Office of Housing

What Office of Housing does

Office of Housing (OfficeOfHousing.com) is an educational resource platform operated by AAA Capital Funding, Inc., a Florida-licensed mortgage brokerage (NMLS ID 374739) founded in 1997 and headquartered at 3000 N Federal Hwy, Suite 7, Fort Lauderdale. The platform provides free, unbiased mortgage and homeownership education to Florida residents, including first-time homebuyers, current homeowners seeking refinancing, real estate investors (via DSCR and Non-QM products), and Florida essential workers (via the Hometown Heroes program). Content is sourced from official government documents (HUD, VA, Federal Reserve) and is designed to be lender-neutral so consumers can vet any loan offer. The site's authoritative voice is reinforced by explicit NMLS disclosure (Company ID 374739, individual officer Jason J. Sarji ID 374700), an Equal Housing Opportunity statement, and links to the NMLS Consumer Access portal.

The platform's core technology is a web-based content site featuring interactive tools including a PITI mortgage calculator, a Florida Homestead Exemption guide with county-by-county e-filing links for all 67 Florida counties, a 500+ term mortgage glossary, and a 100+ question FAQ library. Dedicated loan-program pages cover FHA, Conventional, VA, USDA, Jumbo, Non-QM, and DSCR products. The site is structured as a top-of-funnel content marketing asset that captures Florida-specific organic search demand and routes qualified borrower inquiries to AAA Capital Funding's mortgage origination services via phone (888-601-8344), email ([email protected], [email protected]), and a co-branded mortgage application portal at aaacapitalfunding.com.

The business model is hybrid: the educational site is a free, publicly available resource that operates as a marketing and lead-generation channel, while underlying revenue is generated by AAA Capital Funding, Inc. through residential mortgage origination and brokerage activity in Florida. The company is privately held, owner-operated by President/CEO Jason J. Sarji (President since 1998), with no disclosed institutional investors or external funding. In October 2025, US Trust Home Loans, Inc. joined the AAA Capital Funding family as an affiliated brand, expanding Florida market presence, and AAA Capital Funding was simultaneously designated as the Official Florida Mortgage Partner powering OfficeOfHousing.com.

Name

Office of Housing

Legal name

AAA Capital Funding, Inc.

Website

https://officeofhousing.com

Company type

Private

Founded year

1997

Operating status

Operating

Short description

Office of Housing (OfficeOfHousing.com) is a Florida-focused mortgage education platform operated by AAA Capital Funding, Inc. (NMLS 374739), providing free, unbiased loan-program guidance, interactive tools, and resources to first-time homebuyers, current homeowners, real estate investors, and essential workers across the state.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Educational Support Services (611710)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163), Services-Educational Services (8200)

akta.pro primary industry

Homeownership & Housing Finance (Renting, Mortgages, Refinancing) (EDAAAJAJ)

akta.pro secondary industries

Government-Insured Mortgage Origination (FHA/VA/USDA) (FSALAAAI), Mortgage Revenue Bond (MRB) & Public Housing Bond Programs (FSALAKAG), Reverse Mortgage Counseling & Consumer Education (HUD-Approved) (FSALAIAG)

Keywords

• Mortgage education resources
• Residential loan origination
• Mortgage brokerage services
• Homeownership guidance
• Florida housing programs

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. Educational Content Sponsorship: Office of Housing is maintained as a free public educational resource funded through sponsorship by AAA Capital Funding, Inc. The platform generates leads and inquiries that flow to the affiliated mortgage company for loan origination services.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Office of Housing operates a free, web-based educational platform that provides unbiased, government-verified information on mortgages and homeownership to Florida residents. It supports loan program education (FHA, Conventional, VA, USDA, Jumbo, Non-QM, DSCR, and the Florida Hometown Heroes program) and funnels qualified consumers into affiliated mortgage origination services at AAA Capital Funding, Inc. (NMLS ID 374739). The platform pairs educational content with interactive tools such as a PITI mortgage calculator, a Florida Homestead Exemption guide, and an extensive mortgage glossary.

Product overview

Office of Housing operates as an educational resource platform powered by AAA Capital Funding, Inc. (NMLS ID 374739), providing comprehensive mortgage and homeownership guidance to Florida residents since 1997. The platform offers a portfolio of loan programs including FHA, Conventional, VA, USDA, Jumbo, Non-QM, and DSCR loans, plus the Florida Hometown Heroes down payment assistance program. Supporting tools include a mortgage calculator, Florida homestead exemption guide, mortgage glossary, and FAQ library. The company operates from Fort Lauderdale, Florida, under President Jason J. Sarji (NMLS 374700).

