Non-Conventional - AAA Capital Funding

Non-Conventional Mortgages

Government backed loans by FHA and VA

Non-Conventional Home Loans: FHA & VA Mortgage Options

At AAA Capital Funding, we’re here to help you purchase your dream home by offering a full suite of mortgage solutions tailored to your financial goals. This section is dedicated to explaining non-conventional mortgage loans, a category that includes both FHA and VA loan programs—two popular options backed by departments of the U.S. Federal Government.

This page is a combination explanation of FHA and VA loan products.

What Is a Non-Conventional Loan?

A non-conventional loan refers to any home loan that is guaranteed or insured by a government agency. Unlike conventional loans that are not federally backed, non-conventional mortgages offer flexible eligibility guidelines, low down payment options, and other benefits—making homeownership more accessible to a wider range of borrowers.

The two most common types of non-conventional loans are:

FHA Loans (Federal Housing Administration)
VA Loans (U.S. Department of Veterans Affairs)

FHA Loans – Affordable Home Financing with a Low Down Payment

An FHA loan, insured by the Federal Housing Administration, is one of the most popular loan options for first-time homebuyers and those with less-than-perfect credit. You can buy a home with as little as 3.5% down, and FHA loans feature flexible qualification standards.

It’s important to note that mortgage insurance is required on all FHA loans, regardless of your down payment amount. Even if you put more than 20% down, mortgage insurance remains in place unless you refinance into a conventional loan.

VA Loans – Exclusive Benefits for U.S. Military Veterans

VA loans, backed by the U.S. Department of Veterans Affairs, offer unmatched benefits to qualified veterans, active-duty service members, and certain military spouses. With 100% financing available, borrowers can purchase a home with no down payment and no monthly mortgage insurance—a benefit not found in other loan programs.

VA loans are not available to everyone; this program is exclusively for eligible veterans and military members who have served our country.

Key Benefits of FHA and VA Non-Conventional Loans

VA loans: Up to 100% financing (no down payment required)
FHA loans: Up to 96.5% financing (as little as 3.5% down)
Low, fixed interest rates
VA loans have no monthly mortgage insurance
More flexible credit and income guidelines
Loans are assumable (may be transferred to a qualified buyer)

Non-Conventional Loan Requirements

Minimum Credit Scores:

FHA loan: Minimum credit score of 580
VA loan: Minimum credit score of 550

We evaluate your credit score using the three major bureaus: Equifax, Experian, and TransUnion. Among the three scores, we use the middle score (not the highest or lowest) for determining loan eligibility and pricing.

Eligible Property Types

Both FHA and VA loans can be used to purchase:

Single-family homes
Townhomes and villas
Multi-unit homes: duplex (2 units), triplex (3 units), quadplex (4 units)
Condominiums (must be FHA- or VA-approved)

If purchasing a multi-unit property, you may live in one unit and use the projected rental income from the other units to help you qualify for the loan.

Income and Asset Verification

To ensure loan approval, we’ll verify your income and assets based on your employment status:

Wage earners (W-2 employees): Provide the past two years of W-2 forms and a recent pay stub.
Self-employed individuals: Submit your most recent two years of personal and business tax returns.
Retired borrowers: Share documentation of Social Security, pension, or other retirement income.

We will also request bank statements to verify the funds needed for closing. Gift funds are allowed, as long as they come from a verifiable source. (Cash or untraceable funds are not permitted.)

Let AAA Capital Funding Guide You

Whether you’re exploring FHA financing with a low down payment or you’re a veteran eligible for a VA loan with zero down, AAA Capital Funding will walk you through the process and help you choose the best non-conventional loan option for your needs. Our experienced mortgage professionals are committed to helping you achieve homeownership with the best possible terms.

VA up to 100% financing
FHA up to 96.5% financing
Low, fixed interest rates
VA has no monthly mortgage insurance
Easier guidelines
Assumable loan

Non-Conventional Quick Facts

Minimum Score – VA	550
Minimum Score – FHA	580
Minimum Down Payment – VA	0%
Minimum Down Payment – FHA	3.5%
Pre-Payment Penalty	No
Closing Cost Assistance	Yes

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Want to feel confident about buying a home? Our upcoming homebuyer workshops cover everything you need to know — from getting pre-approved to closing day. We walk you through each step of the process so you know what to expect and how to prepare.

