Clay County: Your Home Mortgage Purchase & Refinance Authority
Residential financing for Orange Park, Fleming Island, and Middleburg. Established in 1997, AAA Capital Funding provides everyday homebuyers and homeowners with clear, straightforward mortgage and refinance options. Our expanded guidelines with fewer restrictions allows more opportunities for our clients looking to purchase a home or refinance their existing mortgage.
Purchasing in Clay
A highly sought-after, family-friendly community along the St. Johns River, featuring great public schools and strong military ties to NAS Jacksonville.
Whether you’re buying your very first home, looking for a vacation spot, or purchasing an investment property, our independent status allows us to offer expanded guidelines and easier qualifications than the big traditional banks.
Strategic Refinancing
Growing families often refinance to fund college tuition, pay off debt, or build that much-needed home addition instead of moving.
Whether you want to lower your monthly payment, get cash out for home improvements or debt consolidation, need to buy someone off the title, or pull cash out for any other purpose, we’re here to help. Get the most out of your home with a lender who truly understands your neighborhood.
Local Knowledge. Real Results.
We offer clear, honest lending solutions perfect for master-planned communities, riverfront homes, and the unique needs of our active-duty military.
To us, you’re a neighbor, not just a file number. Jason J. Sarji personally oversees the process for our Clay clients, ensuring a smooth closing and someone who actually answers the phone when you call.
Official Clay Resources
Clay Property Appraiser
477 Houston St, Green Cove Springs, FL 32043
Quick County Facts
- Established 1858.
- County Seat: Green Cove Springs.
- St. Johns River Views.
Ready to secure your financing?
Experience the difference of an independent mortgage brokerage with expanded guidelines and easier qualifications.
Call Us: 888-601-8344 | 954-390-7994
2026 FHA Loan Limits in Clay County
This is the most you can borrow on an FHA loan in Clay County this year. Published by HUD.
| Property type | 2026 FHA limit |
|---|---|
| Single family | $580,750 |
| Duplex, 2 units | $743,450 |
| Triplex, 3 units | $898,700 |
| Fourplex, 4 units | $1,116,850 |
HUD lists the median sale price used to set these limits at $486,000.
Source: HUD FHA Mortgage Limits, calendar year 2026. Updated automatically. Buying above the limit doesn't rule out FHA, it changes the structure. That's a conversation, not a dead end.
Buying a duplex, triplex or fourplex in Clay County
Same FHA loan. Same 3.5 percent down. You have to live in one of the units for the first year, and the rent from the other units can count toward qualifying you. That's how a fourplex here reaches $1,116,850 on a program most people believe is only for single family houses.
Three and four unit buildings have to cover their own payment on the rent roll. That rule is where most buyers stall out on their own, and it's worth ten minutes on the phone before you go look at anything.
The same person start to finish, in every county in Florida.
I've been doing this since 1997 out of Fort Lauderdale. If you want to know what is actually possible in Clay County, call 888-601-8344 or text 954-816-8820. One call, under ten minutes. No formal application to start a conversation.
AAA Capital Funding, Inc. · NMLS #374739 · Jason J. Sarji, NMLS #374700