Find the Mortgage Program That Fits Your Specific Needs for Your Florida Home Purchase or Refinance
Whether you're buying a home or refinancing your existing mortgage, the process shouldn't feel like a mystery. Every borrower is unique, and we offer a full range of loans, from government-backed assistance to specialized investment financing, to match your exact financial profile and future goals.
Our Core Loan Programs at a Glance
Conventional Loans
The Industry Standard for Stability
The most common loan, backed by Fannie Mae and Freddie Mac. Best for strong financial profiles, Conventional loans allow a 3% down payment and you're able to cancel monthly mortgage insurance (PMI) once you reach 20% equity, lowering your long-term cost.
FHA Loans
The Easiest Path to Homeownership
Insured by the Federal Housing Administration, this loan is ideal if you have a lower credit score or need a minimal down payment. Qualify with as little as 3.5% down (0% down also available) and enjoy simplified debt-to-income and credit requirements.
VA Loans
The Zero-Down Military Benefit
The best loan available for eligible U.S. Veterans, Active-Duty Service Members, and spouses. It allows for 100% financing (zero down payment) and, critically, has no monthly mortgage insurance (PMI), saving thousands annually.
Jumbo Loans
For Florida's Luxury and High-Value Homes
This non-conforming option is necessary when the loan amount exceeds federal limits. While they require higher credit scores and more substantial cash reserves, we tailor competitive Jumbo solutions for luxury residential properties across Florida.
DSCR (Investor) Loans
The Cash Flow Solution for Real Estate Investors
Designed exclusively for investment properties (1–4 units). Qualification is based on the rental income potential of the property, not your personal employment or tax returns. This is perfect for expanding your rental portfolio easily.
Bank Statement Loans
The Self-Employed Advantage
If you’re self-employed and your tax returns don't reflect your true cash flow, this program uses your bank deposits instead of tax forms to verify income. It’s an effective way for entrepreneurs to qualify for their primary home or an investment property.
Florida Hometown Heroes Program
Assistance for Florida's Essential Workers
A 0% Florida Housing loan of $10,000 to $35,000 toward the down payment and closing costs, for first-time buyers in eligible jobs, plus service members and veterans. There's no monthly payment, and you repay it in full when you sell, refinance, pay off the mortgage, sign over the deed or move out.
Homebuyers Outreach Program
Your Closing Cost Credit Incentive
This exclusive incentive gives homebuyers a direct credit back once the loan closes, which lowers your out-of-pocket costs. We designed the program to make buying a home easier and more rewarding, especially while the market keeps shifting.
How do I know which one I need?
It's easy to focus only on the interest rate, but your loan program is actually the most strategic choice you'll make, whether for a purchase or a refinance. It controls variables like your monthly budget, required down payment, and the speed at which you build equity. Getting this right means saving thousands in total interest and fees over the life of the loan.
For instance, a Conventional Loan might look slightly more expensive upfront than an FHA loan, but the ability to remove monthly mortgage insurance (PMI) once your equity hits 20% makes it cheaper in the long run. If you're a Veteran, the VA Loan offers a benefit no other loan can match: zero down payment and zero monthly PMI. An FHA Loan will typically be the most lenient in regards to credit scores and debt ratio.
Our commitment is to look beyond today's rate and structure a mortgage that aligns with your 5-year and 10-year wealth-building goals. We help you compare the true total cost, not just the initial payment.
Ready to Get Started?
Take the first step toward your purchase or refinance with a fast, transparent pre-approval, or call us for immediate, expert guidance on securing your best financial outcome.
Not sure where you fit? Talk with an independent Fort Lauderdale mortgage broker about buying, or see your options for a Florida mortgage refinance.
Want to know which one fits you best?
One call, under ten minutes. No application, no credit pull. You'll know more than you did this morning.
AAA Capital Funding, Inc. · NMLS #374739 · Jason J. Sarji, NMLS #374700