AMERICAS SENIOR FINANCIAL SERVICES INC
S-8, EX-23.2, 2000-11-27
MORTGAGE BANKERS & LOAN CORRESPONDENTS
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                                                                    EXHIBIT 23.2

                          INDEPENDENT AUDITORS' CONSENT


We consent to the incorporation by reference in this Registration Statement on
Form S-8 of America's Senior Financial Services, Inc. of our reports, as listed
below, which appear in the December 31, 1999 annual report on Form 10-KSB of
America's Senior Financial Services, Inc.:

1.       Our Independent Auditors' Report dated March 31, 2000 on the 1999 and
         1998 consolidated financial statements of America's Senior Financial
         Services, Inc. and subsidiaries;

2.       Our Independent Auditors' Report dated February 26, 1999 on the 1998
         and 1997 financial statements of Dow Guarantee Corp.; and

3.       Our Independent Auditors' Report dated April 9, 1999 on the 1998
         financial statements of Capital Funding of South Florida, Inc.



/s/ Ahearn, Jasco + Company, P.A.
    -------------------------------
    AHEARN, JASCO + COMPANY, P.A.
    Certified Public Accountants

    Pompano Beach, Florida
    November 21, 2000


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