AAA Capital Funding

What AAA Capital Funding does

AAA Capital Funding, Inc. is an independent Florida mortgage broker founded in October 1997 and headquartered at 3000 N Federal Hwy, Suite 7, Fort Lauderdale. The company originates purchase and refinance mortgages on behalf of Florida homeowners and homebuyers, sourcing financing through multiple wholesale lending channels rather than acting as a retail lender. Its product set spans FHA loans (3.5% minimum down), VA loans (0% down for eligible veterans), Conventional conforming loans, Jumbo loans for luxury properties, DSCR investor loans, FHA 203(k) renovation loans, Bank Statement loans for self-employed borrowers, and Non-Conventional/Non-QM products, supplemented by the Florida Hometown Heroes down payment assistance program and a Homebuyers Outreach Program offering cash back at closing.

The underlying platform consists of standard mortgage brokerage tooling—a website-based application portal, the Qual Rate affordability engine that performs DTI calculations without requiring SSN or credit pull, and supporting payment/refinance calculators—layered over wholesale lender relationships. The firm is HUD-approved, FHA-approved, an approved Fannie Mae and Freddie Mac seller/servicer partner, Equal Housing Lender, NMLS #374739 (President Jason J. Sarji NMLS #374700), BBB A+ accredited with a 4.9/5.0 Google rating. Its core operational model is a single-officer, one-file-one-person origination process: President and Owner Jason J. Sarji (in the business since September 1998) personally handles each loan from pre-approval through closing.

AAA Capital Funding generates revenue through transaction-based mortgage origination fees earned as a licensed broker for bringing qualified borrowers to wholesale lender platforms. Approximately 75-80% of its clients have been previously declined by other lenders or brokers, positioning the firm around non-traditional borrower profiles, complex income documentation, and self-employed buyers underserved by bank automated underwriting. In October 2025, the company was designated Official Mortgage Partner for Florida by Office of Housing and integrated US Trust Home Loans (USTrustHomeLoans.com) into its operations, expanding both its referral pipeline and acquired brand presence while remaining a single-office, Florida-only operation.

Name

AAA Capital Funding

Legal name

AAA Capital Funding, Inc.

Website

https://aaacapitalfunding.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1–10 employees

Short description

AAA Capital Funding is a Fort Lauderdale-based independent mortgage broker founded in 1997, originating FHA, VA, Conventional, Jumbo, DSCR, and Non-QM loans for Florida homeowners and homebuyers, with President Jason J. Sarji personally handling each file.

Ownership category

akta.pro rank

Product category

Residential Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)

Keywords

• Mortgage brokerage
• Residential lending
• FHA loans
• VA loans
• Home refinance

Headquarters

HQ city

Fort Lauderdale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination Fees: The company earns revenue through mortgage origination fees as a licensed mortgage broker. They shop multiple wholesale lending channels to find competitive rates for clients. Revenue is generated from loan origination, with zero-point/zero-fee options available. The broker model allows bypassing rigid lender overlays to provide flexible underwriting options.
2. Brokerage Spread/Wholesale Channel Access: As an independent mortgage broker, AAA Capital Funding accesses multiple wholesale lenders to find optimal financing structures. The company provides FHA, VA, Conventional, and Non-QM programs, earning fees from lenders for bringing qualified borrowers to their platforms.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

AAA Capital Funding is an independent Florida mortgage broker that shops multiple wholesale lending channels to originate residential home purchase and refinance loans for Florida consumers. The company specializes in FHA, VA, Conventional, Jumbo, DSCR, Bank Statement, and FHA 203(k) loans, with a focus on flexible underwriting for borrowers who have been declined by traditional banks. President Jason J. Sarji personally handles each loan file from pre-approval through closing, operating under NMLS #374739 from Fort Lauderdale.

Product overview

AAA Capital Funding is a Fort Lauderdale-based mortgage broker established in 1997, operating as a single-product mortgage lending platform with multiple loan program variants and digital tools. The core offering consists of government-backed and conventional mortgage products including FHA loans (3.5% down), VA loans (0% down for veterans), Conventional mortgages, Jumbo loans, DSCR loans for investors, Bank Statement loans for self-employed borrowers, and specialized programs like the Florida Hometown Heroes down payment assistance and Homebuyers Outreach Program with cash back at closing. The company provides supplementary digital tools including the Qual Rate affordability calculator, mortgage payment calculator, and refinance calculator. Additionally, they operate a comprehensive Newsroom resource hub and Mortgage Guidelines library covering detailed underwriting rules for all loan types. The company also integrated US Trust Home Loans into its operations and partners with Office of Housing as Florida's Official Mortgage Partner. Serving Florida homeowners and homebuyers since 1997.

