A quick sanity check for homeowners

Should you refinance, or is it just noise?

Rates dropped. Your neighbor refinanced. Your inbox is full of "act now" emails. Before you make a move, run your own numbers with the Refinance Decision Toolkit. Free download. No pushy calls.

Get the free toolkit
Emailed instantly. Yours to keep.
No spam. No surprise sales calls.
Toni Taylor Gozza, Owner and Senior Loan Originator, Interconnect Mortgage Inc.
30+
years helping Florida families make smart mortgage moves
Certified & credentialed
Certified Reverse Mortgage Specialist
NAMB Certified Veterans Lending Specialist
Equal Housing Lender
30+Years of experience
3States licensed: FL, GA, SC
15 minAverage consult length
ZeroCost, zero pressure

Is refinancing worth it right now?

Refinancing is worth it when the new payment, term, and total interest cost line up with your actual goal (lower payment, faster payoff, cash out, drop mortgage insurance). Rate alone is a bad decision-maker. The Refinance Decision Toolkit walks you through a plain-English side-by-side so you can see whether the math actually works for you before you talk to anyone.

what you get

A simple spreadsheet, not a sales pitch

Everything you need to figure out whether refinancing your Florida home actually helps you or just helps someone earn a commission.

1

Side-by-side comparison

Current loan vs. proposed refinance. Payment, term, and total interest. No cherry-picking.

2

Break-even calculator

How many months until the refinance actually pays for itself. If you sell before then, you lost money.

3

Cash-out worksheet

Pulling equity? See what it really costs you in extra interest over the life of the loan.

4

Term-swap scenarios

Same rate, shorter term. See how much interest you save without changing your rate at all.

5

PMI drop check

If your home value climbed, you may be able to drop mortgage insurance without refinancing.

6

Plain-English notes

Every input labeled in normal human words. No banker jargon, no assumed knowledge.

Toni Taylor Gozza
who built this

I built this because I got tired of watching people get sold on the wrong loan.

I have spent 30+ years in mortgage lending. Most refinance decisions are not close calls, they are either a clear yes or a clear no. The problem is nobody hands homeowners the math in a form they can actually read.

So I built the toolkit I wish everyone had. If it turns out refinancing helps you, we can talk. If it does not, you saved yourself a phone call and I saved myself a bad-fit conversation. That is a good trade.

— Toni
Toni Taylor Gozza
Owner & Senior Loan Originator, Interconnect Mortgage Inc.
NMLS #274323 · Company NMLS #1720882
Certified Reverse Mortgage Specialist (CREV)
NAMB Certified Veterans Lending Specialist
Licensed in Florida, Georgia, and South Carolina
good questions

Things people ask before downloading

Is the Refinance Decision Toolkit really free?
Yes. It is a downloadable Excel file. There is no cost, no trial, and no credit check. You give me your name and email so I can send it to you and answer any questions if you have them.
Will you spam me or sell my info?
No. You will get the toolkit, a short welcome email, and a handful of educational follow-ups over the next few weeks. Unsubscribe anytime with one click. Your information is never sold or shared with third parties.
Do I have to talk to a loan officer to use this?
Not at all. You can fill it in yourself with your current loan statement. If you want a second set of eyes, I offer a free 15-minute consult, but there is no obligation.
Does this work for FHA, VA, and jumbo loans?
Yes. The math works the same regardless of loan type. If you have a specialty situation like a DSCR investment loan, bank statement loan, or reverse mortgage, mention it when we talk and I will walk you through the specifics.
Where are you licensed?
Interconnect Mortgage Inc. is licensed in Florida, Georgia, and South Carolina. I am based in Palm Beach Gardens, Florida.
What if the toolkit says refinancing does not help me?
Then you saved yourself the time, closing costs, and hassle of a refinance you did not need. That is the whole point.
ready?

Run your numbers.
Make a confident call.

The toolkit takes about 10 minutes to fill in. You will know whether refinancing helps you before you finish your coffee.

Download the free toolkit
Interconnect Mortgage Inc.
Palm Beach Gardens, Florida · Company NMLS #1720882
Toni Taylor Gozza · NMLS #274323
Licensed in Florida, Georgia, and South Carolina
interconnectmortgage.com
Equal Housing Lender. Interconnect Mortgage Inc. does not discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. This material is not from HUD or FHA and has not been approved by any government agency. All loan approvals are subject to credit review, documentation verification, and lender guidelines. Terms and availability may vary by state. NMLS Consumer Access: nmlsconsumeraccess.org
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