Bethel, CT NMLS# 1456002

158 Greenwood Ave, V-101, 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.

House

The selection you need at the interest rate you want.

Testimonials

Muy buena persona, respetable y responsable.

Rosa S.

thelenderlist

Testimonials

Susan was on top of every step, never missed a beat! Can’t speak highly enough about the total mortgage team!

Eric O.

thelenderlist

Testimonials

This has been the most amazing and peaceful mortgage application approval ever… Thanks…After a very bad and traumatic experience in the past, this has been the best of the best… Thanks to the whole TM team, especially Jose and Ileana… You really rock :)

Ricardo R.

thelenderlist

Testimonials

Muy buenas comunicación muchas paciencia José es el mejor

Yamil C.

thelenderlist

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

Great!! Job mr vladimir made the process feel really smooth would choose him a millions times more.

Miguel O.

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

Testimonials

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

Testimonials

Susan is very professional, knowledgeable, pleasant , kind a great sales person . I was very lucky and happy to work with her . Thank you !!!

Georgetta M.

encompass

Testimonials

Susan knows what she is doing and stays on top of things, very pleasant to work with.

Michael V.

encompass

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

Lemon D.

encompass

Testimonials

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 K.

encompass
Mortgage Rates Illustration

Mortgage rates today

The current 30-year fixed mortgage rate is as low as 6.625%. Get a personalized quote in just a few minutes.

Above rates last updated May 29th 2026, 12:30pm EST.

Crunch the numbers

Calculate payments, estimate your budget, and determine refinance savings in seconds with our mortgage calculators.

Mortgage Calculator