Susan Kayal photo

Susan Kayal

Mortgage Banker | Milford Branch

NMLS# 2308472

email [email protected]
C : (203) 948-1794

about me

Susan Kayal has always had a knack for solving problems, discovering the best solutions, and helping people find their happy place.


Susan was born and raised in Toronto Canada but found her way to the Nutmeg state 16 years ago where she married her husband and together are raising two beautiful girls.


She graduated from the International Academy of Design and technology with a degree in Merchandising and Marketing.

Susan continues to use these skills with trusted guidance out of consideration for her homeowners through the best programs suited for their needs.


After nearly 10 years in the Real Estate business, Susan has joined forces with the ever-seasoned industry leader and guru 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. 

client testimonials


I had a fantastic experience working with Susan during my loan process. She was incredibly attentive and thoughtful throughout the entire journey. Susan's consistent communication and regular updates on the loan process made the experience truly pleasant. Her dedication to keeping me informed at every step was greatly appreciated. I have no doubt that I will choose to work with Susan again in the future, and I have already recommended her services to my friends. Her professionalism and commitment to her clients are truly commendable, and I couldn't be happier with the service she provided. Thank you, Susan, for making my loan process such a smooth and enjoyable experience Lemon DeLucia

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Lemon DeLucia


Susan is on top of everything and keeps the realtor and the buyers informed. Response rate is great. She keeps everything moving. Would highly recommend her to my clients.

Donna Kuehn


Susan was the best and made our home buying experience as enjoyable and as easy as possible!!! Very responsive, always available and always able to help us with any questions that we had. She made this experience very smooth for us and we are so glad that we where able to work with her!!!

Daniel Finney


Susan is a life saver for us! Prior to working with her, we had a nightmare experience with our realtor, lender and attorney. While looking for new professionals to work with, we kept being told we would be pre-approved close to nothing in the market. It was extremely stressful especially after being pre-approved prior for a reasonable price. Thankfully Susan remembered a program for self employed borrowers. Due to this, we were able to get pre approved again. Susan was so easy to work with. She let us know when prices were too high for certain steps of the home buying processes and offered other suggestions. As first time home-buyers, we went through the ringer. We were happy to have found Susan that made a tough process a bit easier.

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Jillian Carlisle


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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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