New Jersey

Before we found Denise my family did not know if we would be able to find a home but she was an absolute god send. Highly recommend her to anyone looking for a home.

Denise was a pleasure to work with. She made the entire process smooth and efficient, and we were able to close in less than two weeks with a great rate. She was always prompt, knowledgeable, and responsive. I highly recommend her!

⭐️⭐️⭐️⭐️⭐️ + Denise Panza is truly THE BEST OF THE BEST 🙏❤️! As a Florida real estate professional and an expert in Naples FLORIDA area, I have had the pleasure of working with Denise on multiple mortgages for my clients / buyers, and she has consistently delivered an exceptional experience. Her professionalism, extensive knowledge, and more than 30 years of mortgage banking experience are evident throughout every transaction. Denise always goes above and beyond to find the right financing solution, communicate clearly, meet important deadlines, and ensure the entire loan process moves forward as smoothly as possible. Her responsiveness, attention to detail, and ability to get things done in a timely manner continually exceed everyone’s expectations. Most importantly, Denise genuinely cares about every client she serves. She combines expertise and determination with a warm, personal approach that gives buyers confidence and peace of mind throughout the mortgage process. I trust Denise completely with my clients and highly recommend her to anyone seeking an experienced, dependable, and outstanding mortgage loan originator. She truly puts the fun in funding and delivers five-star service every time! ⭐️⭐️⭐️⭐️⭐️

This is my second time working with Tim and somehow he's gotten better, this was streamlined and Tim kept me updated and informed all throughout the process. Returned calls and e-mails in a timely manner and gave me all the necessary information that i could use so as to make a decision.

TJ was great to work with. Very responsive and made the process super easy while answering every question I had in detail. Highly recommend working with him!!

I had an excellent experience with the whole team, but Zach definitely made sure that I knew he had things under control. Anytime I had a concern he addressed it politely and professionally. It was like working with a friend not just another business man looking to meet his numbers. I will definitely be referring my insurance clients to him and Total mortgage!

I would 100% recommend Shane as your mortgage lender. He was extremely nice and thoughtful throughout the whole experience. He made the process extremely quick and easy and was there anytime you needed him. Definitely use Shane as your lender!

George made me feel completely at ease and comfortable throughout the entire home-buying process. He was always just a phone call away, promptly answered all of my questions, and consistently returned my calls in a timely manner. His promptness, professionalism, and support helped ease all of my fears about buying a home. Thanks to George, the process was much easier, less stressful, and even fun! I’m truly grateful for all of his help and would highly recommend him to anyone looking to buy a home.

Mortgage Experience Review I had a wonderful experience working with Total Mortgage, and I am truly grateful for all their help throughout the process of obtaining my mortgage to purchase my coop. Kevin Kearns worked extremely hard to help get my loan approved. He was professional, dedicated, knowledgeable, and always willing to go the extra mile to make sure everything moved forward smoothly. Purchasing a home can be stressful, but Kevin’s hard work and commitment made the process much easier for me. I truly appreciate his patience, communication, and determination in helping me achieve my goal of becoming a co-op owner. Thank you, Kevin, and the entire Total Mortgage team, for your outstanding service and support. I would highly recommend Total Mortgage and Kevin Kearns to anyone looking for a mortgage and a team that genuinely cares about their clients!

I first came across Shane in some google searching in 2024, and at that point he helped me realize we weren't in position yet to make a purchase. We continued slowly eyeing the market for the next couple years and Shane stayed in touch, occasionally checking in to see how we were doing and give an update on rates. Fast forward to 2026, we finally decided we wanted to fully engage in the homebuying process, and Shane was ready to go to bat for us right away on short notice. We (luckily) had an unusually fast process of finding a home we liked and having an offer accepted, and Shane was ready with our pre-approval and full mortgage process, guiding us as first time homebuyers through the process and responding quickly to all our texts and calls with questions. Along the way Shane also made some savvy, smart, creative recommendations that helped us nail the purchase and drew compliments from my real estate agent. Basically, you want Shane on your team as you go through the homebuying process (especially if it's your first time), you'll feel confident and supported the whole way!