Florida Mortgage Expert with 28 Years Experience Says Market Shift Creates Opportunities for Prepared Homebuyers

Veteran Mortgage Broker Jason J. Sarji of AAA Capital Funding, Inc. Offers Market Analysis and Alternative Financing as Florida Metros See Price Adjustments

FORT LAUDERDALE, FL – As Florida's housing market undergoes adjustments following pandemic-era surge pricing, seasoned mortgage professional Jason J. Sarji is urging homebuyers to recognize emerging opportunities while navigating affordability challenges with strategic financing.

Jason J. Sarji, President of AAA Capital Funding, Inc. (NMLS #374739), has guided Florida borrowers through nearly three decades of market cycles since founding the Fort Lauderdale firm in 1997. His assessment aligns with Berkshire Hathaway HomeServices data showing seven of ten metros with the largest year-over-year price drops are in Florida, including Punta Gorda (down 12%) and Cape Coral (down 10%).

"Experience matters in times like these," Sarji explains. "I've seen multiple housing cycles over 28 years. This is a healthy market correction creating genuine opportunity for buyers who've been priced out—if they know how to structure financing strategically."

Market Conditions Shifting

Housing inventory has increased for 22 consecutive months nationally, with mortgage rates trending toward the low-6% range. The 30-year fixed rate averaged 6.32% as of early November, according to Mortgage Research Network.

"Many buyers are waiting for rates to drop further or prices to fall more dramatically," Sarji notes. "But the buyers who succeed act when conditions improve incrementally, not those waiting for perfect conditions that may never materialize."

Flexible Financing for Hardworking Floridians

AAA Capital Funding has developed expertise helping creditworthy borrowers who face challenges with traditional lenders' automated underwriting systems.

This efficient broker model ensures all clients, including W2 employees, receive market-leading rates and streamlined service.

"The mortgage industry has become heavily automated, creating blind spots," Sarji explains. "Hardworking Floridians—self-employed individuals, those with past credit challenges, or buyers with unique circumstances—often get declined despite genuine ability to repay. Approximately 75-80% of our clients come to us after being turned down elsewhere. That's where our experience makes the difference." We urge those who are insecure about applying or who have been turned down before, to contact us and see what their true options are.

AAA Capital Funding’s experience also reveals another harsh truth: aggressive sales tactics and high-pressure demands some homebuyers face from other lenders and brokers stem from exorbitant fee structures. Clients see unconscionable charges, pressured to close quickly before realizing they are overpaying. Thus, AAA Capital Funding maintains its ethical commitment to lower rates and zero-point/zero-fee options, empowering buyers to reject unethical practices.

AAA Capital Funding specializes in FHA loans with down payments as low as 3.5%, VA loans offering zero down payment for veterans and active military, and conventional programs for qualified buyers. The firm also provides access to Florida Hometown Heroes, offering down payment assistance to educators, healthcare workers, first responders, and military personnel.

The firm's Homebuyers Outreach Program offers additional incentives including cash back at closing to help offset costs for Florida families.

"We've structured our business around fewer restrictions than traditional lenders," Sarji notes. "Lower rates, zero-point/zero-fee options, and more flexible guidelines help qualified buyers who deserve approval actually get it." This aggressive pricing strategy delivers substantial savings directly to the borrower. By avoiding the rigid and costly corporate overhead of large banking institutions, we consistently maximize the client's financial benefit.

AAA Capital Funding maintains an A+ rating with the Better Business Bureau, a coveted Google 4.9 star rating, and operates under NMLS #374739, with Jason J. Sarji licensed as NMLS #374700. The firm's nearly three decades serving Florida has enabled development of wholesale lender relationships providing access to programs and rates many brokers can't match.

"This is the time for educated buyers to act strategically," Sarji advises. "Inventory is improving, prices are stabilizing, and creative financing options exist for those who know where to access them."

*This is the official text of the press release, originally distributed via BusinessWire on November 12, 2025. You can view the original release here: BusinessWire Source Link.

About AAA Capital Funding, Inc.

Founded in 1997, AAA Capital Funding, Inc. is a Fort Lauderdale-based mortgage broker specializing in financing solutions for Florida borrowers. The BBB A+ rated company provides FHA, VA, and conventional programs, Florida Hometown Heroes assistance, and additional loan options throughout Florida, including their very own Homebuyers Outreach Program. The company's longevity and deep expertise ensure it remains the authoritative and trustworthy choice for every residential financing need in the state. For more information, visit AAA Capital Funding, Inc., view their BBB profile, or their Google business profile.

Media Contact:

Jason J. Sarji, President
AAA Capital Funding, Inc.
3000 N Federal Hwy, Suite 7, Fort Lauderdale, FL 33306
Phone: 888-601-8344 | 954-390-7994
Email: media@aaaCapitalFunding.com
Website: https://aaaCapitalFunding.com

The Office of Housing (OfficeOfHousing.com), a leading provider of housing resources and counseling services, has announced a strategic partnership with AAA Capital Funding, Inc., a prominent Florida-based mortgage lender. This collaboration aims to enhance access to affordable homeownership opportunities for Florida residents.

