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But you keep running into a wall?
Your business is thriving… but the bank still says “no.”
Your CPA saves you money on taxes, but it kills your mortgage approval.
You’re ready for a million-dollar home, but you keep running into what seems like an unsurmountable wall.
Receive your approval within 48 hours not weeks.
Whether it’s a starter investment or a dream home, I’ve got you covered.
Keep more of your cash working in your business while still buying big.
You don’t need “perfect credit” to qualify.
Up to 55% DTI in some cases, so write-offs and reinvestments won’t block your approval.
Use your personal or business bank statements instead of tax returns.
Turn your savings and investments into qualifying income.
Use a simple profit & loss statement — no tax returns required.
U.S. citizens, permanent residents, foreign nationals, and even business entities (LLCs, Partnerships, Trusts) can qualify.
No matter how your business or income is structured, I can find a way to say YES.
Get StartedYou didn’t build your empire to be told where you can and can’t live.
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Why Work with us?
We simplify your mortgage application processes. People trust you with the services you provide, you can trust us to get you the loan amount you need.
I’m Graham Pruitt with Alcova Mortgage.
I’ve closed over $400,000,000 in deals and helped more than 500 clients get into homes that big banks said they “couldn’t afford.”
I specialize in helping entrepreneurs, investors, and high-net-worth clients get the YES they deserve.
500+
$20.2Million
15
The Problem With Traditional Lending
Successful entrepreneurs with multi-six figures and multi-million dollar businesses often have low personal income on paper. Traditional lenders miss the real story of your success.
Traditional Lending Problems
Underwriter underaapreciate your success
They judge your tax return only
Seasonal businesses get punished
Complex finances get ignored
Our Creative Lending Solutions
Bank statement and revenue analysis - No tax Reruns Needed
Asset based lending options
Business performance evaluation
Fast, flexible approval process
What our clients say about us!
Perfect!
Graham was always available when we had any questions or concerns and that made the home buying process very smooth.
Manassas, VA
Great!
Graham was wonderful to work with, making the loan and buying process easy. Great communicator ensuring everything was explained. He made it so simple and got things done. I appreciate him and Alcova team. Thanks, Graham!
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Woodbridge, VA
Best platform!
When nothing seemed possible, or when there was honeslty no hope in us getting into a home... Along Came Graham. Words can not express how grateful we are that the team made this happen. Thank You very much.
Greenbelt, MD
Amazing!
Graham was exceptional throughout the entire mortgage process. He was always available, responsive, and never made us wait for answers, no matter how many times we changed our minds or wanted to explore alternative scenarios. Graham and his team provided constant support, keeping us well-informed and reassured every step of the way. Thanks to their dedication and professionalism, I always felt confident and supported. Highly recommend Graham for anyone navigating the mortgage journey!
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South Riding, VA
Our working process
Connect With Graham
You reach out — call or fill out the form. An honest conversation of what your goals are. We review your business, bank statements, and goals. No judgment, no hassle — just a clear path forward.
Tailored Mortgage Plan
Graham structures a program built for your situation.
And finds the solution that works.
We get you a pre-approval letter
With approval secured, you can finally go forward with your home buying journey.
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Get Started!
Quick Facts
No personal tax returns required
Loans up to $3.5Million available
48-hour Approval Process
Asset-based lending Options
Business-Focused evaluation
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Frequently Asked Questions? 🙋🏽♂️
Correct. Instead of tax returns, we can use 12 months of personal or business bank statements, 1099s, P&L statements, or even your assets to qualify you.
We offer financing up to $3.5 million. Minimum loan size is $100k.
Yes. Programs are available starting at a 660 FICO score
We work with:
U.S. Citizens
Permanent Residents
Non-Permanent Residents
Foreign Nationals
Business entities like LLCs, Partnerships, and Trusts
Yes. These programs cover primary residences, second homes, and investment properties. Investor-friendly options include interest-only loans and DSCR programs.
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Call Us:
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Email Us:
grahampruitt@gmail.com