Mortgage rates today

The current 30-year fixed rate mortgage is as low as 6.375%. Get a personalized quote in just a few minutes.

Above rates last updated December 13th 2025, 4:30pm EST.

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Have a question?

skayal@totalmortgage.com

(203) 948-1794