Central Florida Mortgage Authority

Deep Florida Expertise Since 1997

Since 1997, AAA Capital Funding, Inc. has arranged home loans across Central Florida, from Orlando to the suburbs of Lake and Seminole and out to Polk and Marion counties. As an independent broker, we shop FHA, VA, Conventional, DSCR and bank-statement loans across multiple wholesale lenders.

Many Central Florida homes sit in newer planned communities, from Lake Nona to Horizon West, and many of those carry CDD fees. We know how CDD fees count in your debt-to-income ratio and how fast-rising prices affect appraisals.

Market Fundamentals

• First-Time Buyers: FHA with 3.5% down, FHA 100% financing and Hometown Heroes across the I-4 corridor.
• Acreage and Horse Country: Loans on homes with land in Marion and Lake counties.
• Refinancing: Cash out, a lower payment or debt payoff for Central Florida homeowners.

Equestrian & Estate Acreage

In markets like Marion and Lake County, property valuations are tied to land use and specialized improvements. We know how appraisers value horse farms and acreage in Marion and Lake counties, and we plan the loan around it.

Planned Communities

From the neo-traditional homes of Celebration to the "Medical City" at Lake Nona, we know the HOA and architectural rules that can affect a loan in Central Florida’s best-known planned communities.