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.
What clients say
★★★★★ 5 average from 94 reviews
Brian and his team were amazing to work with. They made the process of buying my first home incredibly smooth and easy. I couldn't recommend them enough!
The whole experience was great from start to finish. Everyone was very professional, helpful and on top of every step. Very grateful for the help and guidance.
Cathy and Team Taylor did it again! Cathy was on top of everything and kept me informed throughout the entire process. Thank you for another smooth purchase process.
I had the honor of working with Cathy and her team on a recent transaction. I was the buyer's real estate agent and Cathy and her team did an outstanding job getting us all to the closing table. Thank you Cathy for being great to work with, I look forward to working with you again.
Interconnect mortgage were great throughout the entire process. Brian and the team were always reassuring, responsive, and easy to work with. As a first-time homebuyer, there were definitely stressful moments, but they always took the time to explain things clearly and made me feel comfortable every step of the way. Really appreciate all the support, patience, and effort they put in to help get everything closed smoothly.
The clarity, the speed, the product that was matched up for my needs was exceptional. I felt like i was their onlky client. Thank you so much for making the process so easy and enjoyable
Great to work with, ahead of closing, quick funding, and positive attitudes, thank you and look forward to many more!
Fast, efficient and professional! Great experience!
I had such a great experience refinancing with this company! The whole team was super patient, professional, and genuinely helpful through every step of the process. They took the time to answer all my questions, kept everything moving smoothly, and made what couldve been stressful feel really easy. You can tell they truly care about their clients and do amazing work. Im so happy with how everything turned out and would absolutely recommend them to anyone looking to refinance!
Cathy went above and beyond for my family to help us get the loan we needed for our new home. She walked us through all the steps and was very communicative, friendly and above all, understanding. Highly recommend working with her!
They were very helpful and reponsive through every step of the process.
Very professional, attentive and very friendly. Looking forward to work together on a future transaction. Keep up the good work.
Brian and his team were amazing to work with. They made the process of buying my first home incredibly smooth and easy. I couldn't recommend them enough!
The whole experience was great from start to finish. Everyone was very professional, helpful and on top of every step. Very grateful for the help and guidance.
Cathy and Team Taylor did it again! Cathy was on top of everything and kept me informed throughout the entire process. Thank you for another smooth purchase process.
I had the honor of working with Cathy and her team on a recent transaction. I was the buyer's real estate agent and Cathy and her team did an outstanding job getting us all to the closing table. Thank you Cathy for being great to work with, I look forward to working with you again.
Interconnect mortgage were great throughout the entire process. Brian and the team were always reassuring, responsive, and easy to work with. As a first-time homebuyer, there were definitely stressful moments, but they always took the time to explain things clearly and made me feel comfortable every step of the way. Really appreciate all the support, patience, and effort they put in to help get everything closed smoothly.
The clarity, the speed, the product that was matched up for my needs was exceptional. I felt like i was their onlky client. Thank you so much for making the process so easy and enjoyable
Great to work with, ahead of closing, quick funding, and positive attitudes, thank you and look forward to many more!
Fast, efficient and professional! Great experience!
I had such a great experience refinancing with this company! The whole team was super patient, professional, and genuinely helpful through every step of the process. They took the time to answer all my questions, kept everything moving smoothly, and made what couldve been stressful feel really easy. You can tell they truly care about their clients and do amazing work. Im so happy with how everything turned out and would absolutely recommend them to anyone looking to refinance!
Cathy went above and beyond for my family to help us get the loan we needed for our new home. She walked us through all the steps and was very communicative, friendly and above all, understanding. Highly recommend working with her!
They were very helpful and reponsive through every step of the process.
Very professional, attentive and very friendly. Looking forward to work together on a future transaction. Keep up the good work.
Brian and his team were amazing to work with. They made the process of buying my first home incredibly smooth and easy. I couldn't recommend them enough!
The whole experience was great from start to finish. Everyone was very professional, helpful and on top of every step. Very grateful for the help and guidance.
Cathy and Team Taylor did it again! Cathy was on top of everything and kept me informed throughout the entire process. Thank you for another smooth purchase process.
I had the honor of working with Cathy and her team on a recent transaction. I was the buyer's real estate agent and Cathy and her team did an outstanding job getting us all to the closing table. Thank you Cathy for being great to work with, I look forward to working with you again.
Interconnect mortgage were great throughout the entire process. Brian and the team were always reassuring, responsive, and easy to work with. As a first-time homebuyer, there were definitely stressful moments, but they always took the time to explain things clearly and made me feel comfortable every step of the way. Really appreciate all the support, patience, and effort they put in to help get everything closed smoothly.
