M.Labrada, Wallkill NY-

I had the pleasure of working with Denise Panza on my VA loan. She was very considerate, hardworking, and on top of every step along the process. She kept me informed along the way and worked hard for an expedited closing date.

Leslie Marquez-


Anxiety, delays and high frustration


Speed, Exceptional Customer Experience and RESULTS

I live in San Francisco. On a visit home to my family in NY last April (2013), I looked at properties in Chester as I was in the market for a second home near where my mother, sister and brother lived. I found a condo that was perfect and the price was right. It was a short sale, a path I would never have entertained due to the long lag times, however the seller's agent informed us that the bank wanted to close very quickly (3-4 months) if they received the right offer now.
My offer was presented and prompty accepted -- I was very pleased and confident I would have ownership of the property by end of summer and patiently awaited for the process to kick off with the bank. As it ended up, the process was not at all accelerated and it was not until January 2014 that this property was assigned to a loan officer. At the time I was working on my own with a local San Francisco bank on the loan. That process did not go well - After many delays, poor communication misplaced documents and very poor customer service, I made a decision to switch to another lender.
Not having the energy to start this process again on my own, I worked with my realtor in New York, Donna McGroder, on finding a solution. Without hesitation she highly recommended Denise. At the time I reached out to her, I was actually at the end of my emotional tether. Sensitive to my situation, Denise moved very quickly. She found me a lender, was extremely responsive, got everything rolling in record time and kept me apprised of every step in the process. After nearly a year, I closed in just 22 days once we called in Denise! It was nearly painless.
She's a absolute pro!

Michael J Moody-

Like many other Americans, my wife and I fell victim to the real estate crash of 2008. We had purchased our one bedroom condo in Stamford, CT three years earlier with the intentions of living the city life for awhile, selling our condo for a profit and moving up the line in CT to start a family. I had been dabbling in real estate successfully for years and thought this would be another good investment. Needless to say, the market crashed as did the value of our condo which we purchased at the height of the market. With the birth of our son in 2009 and space in our condo becoming a bigger issue each passing day, my wife and I knew we had to cut our losses. We sold our condo, taking a huge loss in the process. Also lost was our dream of ever owning a home again.

That all changed when I spoke with Denise Panza for the first time. I first spoke with Denise in August of 2012 when my wife and I began house hunting. We had no real intentions as we didnít think itíd be realistic for us to buy again. After speaking with Denise, the doubt was instantly turned into optimism. Even though this first deal did not work out, we had new hope. We knew we had found a star in the home finance game that could help make our dream come true. Denise was incredibly enthusiastic and positive. She had fantastic connections and was able to pre approve us and lock us in at an astonishingly low interest rate.

Fast forward to January 2013. My wife and I had found our dream home and had come to an agreement with the seller for a purchase. Denise sprang into action. In the blink of an eye, we were pre approved and locked in at an amazing 3.25% interest rate. She kept constant communication with me to insure all necessary forms and information was exchanged to obtain the loan. However, the moment I knew Denise was a top player in the game was when she emailed me while she was on vacation in Turks and Caicos. Even while in paradise, Denise was still working hard to ensure everything my wife and I needed was being taken care of. That is TRUE DEDICATION. That is someone going ABOVE AND BEYOND their call of duty. Denise Panza is the person YOU WANT working for you.

We close on our home February 25th, a mere 34 days after our offer was accepted. Buying a home is stressful enough. Do yourself a favor and have Denise Panza on your side. She will turn stressful into wonderful. THANK YOU DENISE!!!!

Jason Hummel -
     This letter is in reference to Denise Panza of Hamilton Ladd . I first met Denise about a year ago, who came very highly recommended from my Connecticut real estate attorney. I was working with several different mortgage brokers at the time, but figured I would give her an opportunity. After our initial discussion, I came away extremely impressed with her knowledge, but even more impressed with the passion and professionalism that she displayed. As the transaction moved forward, I knew Denise was a person I could work with for a long time. Mrs. Panza has an immense knowledge of the industry and how it all works, allowing her to work with the prototypical home buyer, as well as various seasoned investors who are looking to do creative financing. I think the most significant and admirable aspect of Mrs. Panza is how personable she is, which is an extremely rare characteristic in this business. I am currently working on several new deals with her and foresee doing many more in the near future. I have strongly recommended Denise to several of my friends and family thus far, and will continue to do so to anyone who is inquiring about an extraordinary mortgage broker.


