Gilchrist County: Your Home Mortgage Purchase & Refinance Authority
Rural, friendly home loans for Trenton and Fanning Springs. 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 Gilchrist
Known for its crystal-clear springs and friendly rural communities, it’s the perfect place for buyers who want space to breathe and enjoy nature.
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
Homeowners often refinance to add workshops to their land, buy out co-owners, or get a lower rate to keep their everyday living costs down.
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.
Whether you’re near Ginnie Springs or out in the country, we have the experience to finance rural properties without the headache of a big corporate bank.
To us, you’re a neighbor, not just a file number. Jason J. Sarji personally oversees the process for our Gilchrist clients, ensuring a smooth closing and someone who actually answers the phone when you call.
Official Gilchrist Resources
Gilchrist Property Appraiser
209 SE 1st St #1, Trenton, FL 32693
Quick County Facts
- Established 1925.
- County Seat: Trenton.
- Florida’s Springs Heart.
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 Gilchrist County
This is the most you can borrow on an FHA loan in Gilchrist County this year. Published by HUD.
| Property type | 2026 FHA limit |
|---|---|
| Single family | $541,287 |
| Duplex, 2 units | $693,050 |
| Triplex, 3 units | $837,700 |
| Fourplex, 4 units | $1,041,125 |
HUD lists the median sale price used to set these limits at $315,000.
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 Gilchrist 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 $1,041,125 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 Gilchrist 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