Your Home Loan, Handled.
Expert Mortgage Lending Across VA, DC, MD & WV
Led by Ken Byrne with over $1.5 billion in funded loans, JB Financing delivers personalized mortgage solutions backed by decades of local market expertise. From first-time homebuyers to seasoned investors — we make financing simple.
ALCOVA Mortgage LLC | NMLS #40508 | Ken Byrne NMLS #187129 | Arslan Jamil NMLS #2681786
Licensed in VA, DC, MD, WV | 4443 Brookfield Corporate Dr. Ste 105, Chantilly, VA 20151
nmlsconsumeraccess.org | Equal Housing Lender
Find the Right Loan for Your Goals
Whether you're buying your first home, upgrading, investing, or refinancing — we match you with the program that saves you the most.
Flexible terms with competitive rates for buyers with solid credit. Available in 15, 20, and 30-year fixed or adjustable options.
Zero down payment, no PMI, and competitive rates reserved for active duty, veterans, and eligible surviving spouses across the DMV.
Government-backed loans with flexible credit requirements and low down payments. Ideal for first-time buyers entering the VA, DC, or MD market.
100% financing for homes in USDA-eligible areas — including parts of Western Loudoun, Fauquier, West Virginia, and rural Maryland.
Financing that exceeds conforming loan limits — essential for Northern Virginia, McLean, Great Falls, and DC luxury purchases.
Rate-and-term refinance, cash-out, VA IRRRL, or FHA Streamline — we find the option that puts the most money back in your pocket.
Not sure which program fits? We'll match you to the right loan in a free, no-obligation consultation — most clients get pre-approved the same day.
A Mortgage Team That Actually Picks Up
Big banks give you call centers. Discount lenders give you an app. We give you direct access to the people handling your loan — every step, every question.
You work directly with Ken Byrne and Arslan Jamil — not a junior processor or an automated phone tree. Text us at 10 PM before your offer deadline. We answer. That's the standard.
We know the difference between Loudoun County loan limits and DC condo approval requirements. Local knowledge means faster closings, fewer surprises, and access to state-specific down payment assistance you'd never find online.
In a competitive DMV market, a slow lender loses homes. With $2 billion+ in funded experience, we underwrite proactively, communicate with listing agents directly, and close on time — or ahead of schedule.
We provide a detailed loan estimate upfront and walk you through every line item. If your numbers change, we explain why before you ever have to ask.
Local Lending Across the Capital Region
Licensed in four states with deep knowledge of each market's loan limits, down payment assistance programs, and unique homebuying opportunities.
From Ashburn new builds to McLean luxury estates. VHDA down payment grants up to $50,000 and Mortgage Credit Certificates for tax savings.
DC offers some of the most generous buyer programs in the nation — including HPAP with up to $202,000 in assistance and DC Open Doors forgivable loans.
Maryland's SmartBuy 2.0 pays off up to $40,000 in student debt at closing. Combined with MMP down payment assistance, buyers save thousands more.
Affordable living within commuting distance to DC. WVHDF offers 100% financing with the lowest rates in the state, plus up to $12,000 in DPA assistance.
Not sure which programs you qualify for? Every state has hidden savings most lenders don't mention. Let us find yours.
Call (571) 242-0301 — We'll Walk You Through ItThe People Behind Your Loan
No call centers. No hand-offs. Our licensed team personally manages every loan from application to closing — and answers when you call.
With over $1.5 billion in funded loans and more than three decades in the mortgage industry, Ken Byrne leads the team with a hands-on approach that prioritizes clear communication, competitive rates, and on-time closings. Based in Chantilly, Virginia, Ken specializes in navigating complex loan scenarios across the entire DMV region — from jumbo purchases in Northern Virginia to first-time buyer programs in DC and West Virginia.
Arslan brings a unique dual perspective as both a licensed loan officer and experienced real estate professional. He guides buyers through financing with firsthand knowledge of what it takes to win in the Northern Virginia market — from structuring competitive offers to navigating appraisals.
Trisha keeps every loan file moving on schedule with precision and proactive communication. As both a licensed loan officer and the team's operations lead, she ensures nothing falls through the cracks — from document collection through clear-to-close.
Real Families. Real Closings.
Don't take our word for it — hear from homeowners across the DMV who trusted JB Financing with the biggest purchase of their lives.
Ken and Trisha helped me close on my first home. I was stressed because I didn't know what to expect in underwriting. They were fantastic in their attentiveness, and when I refinanced I followed them without even shopping around — I knew Ken would offer the best deal. I'm in the mortgage industry myself and this level of service is top notch.
Ken and his team made the entire process simple, smooth, and stress-free. He guided us every step of the way with clear communication and genuine care. We always knew exactly where we stood and never had to chase anyone down for answers. Highly recommend to anyone buying a home in Northern Virginia.
Ken is very knowledgeable and his staff is incredibly responsive. They helped us get our refinance done quickly and painlessly. The whole team was professional, transparent about rates and fees, and made what could have been a stressful process feel easy. We wouldn't go anywhere else for our mortgage needs.
Finance Your Home & Keep Your Equity
Our sister real estate team — The Jamil Brothers — are NVAR Lifetime Top Producers who list homes for just 1.5% commission. Combine both and the savings stack up.
List for 1.5% With The Jamil Brothers.
When you finance through JB Financing, you get preferred access to The Jamil Brothers — a Top 1%, NVAR Lifetime Top Producer team with $500M+ in sales and 840+ homes sold. They deliver full-service luxury marketing at half the traditional listing commission.
Get pre-approved with JB Financing, then use The Jamil Brothers to find and negotiate your next home with Top 1% expertise.
When it's time to sell, list with The Jamil Brothers at 1.5% — full 4K marketing, partner-led negotiation, zero cancellation fees.
Rates drop? Life changes? Come back to JB Financing for a streamlined refinance with a team that already knows your file.
Mortgage Guides & Market Insights
Expert resources to help you make smarter financing decisions — written by real loan officers who close loans in the DMV every week.
Everything you need to know about buying your first home in the DMV — from credit preparation and pre-approval to state-specific down payment assistance programs most lenders don't mention.
Read Guide
Washington DC's Home Purchase Assistance Program is one of the most generous in the nation. Here's exactly who qualifies, how to apply, and how we help our clients navigate the process from start to close.
Read Guide
Living near the Pentagon, Fort Belvoir, or Quantico? VA loans offer 0% down and no PMI — here's how to use your benefit in one of the most competitive housing markets in the country.
Read Guide