Common Questions About AAA Capital Funding
AAA Capital Funding, Inc. is a licensed Florida mortgage broker headquartered in Fort Lauderdale and in business since 1997. We arrange FHA, VA, Conventional, renovation and investor loans statewide by pricing each loan with multiple wholesale lenders, and we broker Florida Hometown Heroes loans for first-time buyers. Get started today.
- Florida broker since 1997
- NMLS #374739
- BBB A+
- 4.9 stars on Google
- Calls answered 24/7
About the company
Is AAA Capital Funding a mortgage lender or a mortgage broker?
A mortgage broker, licensed in Florida. We don't lend our own money. We take your application, price it with a panel of wholesale lenders, and place it with the lender whose terms fit your file best. You get wholesale pricing, and you get someone on your side of the table when an underwriter pushes back.
Who owns AAA Capital Funding?
Jason J. Sarji, President and owner (NMLS #374700). He has originated Florida mortgages since 1997 and specializes in files that need a manual underwrite, a second look after a denial, or a structure a bank won't bother with. You deal with him directly from the first call to the closing table. Read more about the company.
How do I verify your license?
Search company NMLS #374739 or Jason's NMLS #374700 on NMLS Consumer Access. It shows license status, license history and any regulatory actions. Our Florida Mortgage Broker License is MBR623 and Florida Mortgage Loan Officer License is LO5710. It takes a minute to verify, and you should do it with any company or loan officer before you hand over your Social Security number.
Where are you located, and do you work outside South Florida?
Our office is at 3000 N Federal Hwy, Suite 7, Fort Lauderdale, FL 33306. We lend in every Florida county. The application, documents and disclosures are handled by phone and online, so it makes no difference whether you're buying in Broward or the Panhandle. See the Florida service areas.
What do your reviews say, and where can I read them?
We're rated 4.9 stars on Google and A+ with the Better Business Bureau. Read them in full on our Google Business Profile, our BBB profile, or on our reviews page.
Getting approved
I was turned down by a bank or another lender. Can you still help?
Often, yes. Roughly 75 to 80 percent of our clients come to us after being turned down somewhere else. A denial from one lender is a denial under that lender's rules, not the program's. Many banks stack their own overlays on top of FHA and Fannie Mae guidelines: higher score minimums, lower debt-to-income caps, no manual underwriting. We find out exactly why you were declined and match the file to a lender that doesn't carry that overlay.
What's the lowest credit score you can work with?
For FHA, 580 is the minimum for the 3.5% down payment and 100% financing programs. We can lend below 580, but that requires a 10% down payment. The VA 100% financing doesn't set a minimum score, but we can go down to 500 if needed. Conventional loans generally start at 620, and Florida Hometown Heroes requires 640. If you're under 580, don't give up. We can still help you. More detail on the FHA credit score rules.
What debt-to-income ratio can I qualify with?
Conventional loans approved through our Fannie Mae automated underwriting allows us to go up to 50%. FHA will allow us to go to 57% with our automated approvals. A manually underwritten FHA loan (when an automated approval is bypassed) allows us to go up to 50%. We run your numbers before anything is submitted, so you know where you stand before an underwriter does.
I'm self-employed. Can I qualify?
Yes. With two years of tax returns for FHA and VA and only one year tax return is needed for our Conventional (Fannie-Mae and Freddie-Mac) programs. If your write-offs make your returns show less than you actually earn (which is very common), a bank statement loan qualifies you on 12 or 24 months of deposits instead. Independent contractors can also qualify on 1099s alone.
How much do I need for a down payment?
FHA requires 3.5% with a 580 score for the standard program. We also have extended FHA 100% financing options. VA loans need nothing down for eligible veterans and service members. Conventional loans start at 3% for first-time buyers. The seller can pay up to 6% toward your costs on an FHA loan, and Florida's Hometown Heroes program can cover the down payment itself. Some FHA buyers close with nothing out of pocket by pairing the first mortgage with an assistance second. See how much money you need to buy in Florida.
Rates and closing costs
How do your rates compare with a big bank's?
Our interest rates have proven to be consistently lower than the national average. We don't post teaser rates. We'll show you your available options side by side, so you can see which program works best for your situation. Current pricing is on our rates page.
Do you charge points or lender fees?
We structure your loan with zero points and zero lender fees. Your Loan Estimate lists every fee before you commit to anything. Third-party costs such as the appraisal, title insurance, recording and Florida's taxes on the mortgage still apply.
How much are closing costs?
Usually 2% to 3% of the loan amount. Florida charges two taxes on a mortgage that most states don't: documentary stamp tax on the note (35 cents per $100 borrowed) and intangible tax on the mortgage (0.2% of the loan). On a $300,000 loan, those two alone add up to $1,650. Seller concessions, a lender credit or assistance programs can cover much of the rest. Read the FHA out-of-pocket breakdown.
Programs
What loan programs do you offer?
FHA, VA, Conventional, FHA 203(k) and Fannie Mae HomeStyle renovation loans, DSCR loans for investors, bank statement loans and jumbo loans, for purchases and refinances. First-time buyers can also use Florida Hometown Heroes and other Florida Housing bond programs.
Do you offer the Florida Hometown Heroes program?
Yes. For 2026, Hometown Heroes lends up to 5% of your first mortgage amount toward the down payment and closing costs, with a $10,000 minimum and a $35,000 maximum. It's a 0% second mortgage with no monthly payment, and it isn't forgiven. You repay it in full when you sell, refinance, pay off the first mortgage, sign over the deed or move out. You need a 640 score, income and a loan amount under your county's limits, and a full-time job with an eligible Florida-based employer at a physical Florida location, unless you're a service member. First-time buyer rules apply, but veterans are exempt. Full details on our Hometown Heroes page.
What is the Homebuyers Outreach Program?
It's our own incentive for Florida buyers. Eligible families receive additional cash back at closing to help offset their costs. Eligibility depends on the purchase and the loan, so call and we'll tell you whether yours qualifies. Details on the Homebuyers Outreach Program page.
Working with us
How do I get started?
Call
When can I reach you?
Any time. We take calls and texts seven days a week, evenings included, because that's when most people finally have time to talk about buying a home.
Will I be handed off to a processing department?
No. One Loan Officer handles your file from the first call to closing. You won't be passed between departments or have to explain your situation again to someone new every week.
AAA Capital Funding, Inc. · NMLS #374739 · Jason J. Sarji, President · NMLS #3747003000 N Federal Hwy, Suite 7, Fort Lauderdale, FL 33306 · 888-601-8344 · 954-390-7994
Now you know who picks up the phone.
If that sounds like what you've been looking for, call 888-601-8344 or text 954-816-8820. One point of contact from the first call to the closing table. No handoffs, nobody new to bring up to speed every week. Under ten minutes to start.
AAA Capital Funding, Inc. · NMLS #374739 · Jason J. Sarji, NMLS #374700