Monroe County: Your Home Mortgage Purchase & Refinance Authority
Your local mortgage experts for Key Largo, Marathon, and Key West. 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 Monroe
Stretching down through the Florida Keys, this is the ultimate destination for buyers looking for island living, world-class diving, and a completely relaxed vibe.
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
Our clients frequently refinance to harden their homes against the weather, elevate their properties, or drop their mortgage insurance to save money.
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.
Navigating real estate in the Keys means understanding coastal insurance, ROGO rules, and flood zones, and we’ve got that covered.
To us, you’re a neighbor, not just a file number. Jason J. Sarji personally oversees the process for our Monroe clients, ensuring a smooth closing and someone who actually answers the phone when you call.
Official Monroe Resources
Monroe Property Appraiser
500 Whitehead St, Key West, FL 33040
Quick County Facts
- Established 1823.
- County Seat: Key West.
- The Conch Republic.
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 Monroe County
This is the most you can borrow on an FHA loan in Monroe County this year. Published by HUD.
| Property type | 2026 FHA limit |
|---|---|
| Single family | $990,150 |
| Duplex, 2 units | $1,267,600 |
| Triplex, 3 units | $1,532,200 |
| Fourplex, 4 units | $1,904,150 |
HUD lists the median sale price used to set these limits at $861,000.
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 Monroe 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 $1,904,150 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 Monroe 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