Okeechobee County: Your Home Mortgage Purchase & Refinance Authority
Rural lending expertise for Okeechobee and the surrounding heartland. 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 Okeechobee
Sitting right on the northern edge of the state’s biggest lake, buyers love this area for its incredible fishing, rodeos, and true country living.
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
Folks out here often use cash-out refinancing to upgrade their farming equipment, build out a workshop, or consolidate everyday bills.
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 understand the specific details of financing properties out in the country and make the process smooth, straightforward, and hassle-free.
To us, you’re a neighbor, not just a file number. Jason J. Sarji personally oversees the process for our Okeechobee clients, ensuring a smooth closing and someone who actually answers the phone when you call.
Official Okeechobee Resources
Okeechobee Property Appraiser
304 NW 2nd St, Okeechobee, FL 34972
Quick County Facts
- Established 1917.
- County Seat: Okeechobee.
- Speckled Perch Capital.
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 Okeechobee County
This is the most you can borrow on an FHA loan in Okeechobee 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 $165,000.
Source: HUD FHA Mortgage Limits, calendar year 2026. Updated automatically. Buying above the limit does not rule out FHA, it changes the structure. That is a conversation, not a dead end.
Buying a duplex, triplex or fourplex in Okeechobee 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 is 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 is the part worth a phone call before you go look at anything.
Every county in Florida, one person handling the file.
I have been doing this since 1997 out of Fort Lauderdale. If you want to know what is actually possible in Okeechobee County, call 888-601-8344 or text 954-816-8820. One call, under ten minutes. No application to start a conversation.
Call 888-601-8344Text 954-816-8820
AAA Capital Funding, Inc. · NMLS #374739 · Jason J. Sarji, NMLS #374700