Bethel, CT NMLS# 1456002

158 Greenwood Ave, Bethel, CT 06801

The Bethel, Connecticut branch was built for buyers who want straight answers, local insight, and a mortgage process that actually moves. Positioned in one of Fairfield County’s most dynamic communities, our team works with clients who value both small-town character and big-picture opportunity.

 

We specialize in guiding borrowers through real-world scenarios; first-time purchases, competitive offers, renovations, refinances, and investment properties using a broad lineup of loan programs including FHA, VA, USDA, jumbo, renovation, HELOC, and non-QM options. Our approach is proactive, strategic, and centered on keeping deals together in fast-moving markets.

 

Known for responsiveness and follow-through, our Bethel team partners closely with real estate professionals to deliver clean files, strong approvals, and on-time closings. We don’t believe in cookie-cutter lending, just smart financing backed by people who know the local market and care about the outcome.

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Testimonials

I had the best team to help me through the home purchase process- Mr J Lopez thank you for your help, support and professionalism!

Elitsa C.

thelenderlist

Testimonials

Susan was absolutely amazing from the start of the whole process. She was so helpful in explaining everything in a way that made the whole process so easy! Total Mortgage was also very expedient in the entire process.

Shupta H.

thelenderlist

Testimonials

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

Testimonials

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

Testimonials

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

Testimonials

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

Testimonials

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

Testimonials

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

Testimonials

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

Testimonials

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
Mortgage Rates Illustration

Tasas hipotecarias hoy

La tasa de interés actual para hipotecas a 30 años con tasa fija es tan baja como el 6.000%. Obtén un presupuesto personalizado en tan solo unos minutos.

Las tarifas anteriores se actualizaron por última vez el February 15th 2026, 4:30pm EST.

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Calcule los pagos, calcule su presupuesto y determine los ahorros de refinanciamiento en segundos con nuestras calculadoras de hipotecas.

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