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Toni Taylor
4articles tagged #Toni Taylor · All articles
Self-Employed & Non-QMNo 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.
·9 min read
Credit & Affordability TipsCan You Buy a Home With a Reverse Mortgage? HECM for Purchase Explained
Most buyers over 62 have no idea this exists: HECM for Purchase, the FHA-insured reverse mortgage you can use to buy a home in Florida with no required monthly mortgage payment.
·7 min read
Self-Employed & Non-QM1099 Contractor Mortgage: The Loan Programs That Actually Work
Told you don't qualify because you're 1099? That's the wrong lender talking. Toni breaks down the 1099-only, bank statement, and asset depletion programs built for contractors in Florida, Georgia, and South Carolina.
·9 min read
First Time Home BuyersHow Much Home Can I Afford? Free Florida Affordability Calculator
Stop guessing what you can afford. Toni Taylor Gozza breaks down the free Florida affordability calculator — real DTI math, real Florida costs, and your true buying power before you start shopping.
·8 min read