The clarity, the speed, the product that was matched up for my needs was exceptional. I felt like i was their onlky client. Thank you so much for making the process so easy and enjoyable
Great to work with, ahead of closing, quick funding, and positive attitudes, thank you and look forward to many more!
Fast, efficient and professional! Great experience!
I had such a great experience refinancing with this company! The whole team was super patient, professional, and genuinely helpful through every step of the process. They took the time to answer all my questions, kept everything moving smoothly, and made what couldve been stressful feel really easy. You can tell they truly care about their clients and do amazing work. Im so happy with how everything turned out and would absolutely recommend them to anyone looking to refinance!
Cathy went above and beyond for my family to help us get the loan we needed for our new home. She walked us through all the steps and was very communicative, friendly and above all, understanding. Highly recommend working with her!
They were very helpful and reponsive through every step of the process.
Very professional, attentive and very friendly. Looking forward to work together on a future transaction. Keep up the good work.
Brian and his team were amazing to work with. They made the process of buying my first home incredibly smooth and easy. I couldn't recommend them enough!
The whole experience was great from start to finish. Everyone was very professional, helpful and on top of every step. Very grateful for the help and guidance.
Cathy and Team Taylor did it again! Cathy was on top of everything and kept me informed throughout the entire process. Thank you for another smooth purchase process.
I had the honor of working with Cathy and her team on a recent transaction. I was the buyer's real estate agent and Cathy and her team did an outstanding job getting us all to the closing table. Thank you Cathy for being great to work with, I look forward to working with you again.
Interconnect mortgage were great throughout the entire process. Brian and the team were always reassuring, responsive, and easy to work with. As a first-time homebuyer, there were definitely stressful moments, but they always took the time to explain things clearly and made me feel comfortable every step of the way. Really appreciate all the support, patience, and effort they put in to help get everything closed smoothly.
The clarity, the speed, the product that was matched up for my needs was exceptional. I felt like i was their onlky client. Thank you so much for making the process so easy and enjoyable
Great to work with, ahead of closing, quick funding, and positive attitudes, thank you and look forward to many more!
Fast, efficient and professional! Great experience!
I had such a great experience refinancing with this company! The whole team was super patient, professional, and genuinely helpful through every step of the process. They took the time to answer all my questions, kept everything moving smoothly, and made what couldve been stressful feel really easy. You can tell they truly care about their clients and do amazing work. Im so happy with how everything turned out and would absolutely recommend them to anyone looking to refinance!
Cathy went above and beyond for my family to help us get the loan we needed for our new home. She walked us through all the steps and was very communicative, friendly and above all, understanding. Highly recommend working with her!
They were very helpful and reponsive through every step of the process.
Very professional, attentive and very friendly. Looking forward to work together on a future transaction. Keep up the good work.
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.
A No Ratio home loan for Palm Beach County buyers purchasing the home they'll live in — qualified without income or debt-to-income calculations.
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.
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 Florida, 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, we can help.
See everywhere we serveLatest from the blog
Straight answers on buying, refinancing and investing.
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Why "The Market" Is Lying to You Right Now There is no single South Florida market. County by county, condos and houses tell opposite stories. Here is what months of supply means and why waiting carries a quiet cost. -
How to Wipe Out Card Debt Without Refinancing Paying 25% on credit cards but scared to lose your 3% mortgage rate? You can wipe out card debt with a HELOC and never touch your first mortgage. -
How to Remove PMI and FHA Mortgage Insurance in Florida PMI and FHA mortgage insurance both protect your lender — but they cancel completely differently. PMI on a conventional loan drops off automatically at 78% LTV or by written request at 80%. FHA MIP on loans originated after June 2013 with less than 10% down stays for the life of the loan. Building equity alone will not remove it. For most FHA borrowers, the only real exit is refinancing into a conventional loan once they reach about 20% equity. -
Can You Use a Refinance to Pay for Home Renovations? You can use a refinance to pay for home renovations — and done right, the money goes right back into your largest asset. Here's how a cash-out refinance and renovation loans like the FHA 203k and Fannie Mae HomeStyle actually work, plus the honest catch you need to hear first. -
Rate & Term Refinance Explained: The Three Layers of Savings Most People Miss Most people ask one question about a refinance: what's my new payment? That's the least interesting of the three layers. Real numbers on a $485,000 loan — including the strategy that turns $322 a month into $173,576. -
No Doc Mortgage Explained: Qualify Without Income Verification Strong credit and solid liquid assets but no traditional income? Toni Taylor Gozza breaks down the no doc mortgage, also called the no ratio loan — how qualification really works in 2026 and why it is nothing like the pre-2008 stated income loans.
Tools 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.