Strategic Lending

Turn Your Pre-Approval Into
A Competitive Weapon.

In Northern Virginia's market, a generic pre-qualification letter is not enough. You need a Fully Underwritten Approval that performs like cash. Arslan Jamil and Ken Byrne combine market speed with lending power to ensure your offer stands out.

24h
Underwriting Speed
14 Day
Closing Capability
100%
Pre-Approval Reliability

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.

Arslan Jamil

Loan Officer | 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

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

Advanced Financing Strategies

In a shifting market, the interest rate is only one variable. We use advanced loan structures to lower your monthly payment and increase your purchasing power in Loudoun and Fairfax Counties.

🛡️

The "Cash-Like" Approval

Most lenders only offer a "Pre-Qualification." We provide a Fully Underwritten Pre-Approval. This means an underwriter has already signed off on your income and assets, allowing us to waive financing contingencies and close in as little as 14 days—making your offer as strong as cash.

📉

2-1 Rate Buydowns

Worried about current rates? We can structure a Temporary Rate Buydown, paid for by the seller concessions we negotiate. This can lower your interest rate by 2% in the first year and 1% in the second year, saving you hundreds per month while you settle in.

🇺🇸

VA Loan Expertise

Northern Virginia has a high concentration of veterans, yet many agents misunderstand the VA product. We specialize in 0% Down VA Loans with no mortgage insurance. We know how to navigate VA appraisals and residual income requirements to get our military clients to the closing table.

🏛️

Jumbo & High-Balance

For homes in Great Falls, McLean, and Ashburn exceeding conforming limits, we offer competitive Jumbo Loan products. We have access to portfolio lenders who offer flexibility on debt-to-income ratios for high-net-worth individuals and business owners.

🏠 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.

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

};