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toni taylor gozza
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Mortgage EducationHow 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.
·8 min read
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
Rate & Market UpdatesMortgage Broker in Palm Beach Gardens: How to Pick the Right One
Searching for a mortgage broker in Palm Beach Gardens? Toni Taylor Gozza breaks down the difference between a local broker and a big bank, the programs a real broker should offer, and the local market knowledge that actually moves the needle.
·8 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
Self-Employed & Non-QMDSCR Loans in 2026: What Real Estate Investors Need to Know
DSCR loans let Florida investors qualify using the property's rental income instead of tax returns — no W-2s, no income docs, no cap on financed properties. Here's what lenders require in 2026.
·7 min read