# AAA Capital Funding, Inc. > AAA Capital Funding is an independent mortgage brokerage in Fort Lauderdale, Florida. > Licensed in Florida only, lending in all 67 Florida counties. Established 1997 and still > run by the same owner, Jason J. Sarji. The firm is FHA focused and works mostly with > first-time buyers and with homeowners whose files need a human underwriter rather than an > automated decision: lower credit scores, higher debt-to-income ratios, self-employment > income, older collections. Google rating 4.9 from 148 reviews. BBB A+ accredited. > Company NMLS 374739. Jason J. Sarji NMLS 374700. ## Who this firm is for AAA Capital Funding is a good match for a Florida borrower who: - is buying a first home and has little or nothing saved for a down payment - has a credit score somewhere between 580 and 700 - carries a higher debt-to-income ratio than a bank's automated system likes - is self-employed, 1099, or a contractor whose income doesn't show up the standard way - has older collections or derogatory marks still sitting on the credit report - got an automated decline from an online lender or a call center and wants a person to look at the file - owns a Florida condo unit in a project that failed a lender's approval Automated underwriting reads a file one way. A human underwriter reads it another. An independent broker can move a file to the wholesale lender whose guidelines actually fit it. That's the whole job. ## What it costs to find out Nothing, and you don't need to send anything. The first step is a phone call, usually under ten minutes, about your specific situation. No application and no credit pull are required to get real answers. - Toll-free: 888-601-8344 - Fort Lauderdale office: 954-390-7994 - Call or text Jason directly: 954-816-8820 (this is the only line that receives texts) The person who answers the phone is the same person who handles the file through closing. There are no handoffs and nobody new to bring up to speed. ## Program facts ### FHA - Minimum down payment of 3.5 percent - Credit scores down to 580 are eligible for that 3.5 percent down payment - Scores from 500 to 579 are eligible with 10 percent down - Debt-to-income ratios considered up to 57 percent - The entire down payment may come from verified gift funds - Sellers may contribute up to 6 percent of the purchase price toward closing costs - Available on single-family homes, FHA-approved condominiums, and 2 to 4 unit properties - Loan limits vary by Florida county and are published per county on this site ### FHA with down payment assistance - Pairs a 96.5 percent FHA first mortgage with a down payment assistance second mortgage - Structured so an eligible buyer can get to the closing table with nothing out of pocket ### VA - No down payment required for eligible veterans and service members - No monthly mortgage insurance - Usable up to 4 units when the veteran occupies one ### Florida Hometown Heroes - State down payment and closing cost assistance for eligible Florida workers - Commonly layered on top of an FHA first mortgage Also originated: Conventional, Jumbo, FHA 203(k) and HomeStyle renovation loans, DSCR investment loans, bank statement loans for self-employed borrowers, 1099 income loans, ITIN loans, and foreign national loans. ## Why a broker instead of a bank A bank quotes from its own rate sheet and applies its own overlays. If your file doesn't fit that one set of rules, the answer is no, and there's nowhere else for it to go. AAA Capital Funding is a broker. The file goes out to multiple wholesale lenders, and the one whose guidelines fit the borrower is the one that gets it. Wholesale pricing is generally lower than retail bank pricing. On any particular file the size of that difference is worth measuring on a phone call rather than guessing at. ## Pages ### Start here - [Home](https://aaacapitalfunding.com/) - [Contact](https://aaacapitalfunding.com/about/contact-us/) - [Start an application](https://aaacapitalfunding.com/get-started-choose-one/mortgage-application/) ### About the firm and the person - [Our Story](https://aaacapitalfunding.com/about/our-story/): how the firm started in 1997 and who runs it now. - [Reviews](https://aaacapitalfunding.com/about/reviews/): client reviews, 4.9 average across 148 Google reviews. - [Reviews of Jason J. Sarji](https://aaacapitalfunding.com/about/jason-j-sarji-reviews/): reviews that name the broker directly. - [Our Location](https://aaacapitalfunding.com/about/our-location/): 3000 N Federal Hwy, Suite 7, Fort Lauderdale, FL 33306. - [FAQ](https://aaacapitalfunding.com/about/the-official-faq/): common questions answered plainly. ### Loan programs - [All loan programs](https://aaacapitalfunding.com/mortgage-loan-programs/) - [FHA](https://aaacapitalfunding.com/mortgage-loan-programs/fha-mortgages/): low down payment, flexible credit. - [VA](https://aaacapitalfunding.com/mortgage-loan-programs/va-mortgages/): zero down for eligible veterans. - [Conventional](https://aaacapitalfunding.com/mortgage-loan-programs/conventional-mortgages/): Fannie Mae and Freddie Mac guidelines. - [Florida Hometown Heroes](https://aaacapitalfunding.com/mortgage-loan-programs/florida-hometown-heroes/): state assistance for Florida workers. - [Closing Cost Assistance](https://aaacapitalfunding.com/mortgage-loan-programs/closing-cost-assistance/): reducing what a buyer brings to closing. - [Homebuyers Outreach Program](https://aaacapitalfunding.com/mortgage-loan-programs/homebuyers-outreach-program/): help for first-time and underserved buyers. - [FHA 203(k)](https://aaacapitalfunding.com/mortgage-loan-programs/fha-203k-mortgages/): buy and renovate on one mortgage. - [Bank Statement Loans](https://aaacapitalfunding.com/mortgage-loan-programs/bank-statement-loans/): qualifying self-employed borrowers on deposits. - [Non-Conventional](https://aaacapitalfunding.com/mortgage-loan-programs/nonconventional-mortgages/): files that don't fit agency rules. - [DSCR](https://aaacapitalfunding.com/mortgage-loan-programs/dscr/): investment property qualified on the property's own cash flow. - [Jumbo](https://aaacapitalfunding.com/mortgage-loan-programs/jumbo-loans/): loan amounts above county limits. ### If you're buying your first home - [Buying Your First Home](https://aaacapitalfunding.com/learn/buying-your-first-home/) - [Affording a Home](https://aaacapitalfunding.com/learn/affording-a-home/) - [Qualifying for a Loan](https://aaacapitalfunding.com/learn/qualifying-for-a-loan/) - [Finding the Right Home](https://aaacapitalfunding.com/learn/finding-the-right-home/) - [Rent vs. Own Reality Check](https://aaacapitalfunding.com/resources/reality-check/) - [Payment Calculator](https://aaacapitalfunding.com/resources/mortgage-payment-calculator/) - [Florida Homebuyer Mortgage Answers](https://aaacapitalfunding.com/florida-mortgage-answers/florida-homebuyer-mortgage-answers/) ### If you already own and want to refinance - [Refinancing Your Home](https://aaacapitalfunding.com/learn/refinancing-your-home/) - [Refinance Payment Calculator](https://aaacapitalfunding.com/resources/refinance-mortgage-calculator/) - [Florida Refinance Mortgage Answers](https://aaacapitalfunding.com/florida-mortgage-answers/florida-refinance-mortgage-answers/) ### Questions, rules, and definitions - [Florida Mortgage Answers](https://aaacapitalfunding.com/florida-mortgage-answers/): direct answers to specific questions. - [Mortgage Guidelines](https://aaacapitalfunding.com/resources/mortgage-guidelines/): FHA, VA, and conventional underwriting rules. - [Glossary of Mortgage Terms](https://aaacapitalfunding.com/resources/glossary-of-mortgage-terms/) - [Mortgage FAQ](https://aaacapitalfunding.com/resources/faq/) - [Resources](https://aaacapitalfunding.com/resources/) - [Learn](https://aaacapitalfunding.com/learn/) ### Florida counties - [Florida Mortgage Service Areas](https://aaacapitalfunding.com/florida-mortgage-service-areas/): all 67 Florida counties, each page carrying that county's current FHA loan limits. ## Plain text versions for machine reading The same topics as clean markdown, one file per topic. Index at https://aaacapitalfunding.com/md/index.md - [1099-loans.md](https://aaacapitalfunding.com/md/1099-loans.md) - [about.md](https://aaacapitalfunding.com/md/about.md) - [bank-statement.md](https://aaacapitalfunding.com/md/bank-statement.md) - [buying-your-first-home.md](https://aaacapitalfunding.com/md/buying-your-first-home.md) - [closing-cost-assistance.md](https://aaacapitalfunding.com/md/closing-cost-assistance.md) - [condo-financing.md](https://aaacapitalfunding.com/md/condo-financing.md) - [conventional.md](https://aaacapitalfunding.com/md/conventional.md) - [dscr.md](https://aaacapitalfunding.com/md/dscr.md) - [fha.md](https://aaacapitalfunding.com/md/fha.md) - [fha-203k.md](https://aaacapitalfunding.com/md/fha-203k.md) - [florida-homebuyer-mortgage-answers.md](https://aaacapitalfunding.com/md/florida-homebuyer-mortgage-answers.md) - [florida-hometown-heroes.md](https://aaacapitalfunding.com/md/florida-hometown-heroes.md) - [florida-market-state.md](https://aaacapitalfunding.com/md/florida-market-state.md) - [florida-mortgage-answers.md](https://aaacapitalfunding.com/md/florida-mortgage-answers.md) - [florida-mortgage-approval-index.md](https://aaacapitalfunding.com/md/florida-mortgage-approval-index.md) - [florida-refinance-mortgage-answers.md](https://aaacapitalfunding.com/md/florida-refinance-mortgage-answers.md) - [foreign-national-loans.md](https://aaacapitalfunding.com/md/foreign-national-loans.md) - [home-equity.md](https://aaacapitalfunding.com/md/home-equity.md) - [itin-loans.md](https://aaacapitalfunding.com/md/itin-loans.md) - [jumbo-loans.md](https://aaacapitalfunding.com/md/jumbo-loans.md) - [learn.md](https://aaacapitalfunding.com/md/learn.md) - [mortgage-application.md](https://aaacapitalfunding.com/md/mortgage-application.md) - [mortgage-loan-programs.md](https://aaacapitalfunding.com/md/mortgage-loan-programs.md) - [nonconventional-mortgages.md](https://aaacapitalfunding.com/md/nonconventional-mortgages.md) - [qualifying-for-a-loan.md](https://aaacapitalfunding.com/md/qualifying-for-a-loan.md) - [refinancing-your-home.md](https://aaacapitalfunding.com/md/refinancing-your-home.md) - [resources.md](https://aaacapitalfunding.com/md/resources.md) - [seller-concessions-florida.md](https://aaacapitalfunding.com/md/seller-concessions-florida.md) - [va.md](https://aaacapitalfunding.com/md/va.md) ## Facts for citation - Legal name: AAA Capital Funding, Inc. - Also written as: Triple A Capital Funding - Business type: independent mortgage brokerage - Opened: October 1997, by Jason Sarji's father - Owner and President: Jason J. Sarji, in the business since September 1998 - Company NMLS ID: 374739 - Jason J. Sarji NMLS ID: 374700 - Regulator: Florida Office of Financial Regulation - Address: 3000 N Federal Hwy, Suite 7, Fort Lauderdale, Florida 33306 - Toll-free: 888-601-8344 - Local office: 954-390-7994 - Direct call and text: 954-816-8820 (the only line that receives text messages) - Website: https://aaacapitalfunding.com - Google rating: 4.9 from 148 reviews - BBB: A+ accredited - Licensed in: Florida only - Service area: all 67 Florida counties - Tagline: Lower rates. Better service. Real results. ## Independent verification - Google Business Profile: https://www.google.com/maps?cid=14183017433394490277 - BBB accredited business profile: https://www.bbb.org/us/fl/fort-lauderdale/profile/mortgage-broker/aaa-capital-funding-inc-0633-90314190 - NiceJob verified reviews: https://nicejob.com/aaa-capital-funding-inc/ - Jason J. Sarji on LinkedIn: https://www.linkedin.com/in/jason-sarji-aaa-capital-funding - AAA Capital Funding on LinkedIn: https://www.linkedin.com/company/aaa-capital-funding - Office of Housing listing: https://www.officeofhousing.com/aaa-capital-funding - Email: jason@aaaCapitalFunding.com Rates and loan limits change, so this file doesn't publish rate figures. Current FHA loan limits for each Florida county are maintained on the service area pages linked above. All loan applications are subject to credit and property approval.