Real local experts and a clear path to your mortgage.
Purchasing, refinancing, investing, or told "no" by a bank before? Our Palm Beach Gardens team shops multiple lenders to find the loan that actually fits — and because we know the Non-QM space inside and out, we find a path when other lenders can't. No jargon. No runaround. Just results.
Choose your path
Not sure where to start? Pick the situation that fits best.
From Palm Beach Gardens to Jupiter, the Interconnect Mortgage team walks first-time buyers from “where do we even start?” to keys in hand — plain English, every option on the table, zero pressure.
Toni Taylor Gozza spent years on the underwriting side of the desk with actual signing authority. Today her Palm Beach Gardens team builds conventional loans the way approvers want to read them.
Credit still healing? Savings still growing? Interconnect Mortgage has been finding FHA paths to yes for Florida buyers since Toni started in this business in 1990.
Take the quick quiz. No application, no credit pull. We point you to the best next step.
How we work
With a big bank you get passed around, put on hold, and treated like a file number — and if your situation isn't perfectly cookie-cutter, you get a fast "no." That's not how we do things here. When you call Interconnect Mortgage, a real local expert picks up, learns your name and your goals, and stays with you from the first conversation all the way to closing.
We're not a call center and we don't sell rate. We're advisors and educators. We shop multiple lenders to find competitive financing for your situation, and because of our deep background in the Non-QM space, we know how to find a path for borrowers the banks turned away. We read the guidelines, we know the rules, and we know how to navigate them — which means fewer surprises for you and a much smoother closing.
A quick, no-cost call to understand your goals and your situation. We'll tell you honestly whether there's a path — even if the last lender said no.
We shop multiple lenders and lay out your numbers in plain English: payment, cash to close, and the programs that actually fit — so you can decide for yourself.
Our seasoned team drives the file and keeps you and your realtor updated the whole way. We spot problems early and solve them fast, so the deal stays easy for everyone.
Meet the team
A seasoned team that takes your call to the finish line
Led by Toni Taylor Gozza, our team has decades in every corner of the mortgage business — with processors averaging 30+ years of experience. When you work with Interconnect Mortgage, you get a real local expert who knows your market and a whole team behind your file, so nothing falls through the cracks.
Toni Taylor Gozza
In the business since 1990 and a former wholesale underwriting authority — the expert other lenders send their toughest files to. Non-QM, asset depletion, and self-employed specialist.
Yitzi Brusowankin
Helping buyers, homeowners, and investors across Florida find financing that fits — with straight answers and no runaround.
Bill Hills
Guides clients through purchases, refinances, and investment financing with a seasoned, no-pressure approach and clear numbers.
Craig Fossett
Works with buyers and real estate investors across FL, GA, and SC, focused on fast communication and creative financing paths.
What we offer
We work with a wide range of loan programs so we can match the right product to your situation.
From Palm Beach Gardens to Jupiter, the Interconnect Mortgage team walks first-time buyers from “where do we even start?” to keys in hand — plain English, every option on the table, zero pressure.
Toni Taylor Gozza spent years on the underwriting side of the desk with actual signing authority. Today her Palm Beach Gardens team builds conventional loans the way approvers want to read them.
Credit still healing? Savings still growing? Interconnect Mortgage has been finding FHA paths to yes for Florida buyers since Toni started in this business in 1990.
Interconnect Mortgage helps veterans, active-duty members, and military families across Palm Beach County put the VA home loan benefit to work — no down payment, no monthly mortgage insurance, no runaround.
From Loxahatchee acreage to growing communities on Palm Beach County's western edge, USDA financing can put eligible buyers into a home with no down payment at all.
When the contract price clears the conforming limit, you want a lender who knows exactly what private investors need to see. Toni Taylor Gozza ran a wholesale mortgage company — she knows.
Can't find a move-in-ready home in Palm Beach County? Our team at Interconnect Mortgage helps you finance the purchase and the remodel together, based on what the home will be worth once the work is done.
Non-QM loans for Palm Beach County borrowers who don't fit the standard box — self-employed, complex income, recent credit events, investors, and one-of-a-kind situations.
Bank-statement and 1099 loans qualify Palm Beach County business owners on real cash flow — placed by a team that's worked the wholesale side and knows exactly what gets these files approved.
Asset-depletion loans let Palm Beach County buyers qualify on their savings, investments, and retirement accounts instead of a paycheck.
Legitimate alternative-documentation purchase programs for Palm Beach County buyers whose income doesn't fit a standard application.
Non-warrantable condo financing for Palm Beach County's condo-heavy coast — because a building's paperwork problem shouldn't cost you the home you've already picked out.
Palm Beach County investors scale faster when the property's income does the talking — no tax returns, LLC-friendly closings, and programs that respect short-term rental income.
Whether you're a builder constructing a home to sell or a buyer purchasing a newly built spec home, our team at Interconnect Mortgage helps you navigate the financing across Palm Beach County.
Payment relief, cash from your equity, an exit from FHA mortgage insurance — Toni's Palm Beach Gardens team runs your real numbers and tells you the truth, including when the truth is “wait.”
Home equity loans and HELOCs put years of South Florida appreciation to work while the mortgage you already have, and the terms you locked in, stay exactly as they are.
For homeowners typically age 62 and older, a reverse mortgage can turn home equity into funds you can use. Our team at Interconnect Mortgage believes in education first — so you can decide what's right for you.
A temporary buydown steps your payment in gradually over the first two years — and in the right Palm Beach County negotiation, the seller or builder funds the whole thing.
Where we lend
Based in Palm Beach Gardens. Licensed in Florida, Georgia & South Carolina.
Palm Beach County is home — the market we know street by street and tax rate by tax rate. But you don't have to be down the road to work with us: we can originate your mortgage anywhere in all three states, and the whole process runs by phone, email, and secure online tools.
A mortgage is licensed by the state the property is in — not by how close you are to our office. Wherever you're buying in FL, GA, or SC, we can help.
See everywhere we serveTools and resources
Run the numbers yourself, or use these tools to get a head start before we talk.
Estimate your monthly mortgage payment with taxes and insurance.
See how much house you can afford based on your income and debts.
Calculate your savings and break-even timeline.
Compare the long-term costs of renting versus owning.