Create a MyMortgage account to get started
VP, Mortgage Banker | Vero Beach, FL
Every day, Denise Panza wakes up with the following goals: to operate with integrity, devote herself to her family, friends, and clients, and operate with equality for all in need of her services.
Denise is honored to hold the title of “mom” to her amazing children and Senior Mortgage Banker at Total Mortgage. To add to that, she’s been referred to others across the country, is licensed in numerous states, and is honored to be working in her field for over 27 years!
She delights in her son’s incredible work as a designer, part-time model, and full-time skateboarder and her daughter’s outstanding talents and compassion for others. She’ll be starting college in Florida in the fall to study psychology.
Denise is a graduate of Northeastern University, where she majored in education and now utilizes her teaching skills to inform homebuyers about the financing process! As a true professional in her field, Denise continues to be highly referred by her clients.
At Total Mortgage, we work hard to make it easy. Since 1997, we've combined the personal service and accountability of a local lender with the low rates and product selection of one of the big guys. No matter the loan, we’re with our borrowers every step of the way, from application to closing. It’s no wonder we are a five-star rated lender on Zillow.
Client Testimonials
Denise went above and beyond to help my family into our dream home! She was always there every step of the way, even when we didn’t How to start or what to do. She is an absolute pleasure to work with, and we now consider her part of our “family”. I always thought as a single mom, I would never reach this dream. Thank you, Denise!!!
Denise has done it again. She is an excellent loan officer and mortgage consultant. We were referred to Denise by a friend in 2001. We used her services at least 6 times. She is simply the best!
First time homebuyer and Denise made it the easiest process ever! Was super proactive throughout each step of the way. Answered every and all questions I had. Highly recommend to anyone in the process of buying a house!!
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!!
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 so 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!
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!
Excellent communication about what needed to be completed to make the next step in securing a home loan. Will be recommending Denise to any family or friends purchasing a home in the future.
Denise is the best! If you want to close on your home fast then she is your girl! This was my first time buying a home and throughout the entire process Denise was extremely helpful and patient while I was getting my things together. I cannot recommend any one better. If it was not for Denise I am not confident I would be in my house today! Thank you again for all of your help and support throughout this entire process!
Denise is truly a magical person. She made this process absolutely seamless. Every detail was taken care of and every single step of the process was easy and straightforward. Our real estate team was blown away by how fast and thorough Denise was! We got our dream home and cannot thank Denise and her team enough for all of their hard work to make this a possibility! I cannot recommend her enough!!!
Greenlight your loan, and close in 21 days.*
Learn more
*Terms and conditions apply. For complete details click here
start your mortgage process today
Apply Now
2907 Ocean Drive, - Vero Beach, FL 32963
Branch NMLS: #1994786
Banker NMLS: #16446