Paul Supple (click to read)


Gina Lacey -
     Denise helped me secure my first mortgage. She was patient, thorough, and deadline oriented. Denise worked so hard to get all the paperwork in on time, and to the right people. When others were letting things fall through the cracks, Denise persevered and got the job done! I would highly recommend Denise Panza for your home mortgage needs, and I would use her again in the future.


Brian Brown -
     Denise of Hamilton Ladd came through for me and my family during one of the most stressful and trying time of our lives. We came to her within days of the scheduled closing on our dream home, because the mortgage we had obtained through another broker fell through at the last minute. My wife and I had great credit etc. but we were causalities of the economic crisis. Everyone else (brokers and banks) told us that the global credit crisis was an obstacle that simply could not be overcome and it seemed that we were going to just have to accept losing out on our dream home, not to mention our down-payment. Once we came to Denise however, all that changed as she assured us that she could get us the mortgage we needed at a competitive rate and then took us step by step through the process right up to the closing. As I told her the day after we closed on our new beautiful home where our children will grow up: "It literally would not have happened without her". I would never use anyone else ever again for my mortgage needs.


Savino Di Lernia -
     It is with great pleasure that I write to recommend the services of Denise Panza, Senior Loan Consultant extraordinaire. She is a true professional; actually she’s a miracle worker! This short sale was tough, but she made the process as easy and painless as possible. Her advice and guidance through this process was invaluable. Denise’s attention to detail, knowledge and professionalism were greatly appreciated. This is my third deal with Denise. I can’t imagine going through this process with anyone but her. I have, and will continue to refer Denise Panza and HamiltonLadd Home Loans. Denise Panza is simply the best!


Polly and Steve Stott -
     What a star you have been! Thank you so much for all your help in getting us our mortgage so that we could buy our first home in the US. We are so excited and couldn’t have done it without you!


Danielle Johnson -
     I wanted to take a brief moment to thank you for a wonderful job done in helping my family get to an amazing mortgage rate and lower our monthly payments…by $300!!! In these economic times, believe me when I say every dime counts – and this was obviously more than a few dimes. Your service was unbelievable – it was never stressful. You outlined what I needed for the rate approval AND the closing clearly and in a timely fashion. These things are often stressful, chaotic, etc. but not with you. Thank you for making it more of a pleasant experience, with the end result being a financial savings that can truly help my family at this time. I will be happy to recommend you to ANYONE! Thanks again for an amazing job done!


Amanda Riedinger -
     Denise offers a broad range of home mortgage and commercial loan services. She has been in business over 15 years and specializes in finding the best mortgage rates and overall mortgage financing solutions for your needs. She is amazing! Call or Email her for all your financial needs.


Denise Kurz -
     Denise is a true pro. She is compassionate and creative, If you have a credit problem she will help you solve it. She knows how to be creative in finding loans and tailoring them to the clients needs.


Lorraine Amaral -
     Denise has written mortgages for many of my very satisfied clients. She is always reliable and gets the best rates around. She has worked with buyers of mine through my high recommendations who have purchased the perfect home with her help!! Thanks again Denise!


Jeanne Kelly -
     I have never seen someone work so hard on behalf of her clients. Denise knows what she is talking about and always looks out for what is best for her client. She closed a loan for a buyer of one of my properties in less than 3 weeks. If anyone can get the loan closed, Denise is the one.


Keith Hathaway -
     Denise Panza is a consummate professional in the mortgage industry. She not only guides her client into real estate transactions with the greatest of ease at the most reasonable cost but she does so while educating her clients so they can fully appreciate each transaction. With her wealth of knowledge and years of experience with the plethora of mortgage products that are available in today’s market, clients can be thankful that they have her to refer their friends and family to when they are in need of a mortgage.


