Southwest Florida Mortgage Authority

Institutional Expertise Since 1997

Since our establishment in 1997, AAA Capital Funding, Inc. has served as a specialized lending partner for the Southwest Florida real estate market. This region presents a sophisticated landscape where luxury coastal assets in Naples and Marco Island meet the high-growth residential hubs of Fort Myers and Cape Coral. Our tenure in the Florida market since the 1990s allows us to provide the technical expertise required for this unique economic ecosystem.

We understand that Southwest Florida homeowners require a deep understanding of regional underwriting nuances. This includes expertise in the FEMA 50% Rule for coastal renovations, specialized appraisals for high-value Gulf-front estates, and the financial structures inherent to the region’s premier master-planned and golf course communities. From Charlotte Harbor to the inland agricultural and residential expansion in Hendry and Glades, we offer the stability of nearly three decades of local performance.

Market Fundamentals

• Luxury Portfolio: High-limit jumbo lending for the Paradise Coast’s premier estate markets.
• Coastal Resilience: Technical guidance on flood zone requirements and insurance escrow management.
• Growth Strategy: Strategic financing for new construction and residential expansion in high-growth corridors.

Gulf-Front & Barrier Island Assets

Navigating the complexities of financing on Sanibel, Captiva, and Fort Myers Beach requires a lender with an institutional memory of the region. We provide expert valuation and underwriting for these highly regulated coastal environments.

Master-Planned & Country Club Communities

Southwest Florida is home to some of the nation's most successful master-planned developments. We understand the specific impacts of CDD fees and HOA requirements on debt-to-income ratios and overall loan structure.

Inland Growth & Agricultural Estates

In counties like Hendry, Glades, and De Soto, the market often involves larger acreage and unique land use. Our experience since 1997 ensures these non-traditional residential assets are appraised and financed correctly.