Straight Talk
About Your Mortgage Rate
We won’t post a flashy teaser rate to reel you in, because a rate on a web page is a guess until it’s built around your actual file.
The number you’re offered depends far less on a headline figure and far more on whether someone takes the time to structure your loan correctly. In Florida, that’s the part AAA Capital Funding has been doing right since 1997.
Why the Advertised Rate Is Rarely the Rate You Get
Those eye-catching rates you see, from any lender on any site, are usually built around a borrower who may not exist: an 800-plus credit score, a large down payment, and points paid upfront to buy the number down.
The moment your real situation differs from that perfect picture, the rate you’re actually offered moves.
That’s what makes comparing advertised numbers so frustrating. You’re holding up figures that were never calculated for you, hoping one of them turns out to be real. It’s apples to oranges, and it costs you hours you don’t have.
What you actually want is simpler: the real, all-in number for your situation, with the costs laid out plainly, so you can make a clear decision. That is exactly what a quote from us is.
How We Actually Find Your Rate
As an independent Florida broker, we shop your loan across multiple wholesale lenders based on your credit, down payment and goals. That also gives us access to expanded guidelines when your situation needs them.
When we shop your file, our job is to bring you the lowest rate available for your specific situation, and to show you the all-in costs in the open, so you can see for yourself that it’s real.
What that means for you
- Multiple wholesale lenders shopped for your file, not one bank’s single rate sheet.
- Expanded underwriting guidelines for situations larger lenders often overlook.
- Your true rate and all-in closing costs, disclosed upfront, before you commit to anything.
- No hidden origination fees and no surprise points added at the end.
Before You Compare Rates, Read This
Buyers are sometimes steered, nudged toward a particular lender by someone who has a reason to send them there, whether it’s a builder’s in-house lender or an agent who’d rather you didn’t look around.
You're never obligated to use anyone’s preferred lender. Who finances your home is one of the largest financial decisions you’ll ever make, and the choice belongs to you alone.
Shop it the way you’d shop anything that matters. If we turn out to be the better choice, great. If not, you'll know you made an honest comparison, and knowing that is worth the phone call by itself.
One Broker From Start to Finish
When you call about your rate, you reach a licensed loan officer who learns your whole situation, finds the right loan and stays with you through closing.
My father built this business on one rule I never let go of: do the math right, tell people the truth, and treat their money like it’s your own. A lower rate means very little if the person who quoted it disappears the moment your file hits a wrinkle. Here, you’re never passed down a line, and you never will be.
See for Yourself
Every rating here is public and independent. Nothing is self-reported.
Common Questions About Our Rates
Why don’t you post your mortgage rates online?
Because a rate on a web page is a guess until it’s built around your actual file. Posting a low teaser number would mean advertising a rate most people won’t actually get. Instead, we give you a real, all-in quote for your specific situation, usually the same day.
Will getting a quote hurt my credit score?
No. Our pre-qualification takes only a few minutes and doesn't require a credit pull to give you an accurate estimate of where you stand.
What makes an independent broker different from a big bank or call center?
A bank offers one rate sheet, its own. As an independent Florida broker, we shop your file across multiple top wholesale lenders to find the lowest rate you qualify for, and we can work with expanded guidelines that larger lenders often overlook.
Are there any upfront fees to get a quote?
None. There are no upfront fees to find out where you stand. You see your true rate and closing costs disclosed upfront, with no hidden origination fees.
Get Your Real Number
Give us the basics and we’ll get you an upfront, all-in quote, usually the same day. It takes just a few minutes, with no credit pull.
Get My Real Rate QuoteNo SSN required · No credit pull
The guideline is only the starting point.
Guidelines are written for the typical borrower. What gets approved depends on how the loan is structured and presented to the underwriter, and that takes experience. We've been structuring Florida loans since 1997, including plenty that other lenders couldn't get through.
Call 888-601-8344 and we'll go over your real numbers with you. Under ten minutes, straight answers, 24/7. No application, no credit pull.
Text 954-816-8820 if that's easier.
AAA Capital Funding, Inc. · NMLS #374739 · Jason J. Sarji, NMLS #374700