Keryl Pesce -
      I wanted to take a moment to tell you how grateful I am to have met you. I have never known someone who is so knowledgeable at what they do and who goes to bat for her clients like you. If there is any possible way to get a home buyer the money they need to become the proud owner of their new home, that person is you. I have had the unique opportunity to see you in action in my capacity as a home buyer, as a home seller, as a real estate agent and an investor looking to refinance. There are many variables involved in buying and selling real estate. There’s enough that can go wrong to cause someone to lose out on the house of their dreams, prevent an agent from receiving their well-deserved commission or an investor ending up with his or her hands tied because they can’t access their equity. Having you on the team gives all of us the best chance of getting what we want. Kudos on your skill and work ethic Denise. You set an example for the rest of us. Thank you.


Julianna Greggos -
     Thank you so much for getting me such a great mortgage and helping me buy my first house. I was so clueless and you were so patient and knowledgeable. I am so lucky Ken told me about you. You helped me get the house of my dreams and a loan I can afford! You helped me so much, I cannot thank you enough!


Shaun Hilmar -
     Just wanted to thank you again for all your effort and hard work getting this deal done. You really went above and beyond our expectations in every way. Tony, Jim, and Laura really worked hard on this, but Kathy and I have no illusions, and we both know that there was one reason we ultimately closed tonight and that was because of you. So again, thank you so much. Rest assured that I will be telling everyone that will listen how great a job you did and recommending you with the highest of praise. You deserve at least that much. Thank you again, and it was a pleasure meeting you in person!


Sandra Ruscoe -
     Denise was an absolute pleasure to work with. Denise is friendly and followed through with call throughout the process. Denise was always up lifting, I felt her smile through the phone or in her text. Buying a home can be very stressful, Denise eased that stress tremendously. Denise did all the work for me. I felt Denise was very knowledgeable and delivered what I was told from day one. I would not hesitate to call Denise again if needed!


Louise D’Onofrio -
     Hello Denise, I just wanted to drop a note to thank you for all your help and guidance with my mortgage. I could not have asked for a smoother transaction. You are the best!


Felicia and Michael Saraceno -
     We have worked with Denise for over five years and have found her ability to make us feel like we are her only clients is outstanding. She consistently provides prompt courteous service and above all has a "round-the-clock" type work ethic. During the home buying process she makes you feel as if you can always ask any question any time and get an accurate and quick response. We have recommended her mortgage services to many friends and family and they too have given us positive feedback from their experience. We look forward to a long working relationship with such a wonderful professional.


Danielle Sandella -
     I just wanted to say THANK YOU for all your help in getting us through to a successful closing. Everything went really smooth, and after about a million signatures, we closed and even moved in.. All in one day! By the time we got passed on to you, we had been through a very strange turn of events with mortgage people, and needless to say, I was a bit disheartened when we got dropped out of yet another mortgage program that no longer existed, and passed along to a 5th person to get another approval. But wow am I glad we did! I will absolutely refer anyone who’s in the market to you, and our realtor was equally as impressed, and said she will do the same. So anyway, just wanted to say thank you so much and hopefully we will be talking to you in a few years when we sell this house to buy our dream home!


Virginia & Mart Coffey -
     Denise, I just want to thank you so much for all your help with getting this closing together for me. God bless you and all that you do for disabled American Veterans.


Michael Extrance -
     Good morning Denise,
As you know, I am the proud new owner of my first house as of 2:30 yesterday and it would have not been possible without your help. It is down right amazing how fast you got everything done for me and how persistent you were on getting me my loan. Everyone should have someone like you in their corner and I am grateful that you were available to help me out on such short notice. A thousand thank you’s to you and everyone at Hamilton Ladd for all of your diligence and hard work.


Mafalda Melissa Salvi -
     Ms. Denise Panza has worked on two mortgages for me during these very tough economic times. In early 2009, right after the market crash Denise was able to secure a lender and finish all documentation for the loan at a time when most banks were just frozen. This year, again, she was able to help me refi a property in a very intricate situation, that no one else had been able to manage. After calling many lenders I was not able to get someone to help me refi. However, Denise came through again. She has really been able to do what seemed impossible.