An informed buyer is a powerful buyer — and that knowledge can help you secure better rates, better programs, and a smoother experience overall.

What our clients say about their experience.

Don’t take our word for it. Read what our customers have to say about AAA Capital Funding

AAA Capital Funding, Inc.

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Lyn Lagora

19:20 01 Mar 25

What can I say!!!We had a very good experienced with Mr.Jason and whole team.They made it possible! to get us our house.They worked really hard and they expedited the process to get our house that we call it home now.Jason and the rest of the AAA CAPITAL FUNDING team is the greatest example to make things happened.Getting our home is almost impossible but they lifted up our burden and they assured us, that we can get our house and we did it!!!We are very grateful to Jason and the AAA CAPITAL FUNDING to made it possible.With all their efforts and hard work we are enjoying our house now.Godless to all of them!!!and the next time we are planning to buy another house we are definitely consider them again.AAA CAPITAL FUNDING IS THE BEST COMPANY YOU CAN TRUST!!!

Guerline Beldor

13:20 28 Jan 25

Jason is simply the best. I was able to find a house and close within few months. My overall process was stress-free and super fast. He is easy to talk to great communicator and i am so happy to have met him.

Joel Jean Baptiste

20:11 19 Dec 24

I really don't have no words to explain my happiness, but let me add that thanks to AAA Capital Funding and thanks also to Jason who's doing wonderful job.

Marie Jean Baptiste

14:43 19 Dec 24

Junia Emilcar

16:38 25 Nov 24

Thank you so much Jason for your patience and all Your help it is truly appreciated .

Dylan Myers

19:58 07 Nov 24

What an amazing experience! Jason knowledge and expertise made the home buying process so simple. From finding me the best rates around to taking all my calls about every “what if”, Jason was amazing. If I am ever buying another property AAA Capital will definitely be my first call!

Geldine Dorsainvil

21:29 03 Sep 24

I highly recommend AAA Capital Funding to anyone looking to purchase a home. If you're searching for a mortgage lender, you’ve come to the right place! Jason Sarji is the person you need to talk to. He made the process seamless and stress-free for me as a first-time homebuyer. Jason kept me informed every step of the way and was always ready to answer any questions I had—no question was too small. Within a month, he helped my husband and me get approved for a home loan and close on our very first home. His expertise and efficiency were outstanding.Thank you so much, Jason, for making our dream home a reality!

Ana Alvarez

17:47 02 Jul 24

A huge THANK YOU to Jason Sarji, from AAA Capital Funding Inc. in getting a mortgage for my new home. He was fast and on top of absolutely everything. He was super professional, understanding, and reachable at all times. His prompt support to answer every question I had throughout my journey to get the loan made things much easier for me as a new home buyer, which I greatly appreciated!Great experience, never gave up.I recommend Jason to everyone looking for their dream home!

Vilma V Ochoa

16:34 09 May 24

My Family thanks this wonderful work team. They have made our dreams come true. Excellent professional service, unique and personalized treatment. I recommend them 100%.

Kyle Schott

00:01 11 Apr 24

Jason assisted me with my FIRST time purchasing a new home. I could not be happier with the service I was provided, he was there with me every step of the way. I appreciate him and will recommend him to anyone I know that may need a mortgage lender.

Mariam Mirabal

13:34 09 Apr 24

We can’t thank your entire team enough for all of your hard work on getting our loan taken care of and early for that matter. Thanks Jason, for always being available to talk to me and reassure me. This is a culmination of everything we’ve worked for in our lives that is leading us to this moment. It’s the start of my “grown-up” life :)! And you all made it possible. Again, thank you so much from the bottom of our hearts and for making our biggest dream yet, come true!”

Denise Wallen

19:43 21 Jan 24

Jason and his wonderful team got us approved for our first home. We originally started with another broker but we felt it was best to rethink the home buying process based off of approval amounts. But our amazing realtor said not to give up and introduce us to Jason and his team. And the results were amazing from his involvement from the first contact and even after has been above and beyond. Thank you Jason and AAA Capital Funding.

