Naples, FL NMLS# 1994786

Larry Zezima is an absolute miracle maker. He is attentive, responsive and gives you 100% every single time. He handles everything you throw at him so effortlessly. We have used Larry multiple times and I can honestly say there is No One that will work harder for you than Larry.

Denise was absolutely fabulous!! She is professional and truly cares about her clients. It is not about the sale for her. It’s about helping her client achieve a milestone or dream of homeownership. She was immediate in her responsiveness and a true expert to guide you through this process!! I have been. In the mortgage industry for 30+ years and found the process with Denise one of the smoothest I have experienced. If you need someone on your side. Please choose Denise. She will get you onto your home and help you make that dream a reality ❤️

Larry walked in when I felt like I had no hope. He made my worries go away and our dreams came true. He thinks outside the box and his team works well together. I’m so grateful for deciding to use his services and would recommend anyone to do the same. He’s honest, efficient and made our dreams come true.

We just closed on our new home and could not have done it without Denise. She made the whole mortgage process so easy and guided us every step of the way. She was always available to answer our questions and we would recommend her to anyone!

I cannot say enough about how helpful Denise was throughout this entire process. If you're considering a mortgage or a HELOC, don't put it off, Denise will make it easier than you ever thought it could be!

Denise was absolutely amazing to work with. She did a great job communicating. Was very quick to respond to questions. I would definitely recommend her and Total Morgage!

Denise is absolutely amazing at what she does. She always picked up her phone, answered all of my questions, and had us cleared to close in just 10 business days. I highly recommend Denise to anyone looking to purchase or refinance their home!

We needed to refinance our home on Anna Maria Island and we desperately needed a mortgage broker. Someone referred us to Denise Panza of Total Mortgage which worked out perfectly. The process began on April 21, 2026. Denise has a great easy-to-use portal where we could upload all of the necessary documents. By April 23, she had provided us with an amount that we could borrow, based on our needs, and a very accurate interest rate. There were a few bumps in the road which were all created by us. Denise tackled them head on, seemingly working 24/7, and got them quickly resolved. She was determined to get this refinancing done quickly, efficiently and created little stress on our part. We were waiting for the appraisal in order to tweak the exact amount we could borrow. When the appraisal came in, we were able to adjust the amount borrowed to satisfy our final needs. Denise seemed to have a great relationship with the underwriter, title company and appraiser. We closed on May 15, 2026 and were funded on May 20, 2026. Needless to say, we would highly recommend Denise Panza to secure a mortgage. Uh in

Highly recommended! Excellence from beginning to end! Thank you Denise!

I couldn't had a better experience purchasing a home with Denise. She's truly the best. I would recommend her to the pope if I could. A few words to describes her.... Integrity. Diligent. Class.

Denise Panza is the most amazing mortgage originator and we were lucky enough to had been given her number from a friend. She fully exceeded my expectations and I found her to be amazing to work with!! We will continue to use Denise for all future mortgage needs! Thank you Denise and Total Mortgage!!!! Ken and Sue Pearson

Denise Panza was our loan originator. I’m impressed with the way she took this file and cared for it and us through this entire process. I’m quite certain this file was like none other that she’s had before, but she was there helping us every step of the way. One thing that impressed me so very much was no matter what time I emailed her or messaged her she was right back with me immediately every single time I had a concern or a thought regarding this loan process. Denise is one of the hardest working people that I know and I am so impressed with her that I’ve already given her name to one of my very good friends. And will continue to do so. Denise will always have any future business that we might need.. Denise is absolutely impressive at her job and we give her two thumbs up all the way.! Thank you Denise and thank you total Mortgage for all your help with our mortgage! Kenneth and Suzanne Pearson

I had a great experience working with Denise Panza. From start to finish, she was professional, knowledgeable, and genuinely committed to making the process as smooth as possible. Denise was always responsive, answered all my questions clearly, and made sure I felt confident every step of the way. What really stood out was her attention to detail and her ability to handle challenges quickly and efficiently. She went above and beyond to ensure everything stayed on track and that my best interests were always the priority. I highly recommend Denise Panza to anyone looking for a reliable and dedicated broker. Working with her made what can often be a stressful process feel much more manageable and even enjoyable.

Denise is absolutely amazing & made this entire process so easy, smooth & exciting. there was no stress because of Denise handling it all !!

Denise was wonderful to work with and I knew she was with me every step of the way throughout my mortgage process. She explained every step, provided guidance when I needed it, and ensured that all of the stakeholders throughout the homebuying process were organized and on the same page. Denise kept the process on track - I really felt like I had a partner through the daunting task of securing a mortgage and buying a home! My broker and lawyer loved working with her as well - Denise communicated openly and frequently and was easy to work with throughout the process. And I received a competitive mortgage rate! I would absolutely recommend Denise and Total Mortgage!

From the beginning of my refi journey till the very end and every step of the way Denise made the process stress free and kept me apprised of everything that was going on, I highly recommend Denise & Total Mortgage!!

Very easy experience. Zachary Rathjen was wonderful to work with. He was very responsive, explained the process well, and answered all my questions. I appreciated the fact that he would get on the phone to explain something in addition to responding via email. Overall it was a positive experience during a very stressful time.

Denise went above and beyond for us and we couldn’t be happier with our experience. As first time homeowners, Denise was always available to answer any questions we had and made the entire process as smooth as possible. We are very thankful for her!

Denise was an awesome partner in the home buying process. She was quick to respond and so helpful at every step. I’ll recommend her and her team to everyone!

Denise has helped me with three different mortgages over the years, and every experience has been excellent. She is extremely knowledgeable, professional, and always available to answer questions and explain the process clearly. What really stands out is how much she genuinely cares about her clients and works hard to get the best possible results. Her communication, attention to detail, and dedication are second to none. After working with her three times, I wouldn’t trust anyone else with my mortgage needs. If you’re looking for a loan officer who is reliable, experienced, and truly great at what she does, I highly recommend Denise!