Our Transparent Rate Philosophy

The Challenge of Posted Rates: Why Variables Matter

Lenders are required to show competitive rates, but these posted figures (from any source, including advertisements) are often hypothetical. They represent the lowest possible rate available under the most ideal and perfect conditions—usually requiring an 800+ credit score, a massive down payment, and paying high upfront fees or discount points that most clients prefer to avoid.

If your unique financial profile doesn't perfectly match that ideal scenario, the actual rate you are offered will inevitably be higher. Comparing these generic, advertised numbers is like comparing apples to oranges; it leads to confusion, frustration, and wasted time. This page is here to show you a professional, more accurate path forward.

Our Commitment: Real Quotes and Zero Pressure

At AAA Capital Funding, Inc., we believe your mortgage experience should be stress-free, accurate, and ethical. As an independent, established brokerage (since 1997), we analyze your actual, unique profile—your credit score, desired down payment, and goals—and shop your data across multiple top wholesale banks to find the true lowest rate available specifically to you.

No High-Pressure Sales: We hear the horror stories too. No client should ever feel pressured by their lender or feel obligated to use a specific lender due to aggressive pushing by a third party, including Realtors. We pride ourselves on providing education, options, and a professional, consultative service—never coercion. Your needs are the only priority.

• The True Comparison: We find the genuine lowest, all-in rate and cost estimate available to you, eliminating the need to compare misleading public numbers.
• You will see your true rate and closing costs fully disclosed to you upfront. There are no hidden origination fees or surprise points that other brokers and lenders have and fail to disclose to you. That is a common pitfall we see clients become victim of all the time.
• Expert Advocacy: We work for you, the client. Our sole mission is to secure the absolute best rate and terms your profile allows, free from outside influence.