Jessie Rae

19:19 03 Nov 23

Jason Sarji at AAA capital funding was so amazing to work with. Within a month he got my wife and I approved for a home loan and closed on our very first home. He was very knowledgeable and quick to answer any random questions and was always available to talk. We highly recommend using AAA capital funding to anyone who’s looking to purchase a home. Thank you guys so much ❤️❤️❤️

Ann

17:14 25 Oct 23

First time homebuyer here and I’m grateful that my experience was painless and successful. Jason Sarji kept me in the loop every step of the way and didn’t mind answering the million questions I had. The process was super quick. I found my home the first week of May and closed on June 1st. Less than a month. The home buying process can be scary and nerve wrecking and I can attest working with Jason made it a breeze… Best wishes you all and your new homes!!!

Jeanne Belizaire

01:16 26 Sep 23

Thank for being very cooperative. because of AAA capital findings I am a homeowner. It was my very first experience and was skeptical at first 🤨 but then at the end I realized it was a great experience. I learned a lot in such a short time, Jason is very easy to work with, he’s customer service is a top tier. Looking forward to work with you again in the future. Thank you so much 😊

Nene Thomas

03:42 10 Aug 23

Jasonnnnnnnn! Is The BEST . He communicated with my spouse and I the entire time. Very professional, great communication, worked very fast I closed in about 2 months or less the BEST lender ever! You will NOT be disappointed. Believe every GREAT comment , he is truly AMAZING!

Lustaina Hilaire

01:52 04 Aug 23

My Word can Never be Enough to thank You Our journey toward buying our home wasn’t easy, but we got through it with great success because we had you by our side. Thank you for your hard work, patience, and diligence along the wayJason Thank you so much for all of your help! Thank you for going the extra mile for us on every step of our New HomeThank you for all of the hard work you’ve done( I’m in tears now just thinking how long we have come) We are endlessly grateful to have you as our agent and couldn’t be happier with the way everything worked out.We appreciated your patience and expertise. Your insight was extremely valuable to us and I don’t think we could have done this without you. we are so thankful and Grateful for your assistance, patience and expertise.Everytime we feel giving up He will always said Today Not the Day to Give upWe greatly appreciate your dedication It’s been fantastic Working withYou Are The best Jason I thank you from the Bottom of my HeartIf you have friends or family who need help buying a home in the future I highly recommend cause This guy is a Genius

yiolta joseph

20:51 08 Jun 23

It's a miracle, I'm still in shock of how quickly, efficiently, and professional aaa capital funding team were, Jason went above and beyond to help us closed our dream home, Jason is terrific in what he is doing, if you looking for a lender please do yourself a favor, call aaa capital funding,Jason has a solution for you, even when other lender said they can't, no matter what ,Jason will do anything to get you aprove,with no doubt.

Robert McDonald

15:43 09 May 23

WOW!! Amazingly I was able to close on a new home in 3 weeks with Jason as my broker and still can't believe how fast it was done. Throughout the process the team work was excellent from start to finish. Loving my new home and will definitely recommend my friends and family. Thanks much!

Nid

16:38 25 Apr 23

I thank God for Jason and his team. Jason was very professional, respectful, and easy to communicate with. He collaborated with our realtor. He explained the home-buying process to us and was very honest regarding what to expect from the market. He treated my husband and me like family. We closed in March!!! We are so grateful and glad we used AAA Capital Funding, Inc. for our mortgage needs, thank you, Jason, for your expertise and guidance during the whole process.

C M

13:22 09 Oct 22

I was completely new to the home buying process. I tried preapprovals from known-name banks and was met with high rates and/or low loan amounts. I did some research and was advised to go with a local lender. With that, I did more research and landed on AAA Capital. I am very glad I was able to work with AAA Capital as Jason was fantastic and was able to quote my desired loan amount at 5.9%. In comparison to the previous quotes I received, this was acceptable.My overall experience of the home buying process was straightforward and easy. Going into this knowing nothing, I did not know what to expect, but Jason and my realtor guided me and explained things throughout the process. Jason was always responsive and really easy to communicate with, so I was always learning and aware of what is happening in real-time and what to expect next. I was preapproved in early August and found a house I liked in late August. My offer was accepted, and from there Jason was on point with getting things done. I was able to close at the end of September and can now say I am a homeowner! I have read/heard about negative experiences and how stressful buying a home can be, so I am genuinely grateful for how smooth my home buying experience with AAA Capital was. Thank you again Jason and team.

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