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VP, Mortgage Loan Originator | Naples, FL
With over 28 years of mortgage banking experience, I help clients through the loan process with confidence, clarity, and just the right amount of flair (have you seen my LinkedIn letter boards?!). I combine extensive industry knowledge with a personal touch to deliver exceptional results—every time.
If you need a mortgage, I’m your gal! I run the gamut when it comes to loan products and programs, working with a wide range of clients. It should be known that I have a soft spot for first time homebuyers!
I offer a full suite of mortgage services—residential purchases, refinances, investment properties, and commercial financing. I’m licensed in New York, Connecticut, Massachusetts, New Jersey, Virginia, Texas, Georgia, North Carolina, South Carolina, Ohio, Tennessee, Florida, Rhode Island, and Pennsylvania. Basically, I go where the loans take me!
I like to say I put the fun in funding! And have been told I strike the perfect balance of hustle, heart, and humor.
My goal? To make the loan process feel less like a chore and more like a celebration! Many of my clients become lifelong friends—and some even consider me part of the family. This is always the greatest compliment!
Client Testimonials
Total Mortgage is an outstanding team of experts and true professionals. From start to finish, the process was smooth, transparent, and stress-free. They took the time to explain everything clearly, answered all my questions, and made sure I felt confident every step of the way. Their knowledge and attention to detail are unmatched. I highly recommend Total Mortgage to anyone looking for a trustworthy and reliable mortgage partner!
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can’t say enough about working with Denise. She had my back throughout the process and I would highly recommend her
Denise Panza is nothing less than a superstar!! I have known Denise personally now for many years and this is the first time that we have used her for a mortgage. To say she jumped through hoops to make this happen is an understatement - the hoops were on fire and she was in a cage with hungry lions! We are so very thrilled to have our new home on Tybee Island and look forward to many happy years there all thanks to Denise!!! To say that we are indebted to you is simply not enough. THANK YOU, DENISE, from the bottom of my heart!
Denise Panza is nothing less than a superstar!! I have known Denise personally now for many years and this is the first time that we have used her for a mortgage. To say she jumped through hoops to make this happen is an understatement - the hoops were on fire and she was in a cage with hungry lions! We are so very thrilled to have our new home on Tybee Island and look forward to many happy years there all thanks to Denise!!! To say that we are indebted to you is simply not enough. THANK YOU, DENISE, from the bottom of my heart!
excellent communication between all parties
D - Determined E - Energetic N - Natural I - Imaginative S - Sincere E - Effective
Hi Denise! I just wanted to send a huge thank you for helping me purchase my first home. It was such a pleasure working with you! You were always available and answered all my questions so quickly, no matter the time of day. You made the entire process easy, and I truly appreciate your dedication and support. You are by far the best mortgage banker, and I can't thank you enough for being part of my journey. I highly recommend you to anyone looking for a great experience. Thanks again!
Denise is hands down the best mortgage broker anyone can ask for to handle a loan application from start to finish. She goes all in from start to finish. From counseling prior to the application, to getting a preapproval, to getting funded, to closing…she will be there every step of the way! She becomes a trusted friend during the process, not just someone who is handling a business transaction. If that’s what you want, go talk to a bank. If you want a trusted ally and friend to fight for you every step of the way, contact Denise for all of your mortgage and real estate financing needs! If you have a question, she will have an answer for you promptly! She is absolutely the best! After multiple successful transactions, I’m also proud to call her a friend! If you want the best, choose Denise for all of your real estate loan needs!
What an awesome experience. Denise Panza and her team were just amazing. I was guided every step of the way. Talk about easy. Courteous and professional. It was like they did everything for me… very responsive and just nice to work with. If you’re looking for a mortgage, Total Mortgage is where you want to start first. Thank you again Denise!!
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12250 Tamiami Trail E , Suite 311 , Naples, FL 34113
Branch NMLS: #1994786
Banker NMLS: #16446
