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

Provided clear explanations of the reverse mortgage process.

Ann M.

encompass

Testimonials

Don was amazing start to finish. We continue to use him time and time again because his wealth of knowledge, sage advice and trustwortiness is invaluable. He made himself available for any questions anytime and went above and beyond to help us. We will be forever grateful . Thank you Don!

Lauren K.

encompass

Testimonials

He always makes the process so seamless and transparent. he treats The relationship as a true partnership and not only provides valuable advice but really invest in make sure I feel like I have all the information I need to make an infomed decision - he has a wealth of knowledge that he doesn't hold to himself and there is no other person I would go to for lending - incredible service and incredible insight and wouldn't be able to accomplish what I want to accomplish without him

Chris K.

encompass

Testimonials

Sun makes the entire experience seamless and smooth. He is always a pleasure to work with.

Rosalie M.

encompass

Testimonials

From Start to finish everything was excellent with Don. He made the process the entire process easy and understandable. The legal team and title company were very nice, explained everything and it was quick and painless.

Marcanthony A.

encompass

Testimonials

Don went out of his way on helping me get my reverse mortgage. He thorough explained everything to me and was very diligent in following up and following through. He did a fantastic job and I will happily recommend him to anyone seeking a mortgage or refi.

Amanda A.

encompass

Testimonials

The transparency and efficiency in the process

Salvatore A.

encompass

Testimonials

Don made it great. He was always available whether through text or call. Explained things thoroughly and helped us a great deal. He was a pleasure to work with.

Kathryn A.

encompass

Testimonials

Detail and attention

Claire K.

encompass

Testimonials

Excellent follow up

Stephen K.

encompass

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
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Above rates last updated July 8th 2026, 4:30pm EST.

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