JB Financing: Home Loans Across Seven States
Your Home Loan, Handled.
Two Teams. One Purpose.
JB Financing brings homebuyers together with the Ken Byrne Team at ALCOVA Mortgage and the Jamil Brothers Realty Team, putting mortgage and real estate expertise on the same side of the table.
The Ken Byrne Team at ALCOVA Mortgage brings more than $1.5 billion in funded loans and 34+ years of mortgage experience. Arslan Jamil, Real Estate Agent and Loan Officer on the Ken Byrne Team, combines both sides to help clients navigate financing from application through closing. Trisha Cooper, Loan Officer and Team Operations Lead, keeps each loan organized, moving forward and on schedule.
Whether you are buying your first home, moving up, investing or refinancing, you are working with an experienced mortgage team working across Virginia, Maryland, Washington DC, West Virginia, North Carolina, South Carolina and Florida, people who understand both the financing and the real estate side of the transaction.
ALCOVA Mortgage LLC | NMLS ID# 40508 | Ken Byrne NMLS ID# 187129 | Arslan Jamil NMLS ID# 2681786
Licensed in VA, DC, MD, NC, SC, FL, WV | 4443 Brookfield Corporate Dr. Ste 105, Chantilly, VA 20151
nmlsconsumeraccess.org | Equal Housing Lender
Loan Programs We Offer
Home loans come in more shapes than most buyers expect. Whether you are buying your first home, moving up, 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 where the rules change: transfer and recordation taxes that differ by jurisdiction, DC condo approval requirements, Maryland's first time buyer transfer tax break, and the county by county assistance programs you will not find in a national lender's app.
In a competitive DMV market, a slow lender loses homes. With $1.5 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.
Where We Lend
Licensed in seven states, with one team handling the file from application to closing. Each market has its own transfer taxes, assistance programs and closing customs, and we work in all of them every week.
From Ashburn new builds to McLean estates. Virginia Housing's Down Payment Assistance Grant covers 2% to 2.5% of the sales price and never has to be repaid.
DC offers some of the most generous buyer programs in the nation, including HPAP with up to $202,000 in gap financing and DC Open Doors forgivable loans.
Maryland's SmartBuy 3.0 pays off up to 15% of the purchase price, maximum $25,000, in student debt at closing. Combined with MMP down payment assistance, buyers save thousands more.
Affordable living within commuting distance of DC. WVHDF's Homeownership Program finances up to 100% of the purchase price, and its Low Down Home Loan adds up to $12,000 in down payment and closing cost assistance.
Raleigh to Charlotte to the coast. The NC Home Advantage Mortgage pairs an NCHFA loan with down payment assistance that is forgiven from year eleven, not on day one.
Charleston to Greenville to the Grand Strand. SC Housing's Palmetto Home Advantage carries down payment assistance, and the owner occupant assessment ratio decides what you pay in property tax.
Miami-Dade to the Keys. Florida Hometown Heroes serves frontline and essential workers, and Florida Assist adds down payment help on top of your first mortgage.
Not sure which programs you qualify for? Every state has hidden savings most lenders don't mention. Let us find yours.
Call (571) 621-5413 and We'll Walk You Through ItLoan Officers Who Answer Their Own Phone
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 34 years 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%, with 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 for Homebuyers
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 GuideBefore You Choose a Lender
Questions Buyers Ask Before Choosing a Lender
What should I compare when choosing a mortgage lender?
Compare four things on identical terms: the rate and the APR together, the lender fees in Section A of the Loan Estimate, how quickly the lender can close, and whether you can reach the person who is actually handling your file. Two lenders quoting the same rate can be thousands of dollars apart on fees, and only the Loan Estimate shows it. Ask for one from every lender you are considering and put them side by side.
Is Ken Byrne Team a mortgage broker or a mortgage lender?
Both, by license. ALCOVA Mortgage holds lender and broker licenses in Virginia and West Virginia and is licensed in Maryland and Washington DC. Every loan is originated by Ken Byrne, NMLS ID# 187129, at ALCOVA Mortgage LLC, NMLS ID# 40508.
Which states do you lend in?
Virginia, Maryland, Washington DC and West Virginia, plus North Carolina, South Carolina and Florida, with the same team and the same process in each. That matters in this region because buyers routinely shop across a state line, and the transfer taxes, first time buyer programs and closing customs change the moment they do. See our guides to closing costs in Virginia, DC and Maryland and closing costs in West Virginia.
How fast can you close on a home in Fairfax County?
Our office is in Chantilly, in Fairfax County, and we have closed purchases in as few as 8 days when the buyer is pre-approved and the file is complete. Most of our clients close in 21 days or less. The biggest variable is how quickly documents come in, which is why we tell you exactly what we need on day one. Start with a quick affordability check or call (571) 621-5413.