Private Lending

Strategic Financing for Discerning Buyers.

In Northern Virginia's luxury market, the right lending strategy is the difference between winning and losing. We structure financing that moves fast, closes clean, and gives you the edge.

Start Application Meet the Team
24h Underwriting Speed
14 Day Closing Capability
100% Client Satisfaction
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Why It Matters

The Strategic Edge.

Most buyers work with a lender who is reactive. We are proactive. By integrating the lending strategy with the real estate negotiation, we create offers that sellers are afraid to say "no" to.

Your Financing Team

Meet Your Advantage.

Two specialists working together to make your offer the strongest on the table.

Arslan Jamil
Lead Loan Officer

Arslan Jamil

Loan Officer & Licensed Agent

NMLS ID# 2681786

The "Dual Threat" Advantage. As both a licensed Loan Officer and Real Estate Agent, Arslan understands exactly how financing impacts your offer's strength. He structures loans not just to close, but to win the bidding war.

  • Custom Rate Buy-Down Strategies
  • Investment Property ROI Analysis
  • Seamless Agent-Lender Communication
Start App with Arslan
Ken Byrne
Branch Partner

Ken Byrne

Branch Partner & Team Lead

NMLS ID# 187129

The Scale & Speed. Leading one of the top producing teams at ALCOVA Mortgage, Ken brings 20+ years of underwriting authority. His team ensures 24-hour turn times on pre-approvals and the ability to close in as little as 14 days.

  • Fully Underwritten Approvals
  • Complex Income Structures
  • Jumbo & VA Loan Authority
Meet The Ken Byrne Team
What We Offer

Advanced Financing Strategies

The interest rate is only one variable. We deploy advanced loan structures tailored to high-value transactions across Loudoun and Fairfax Counties.

White-Glove Underwriting

Your financing is fully underwritten before you make an offer — income, assets, and credit already verified. This allows us to waive contingencies and close in as little as 14 days, giving your offer the weight of cash.

Custom Rate Structuring

We engineer tailored rate structures using seller concessions and strategic buydowns to optimize your monthly position — whether you're acquiring a primary residence or adding to your portfolio.

Military & Executive Lending

For senior officers and executives in the Northern Virginia corridor, we specialize in 0% down VA products with no mortgage insurance — structured to maximize purchasing power without tying up capital.

Jumbo & Portfolio Solutions

For properties in Great Falls, McLean, and Ashburn exceeding conforming limits, we work with portfolio lenders who offer flexible underwriting for high-net-worth individuals, business owners, and complex income profiles.

Ready to Secure Your Financing?

Start Application

Ready to buy? Complete the secure digital application on the ALCOVA portal to get your pre-approval started.

Apply Securely

Discuss Scenarios

Not ready to apply? Schedule a strategy call to discuss interest rates, monthly payments, and loan types.

Talk to Arslan
Equal Housing Lender

Arslan Jamil | Loan Officer | NMLS ID# 2681786
Ken Byrne | Branch Partner | NMLS ID# 187129

ALCOVA Mortgage LLC | NMLS ID# 40508 | www.nmlsconsumeraccess.org
Licensed in AL, AR, CO, DC, FL, GA, IL, IN, KY, LA, MD, MI, MO, NC, NJ, OH, OK, PA, SC, TN, TX, UT, VA, WA, WV.
Corporate Address: 308 Market Street SE, Roanoke, VA 24011.

Jamil Realty and Samson Properties are separate entities from ALCOVA Mortgage LLC.