The programs we offer, with straight answers for buyers in Palm Beach County.
Not sure which loan fits? Most buyers start with a first-time home buyer, FHA, or conventional loan, then run the numbers with the affordability calculator and see which Palm Beach County community fits your budget.
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.
Compare scenarios with our mortgage calculators, or see local programs and loan limits for your Palm Beach County town.