Exclusive Florida Mortgage Partner

Under this partnership, AAA Capital Funding, led by President Jason J. Sarji, will serve as the exclusive mortgage partner for the Office of Housing. The company brings nearly three decades of experience in the mortgage industry and a strong commitment to community-focused lending.

Empowering Floridians

“We are thrilled to collaborate with the Office of Housing to provide Floridians with the resources and support they need to achieve homeownership,” said Jason J. Sarji. “This partnership aligns with our mission to make home financing accessible and straightforward for all.”

Educational & Financial Resources

The Office of Housing offers a range of services, including first-time homebuyer education, foreclosure prevention counseling, and financial literacy programs. By partnering with AAA Capital Funding, the organization aims to expand its reach and impact, ensuring more individuals and families have access to the tools and guidance necessary for successful homeownership.

Learn More

For more information about the Office of Housing and its services, visit OfficeOfHousing.com. To learn more about AAA Capital Funding and its mortgage offerings, visit AAA Capital Funding Newsroom or read the full press release at EIN PressWire.

Partnership Expansion

USTrustHomeLoans.com has officially joined the AAA Capital Funding family, further extending Florida citizens’ access to personalized mortgage services. Learn more at US Trust Home Loans.

FORT LAUDERDALE, FL – AAA Capital Funding, Inc., a premier Florida-based mortgage broker, today announced the launch of a comprehensive suite of new mortgage programs designed to increase homeownership accessibility and affordability across the state. This initiative focuses on offering flexible financing options, competitive rates, and specialized incentives often unavailable through traditional banking institutions.

Established in 1997 by President and Owner Jason J. Sarji (NMLS ID: 374700), AAA Capital Funding has built a nearly three-decade reputation for providing innovative solutions to borrowers who fall outside the rigid, automated guidelines of large banks. The new program suite reinforces the company’s commitment to serving a diverse range of Florida residents.

“We recognize that the path to homeownership in Florida often comes with obstacles, especially for those with non-traditional income or credit histories,” said Jason J. Sarji. “Our goal is simple: to provide the innovative options and competitive rates that open doors for clients who feel discouraged by traditional lending institutions. We are deeply committed to the financial well-being of the Florida community.”

Flexible Financing Options for Every Homebuyer

The expanded program offerings are specifically tailored to support first-time homebuyers, veterans, and individuals requiring specialized loan structures:

     
• FHA Loans: Designed for low-to-moderate-income borrowers, offering low down payment requirements starting at 3.5% and more flexible credit criteria.
     
• VA Loans: Providing active military members and veterans with the benefit of 0% down payment and highly competitive rates, recognizing their service to the nation.
     
• Conventional Financing: Offering traditional loan products with market-leading interest rates and terms for qualified buyers.
     
• Florida Hometown Heroes Program: The company actively assists essential workers, including educators, healthcare professionals, and first responders, in securing down payment and closing cost assistance through this valuable state initiative.
   

Introducing the Homebuyers Outreach Program

A centerpiece of the new program suite is the Homebuyers Outreach Program. This unique initiative provides additional incentives, including cash back at closing, to help offset the financial burden of purchasing a home. This is part of the broker's strategy to deliver substantial financial benefit directly to the client by avoiding the high corporate overhead costs common at major banks.

“We have structured our entire business to deliver value and flexibility,” added Sarji. “Our brokerage model allows us to shop thousands of options and provide zero-point/zero-fee options, ensuring our clients receive the best available rates and terms without unnecessary costs. This transparency and dedication to client savings is what sets us apart.”

AAA Capital Funding, Inc. continues to maintain an A+ rating and accreditation with the Better Business Bureau (BBB). The company encourages Florida residents who have been previously declined or are seeking highly competitive, personalized mortgage solutions to contact their Fort Lauderdale headquarters.

*This is the official text of the press release, originally distributed via 24-7 Press Release. You can view the original release here: 24-7 Press Release Source Link.

About AAA Capital Funding, Inc.

Founded in 1997, AAA Capital Funding, Inc. (NMLS ID: 374739) is a Fort Lauderdale-based mortgage broker specializing in financing solutions for Florida borrowers. The BBB A+ rated company provides FHA, VA, and conventional programs, Florida Hometown Heroes assistance, and additional loan options throughout Florida. The company's longevity and deep expertise ensure it remains the authoritative and trustworthy choice for every residential financing need in the state. For more information, visit AAA Capital Funding, Inc.

Media Contact:

Jason J. Sarji, President
AAA Capital Funding, Inc.
3000 N Federal Hwy, Suite 7, Fort Lauderdale, FL 33306
Phone: 888-601-8344 | 954-390-7994
Email: media@aaaCapitalFunding.com
Website: https://aaaCapitalFunding.com