St. Johns County: Your Home Mortgage Purchase & Refinance Authority
Elite mortgage services for St. Augustine, Ponte Vedra, and the First Coast. 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 St. Johns
Home to the nation’s oldest city and some of the best public schools in Florida, buyers are drawn to the incredible history and family-friendly lifestyle.
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
Many homeowners are refinancing to drop their mortgage insurance (PMI), upgrade their outdoor living spaces, or simply lock in a more comfortable payment.
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 buying a historic home near St. George Street or new construction in Nocatee, we know exactly how to navigate this fast-growing market.
To us, you’re a neighbor, not just a file number. Jason J. Sarji personally oversees the process for our St. Johns clients, ensuring a smooth closing and someone who actually answers the phone when you call.
Official St. Johns Resources
St. Johns Property Appraiser
4010 Lewis Speedway, St. Augustine, FL 32084
Quick County Facts
- Established 1821.
- County Seat: St. Augustine.
- Nation’s Oldest City.
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 St. Johns County
This is the most you can borrow on an FHA loan in St. Johns 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 St. Johns 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 St. Johns 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