Differentiator

Problem solved

Functional benefit

Products and services

• FHA Mortgages Government-backed FHA loans offering 3.5% minimum down payment for qualified borrowers with 580+ credit score, with UFMIP of 1.75% and annual MIP; designed for low-to-moderate-income first-time and repeat Florida homebuyers needing flexible credit criteria.
• VA Mortgages Zero-down home purchase and refinance loans for active military members and veterans with competitive rates and VA funding fees ranging from 2.15% (first use) to 3.30% (subsequent use); service-connected disabled veterans may be exempt from funding fees.
• Conventional Mortgages Traditional Fannie Mae / Freddie Mac conforming loan products with market-leading interest rates and terms for qualified Florida buyers; PMI applies for down payments under 20%.
• Jumbo Loans

Quantifiable outcome

• BBB A+ rating maintained
• +3 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered flagship and core.

• Office of Housing (OfficeOfHousing.com)flagshipGTM or Marketing Partner · 15 October 2025AAA Capital Funding was designated as the Official Mortgage Partner for Florida by the Office of Housing. This partnership aims to enhance financial literacy and homeownership opportunities for Florida residents by offering tailored mortgage resources and services. The collaboration provides AAA Capital Funding with official endorsement and referral pipeline from a recognized housing counseling organization.
• US Trust Home LoanscoreStrategic or Co-development Partner · 15 October 2025USTrustHomeLoans.com officially joined the AAA Capital Funding family through the Office of Housing partnership announcement. This integration extends Florida citizens' access to personalized mortgage services and expands AAA Capital Funding's market presence through acquisition of the US Trust Home Loans brand.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Paramount Residential Mortgage Group (PRMG): Large independent mortgage banker/broker offering FHA, VA, Conventional, Jumbo, and non-QM products through retail and wholesale channels. Comparable to AAA as a multi-channel residential mortgage provider serving diverse borrower profiles, though at substantially greater scale.
• AnnieMac Home Mortgage: Independent mortgage lender/broker offering conventional, government, and non-QM products across multiple states. Comparable to AAA as a non-bank residential mortgage provider with broad product menus and broker/retail origination channels.

Broad incumbents

• Rocket Mortgage: Largest US mortgage lender, offering conventional, government, and jumbo products primarily through direct-to-consumer digital channels. Comparable to AAA in core mortgage origination activity but operates at vastly greater scale with a technology-led, call-center model that contrasts with AAA's personal-service positioning.
• loanDepot: One of the largest non-bank US mortgage lenders offering retail, wholesale (LDWholesale), and consumer direct channels across conventional, government, and HELOC products. Broadly comparable to AAA in product menu and borrower segments, though at national scale.
• Better.com: Digital-first direct mortgage lender offering conventional and government loans through a fully online experience. Comparable to AAA as a US mortgage originator but competes on speed and digital UX versus AAA's personal-service approach.
• NewRez (New Residential Mortgage): National mortgage lender and servicer offering retail, wholesale, and correspondent channels across conventional, government, and non-QM products. Comparable to AAA in serving complex borrower profiles through diversified channels.
• Guild Mortgage: National mortgage lender with strong first-time homebuyer focus, offering FHA, VA, Conventional, and specialized programs across retail branches. Comparable to AAA in borrower-segment focus (first-time buyers, government loans) though at branch-network scale.
• Caliber Home Loans: National mortgage originator and servicer offering conventional, government, and non-QM products across retail and wholesale. Comparable to AAA in targeting borrowers that standard underwriting may reject.
• United Wholesale Mortgage (UWM): Largest US wholesale mortgage lender, operating exclusively through the broker channel. Directly comparable to AAA's wholesale-channel dependence as the upstream counterparty whose pricing and program availability determine broker economics.
• CrossCountry Mortgage: National retail and wholesale mortgage lender offering a full suite of conventional, government, jumbo, and non-QM products. Comparable to AAA in product breadth and broker/retail hybrid model, though operating nationally rather than Florida-focused.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/aaa-capital-funding
• Xx.com/aaa_capitalfund
• Facebookfacebook.com/aaaCapitalFunding

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AAA Capital Funding