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Lock in low, wholesale interest rates on a personalized mortgage with no lender fees. I'm Purchasing   I'm Refinancing







A Modern Way
to Mortgage

Our technology tailors to your needs and integrates seamlessly with our industry experts.

No Fees

Zero origination fees on all loans.

Lower Rates

Less overhead allows for smaller margins.

Better Service

Personal cell #'s to our mortgage experts.

How it Works

Time to bring transparency to the mortgage industry.
Small Company Margins Little profits go a long way here. Big banks and retail lenders have massive expenses meaning you, the consumer, pay for it. Our technology keeps us small and nimble allowing for more flexibility.
One Stop Shop One credit check, several options. When you apply, we're able to shop out your scenario with 40+ partners to see who is the most aggressively priced for your specific financial situation.
Truly No Fees Our partners pay us, so you don't have to. We don't earn money when you make your mortgage payment, our partners do. That means they pay us a referral fee to orginate your loan. In turn, cheaply growing their business.

You get wholesale pricing, we earn your business, and our partners build their portfolios.

Close Faster

Averaging 24 days from start to funding means you have a competitive advantage when purchasing, plus a hassle-free experience when refinancing. See All Loan Programs >
Buying Get a specialized Pre-Approval letter that local realtors and sellers can trust.
Refinancing Reach your goals to lower payment, take cash out, or expediate your payoff.
See All Loan Programs >

Solutions for
Unique Scenarios

Programs for those who don't fix the box.
X2 Partnerships Let us do the shopping to not only get you the best priced mortgage, but a second chance when others say no.
40+ Investors
3 States
100+ Programs
Learn more >
Mortgage Minute X2's industry experts share insights on what's currently happening in the industry. Watch Now >
Current Industry Rates Quickly price out your specific loan scenario with our online estimator tool. X2 Pricer Tool >

Our Customers' Referrals
Built X2 Mortgage

Nicole C. Client, New Homeowner
This was my second time trying to buy a house as it didn't work out with a previous lender. X2 walked me through each step keeping me updated the entire way. I highly recommended Shawn and the X2 Mortgage team to anyone who needs a lender!!
Doug M. Client, