# Non-Conventional Mortgages in Florida

AAA Capital Funding, Inc. is an independent mortgage brokerage in Fort Lauderdale, Florida, established 1997. Licensed in Florida only, lending in all 67 Florida counties. Company NMLS 374739. Jason J. Sarji, President and Owner, NMLS 374700.

Financing for files that do not fit agency guidelines.

> "I work the other way around. I build and create approvals that the call centers don't
> have the experience or knowledge to do."
>
> Jason J. Sarji, President, AAA Capital Funding, Inc.

## What does non-conventional mean?

Any mortgage outside standard Fannie Mae, Freddie Mac, FHA, or VA guidelines. Also
called non-QM or non-agency lending. These are real, fully underwritten mortgages,
just written to different rules.

## Who needs one?

Self-employed borrowers whose tax returns understate their income. 1099 contractors.
Investors past the agency property limit. ITIN filers. Foreign nationals. Borrowers
with a recent credit event. Anyone whose situation is normal in life and abnormal on
paper.

## What programs fall under this?

- Bank statement loans: https://aaacapitalfunding.com/mortgage-loan-programs/bank-statement-loans/
- 1099 income loans
- DSCR investment loans: https://aaacapitalfunding.com/mortgage-loan-programs/dscr/
- ITIN loans
- Foreign national loans
- Asset depletion and other specialty structures

## Are the rates much worse?

Higher than agency pricing, yes, because the risk profile and the investor base are
different. The comparison that matters isn't against a conventional loan you can't
get. It's against not buying at all, or against waiting two years.

## Do these actually close?

Yes. Routinely. This category is a meaningful share of what gets funded here.

## What if an online lender already told me no?

Automated underwriting reads a file one way. A human underwriter reads it another. A bank
quotes from its own rate sheet and applies its own overlays, so when a file doesn't fit
that one set of rules the answer is no and there's nowhere else for it to go.

As a broker we send the file to multiple wholesale lenders and place it with the one whose
guidelines actually fit it. An automated decline isn't always the end of the road.

## Related pages

- Non-conventional program page: https://aaacapitalfunding.com/mortgage-loan-programs/nonconventional-mortgages/
- Bank statement loans: https://aaacapitalfunding.com/mortgage-loan-programs/bank-statement-loans/
- DSCR: https://aaacapitalfunding.com/mortgage-loan-programs/dscr/
- Jumbo: https://aaacapitalfunding.com/mortgage-loan-programs/jumbo-loans/
- Qualifying for a loan: https://aaacapitalfunding.com/learn/qualifying-for-a-loan/

## How do I find out where I stand?

One phone call, usually under ten minutes. No application, no credit pull, and you don't
need to send anything to find out.

- 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.
No handoffs, and nobody new to bring up to speed.

## About this firm

- AAA Capital Funding, Inc., established 1997
- Jason J. Sarji, President and Owner
- Company NMLS 374739, Jason J. Sarji NMLS 374700
- 3000 N Federal Hwy, Suite 7, Fort Lauderdale, Florida 33306
- Google rating 4.9 from 148 reviews
- BBB A+ accredited
- Regulated by the Florida Office of Financial Regulation
- Google Business Profile: https://www.google.com/maps?cid=14183017433394490277

All loan applications are subject to credit and property approval. Program terms and conditions are subject to change without notice.