As Florida’s Housing Market Corrects, AAA Capital Funding President Jason J. Sarji Highlights New Opportunities for Homebuyers
Florida’s housing market is entering a pivotal transition. After several years of soaring home prices driven by pandemic-era demand and limited inventory, conditions are now beginning to rebalance. For many buyers who felt locked out of the market, the shift represents an important window of opportunity—provided they understand how to navigate today’s financing landscape.
This is the message from longtime mortgage expert Jason J. Sarji, President of AAA Capital Funding, Inc. (NMLS #374739), who has spent nearly three decades guiding Florida borrowers through fluctuating economic cycles. Sarji founded the Fort Lauderdale-based mortgage firm in 1997 and has since helped thousands of Floridians secure home financing even during periods of market volatility.
Recent data from Berkshire Hathaway HomeServices underscores the significant shifts underway. Of the ten U.S. metros with the steepest year-over-year home price declines, seven are in Florida. Markets such as Punta Gorda and Cape Coral have seen price drops of 12% and 10%, respectively—an early signal that the state is moving away from the overheated conditions that dominated the last several years.
A Market Correction Creating Opportunity
According to Sarji, these moderating prices should not alarm buyers but instead inspire thoughtful action.
“Experience matters in times like these,” Sarji emphasizes. “Having worked in this industry for almost 30 years, I’ve seen many cycles. What we’re experiencing now is a healthy correction. It’s opening doors for buyers who were previously priced out—but only if they understand how to structure their financing properly.”
National housing inventory has now increased for 22 consecutive months, and mortgage rates have begun inching downward. As of early November, the 30-year fixed mortgage rate averaged 6.32%, according to the Mortgage Research Network. While still higher than the historic lows seen in 2020 and 2021, rates in the low-6% range have already improved purchasing power for many buyers.
Yet Sarji notes that a large portion of buyers are waiting for the “perfect moment,” expecting rates to drop significantly more or for prices to fall even further.
“The buyers who win are the ones who act when conditions improve—not those who wait for ideal circumstances that may never come,” he explains. “Historically, timing the market has never worked as well as acting strategically when opportunities arise.”
Helping Creditworthy Buyers Other Lenders Decline
AAA Capital Funding has established a reputation for helping borrowers who are unjustly turned down by traditional lenders. Sarji attributes this trend to increasing industry automation, which has eliminated nuance from lending decisions.
“The mortgage industry has become too automated,” he says. “Automated underwriting systems often overlook the real story behind a borrower’s profile. Hardworking Floridians—whether they’re self-employed, recovering from past credit issues, or dealing with unique financial circumstances—can get declined even when they clearly have the ability to repay.”
Sarji estimates that 75% to 80% of AAA Capital Funding’s clients are individuals who were previously denied by another lender or broker. Many approach the firm believing they have no options left, only to discover that strategic, experience-driven underwriting can unlock a path to approval.
“We encourage anyone who feels uncertain or has been turned down elsewhere to reach out,” Sarji adds. “Most buyers don’t realize how many options truly exist until someone takes the time to look at the full picture.”
Strategic Loan Programs Designed for Floridians
AAA Capital Funding offers a wide range of mortgage programs tailored to diverse borrower needs. These include:
- FHA loans with down payments as low as 3.5%
- VA loans offering zero down payment for eligible veterans and active-duty military
- Conventional loans for qualified buyers
- Florida Hometown Heroes down payment assistance for educators, healthcare professionals, first responders, and military personnel
- Flexible underwriting solutions that accommodate real-life financial situations
- Zero-point and zero-fee loan options designed to reduce upfront costs
To further support families, AAA Capital Funding also operates a Homebuyers Outreach Program, offering incentives such as cash back at closing to help offset expenses.
A Stand Against Predatory Fees and Pressure Tactics
Sarji emphasizes that not all lenders operate with the same ethical standards. Over the past few years, aggressive sales tactics, high-pressure closings, and excessive fee structures have become more common in Florida’s competitive market.
“Some lenders charge unconscionable fees, then pressure clients to close quickly so they don’t realize how much they’re overpaying,” Sarji says. “We built AAA Capital Funding on the opposite philosophy—lower rates, no hidden fees, and absolutely no high-pressure tactics.”
By maintaining strong wholesale lender relationships and avoiding unnecessary restrictions, the firm can offer competitive terms that many brokers cannot match. These relationships, developed over almost three decades, enable access to more flexible programs and better pricing for clients.
Trusted, Ethical, and Experienced
AAA Capital Funding holds an A+ rating from the Better Business Bureau and maintains a 4.9-star rating on Google, reflecting long-standing customer satisfaction. The company operates under NMLS #374739, with Sarji personally licensed as NMLS #374700.
“This is a moment for buyers to be informed and strategic,” Sarji concludes. “Inventory is improving, prices are leveling, and financing programs are more flexible than many people realize. With the right guidance, this market can be a turning point for thousands of Florida homebuyers.”
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