Differentiator

Problem solved

Functional benefit

Products and services

• OfficeOfHousing.com Educational Platform Free, web-based educational platform providing unbiased, comprehensive information on mortgages, loan programs, refinancing, and homeownership for Florida residents.
• AAA Capital Funding Mortgage Brokerage Services Residential mortgage brokerage and origination services offered by AAA Capital Funding, Inc. (NMLS ID 374739) to Florida homebuyers, homeowners, and investors, including conventional, government-backed, and non-QM loan products.
• FHA Loans
• Conventional Loans Standard mortgages underwritten to Fannie Mae/Freddie Mac guidelines with removable PMI and favorable long-term costs, designed for Florida borrowers with strong credit profiles.
• VA Loans 100% financing mortgages for eligible veterans and service members with no monthly mortgage insurance, offered through the U.S. Department of Veterans Affairs.
• USDA Loans Zero-down-payment government-guaranteed mortgages for low-to-moderate income buyers purchasing homes in USDA-designated rural areas of Florida.
• Jumbo Loans High-balance mortgages exceeding conforming loan limits for high-value Florida properties, with strict underwriting and reserve requirements.
• Non-QM Loans Non-Qualified Mortgage products including Bank Statement and DSCR loans for self-employed borrowers and real estate investors who cannot meet standard QM documentation.
• DSCR Loans Debt Service Coverage Ratio loans for Florida investment properties that qualify based on the property's cash flow rather than the borrower's personal income.
• Florida Hometown Heroes Program State-backed down payment and closing cost assistance program (up to $35,000) for eligible Florida essential workers, teachers, healthcare professionals, first responders, and veterans.
• Mortgage Payment Calculator Online PITI calculator for estimating monthly mortgage payments including principal, interest, taxes, and insurance for prospective Florida borrowers.
• Florida Homestead Exemption Guide Comprehensive guide to Florida property tax exemptions with county-by-county filing requirements and direct e-filing links for all 67 Florida counties.
• Mortgage and Housing Glossary A-to-Z reference with over 500 defined mortgage, housing, and real estate terms for homebuyers, homeowners, investors, and real estate professionals.
• Mortgage and Housing FAQ Educational resource containing over 100 questions covering mortgages, housing, and related financial law topics for prospective and current Florida homeowners.

Quantifiable outcome

• NMLS ID 374739 (Company) and 374700 (Jason J. Sarji) publicly disclosed and verifiable through official NMLS Consumer Access portal.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• AAA Capital Funding, Inc.coreGTM or Marketing Partner · 15 October 2025Office of Housing announced a partnership with AAA Capital Funding, Inc., designating the Fort Lauderdale-based mortgage company as its Official Florida Mortgage Partner. The collaboration aims to enhance financial literacy and homeownership prospects for Florida residents by providing tailored guidance on conventional, FHA, VA, and state-specific mortgage programs. AAA Capital Funding, Inc. powers and supports the educational resource OfficeOfHousing.com.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bankrate: Financial content and comparison platform with deep mortgage education resources, rate tables, and lender-matching tools. Directly comparable in operating an education-first mortgage hub that monetizes through lender referrals, though at much greater scale.
• LendingTree: Online loan marketplace that connects borrowers with multiple lenders across mortgage, personal, and home equity products. Highly comparable as a lead-generation and consumer education platform with an affiliated/partner lender network, operating a similar content-to-conversion funnel.
• NerdWallet: Consumer finance education and comparison platform covering mortgages, credit cards, and banking products. Comparable in using unbiased, expert-driven content to build trust and monetize through lender referrals, including mortgage-specific content verticals.

Broad incumbents

• Fairway Independent Mortgage: Large national mortgage lender with extensive branch network and educational content for first-time buyers and refinancers. Comparable in offering government-insured and specialty loan products with consumer education focus, though operating at far greater scale.
• loanDepot: National retail and wholesale mortgage lender with substantial digital marketing and educational content for consumers. Comparable in providing mortgage education and a broad suite of loan programs, including government-insured products like FHA and VA.
• Rocket Mortgage: Largest U.S. retail mortgage lender with extensive own-branded educational content, calculators, and AI-driven advice tools. Overlaps with Office of Housing on mortgage education but operates at vastly greater scale and as a direct lender rather than a broker.
• Zillow Home Loans: Integrated real estate and mortgage platform with extensive own-educational content on buying, financing, and refinancing. Comparable in blending consumer education with home loan origination but with significantly broader reach and integrated real estate search.
• Better.com: Digital-first mortgage lender offering streamlined online applications and content marketing for first-time homebuyers. Comparable in combining mortgage education with direct origination, but competes nationally and as a lender rather than a broker.
• Movement Mortgage: Top-10 U.S. retail mortgage lender operating across multiple states with a strong digital presence. Comparable in offering FHA, VA, Conventional, and specialty loan products with consumer-facing educational resources, though at much larger scale.

Emerging players

• The Mortgage Reports: Independent mortgage news, education, and rate-comparison site that generates leads for partner lenders. Highly comparable as a content-first mortgage platform monetizing through lender referrals, but lacking an affiliated in-house brokerage.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 Office of Housing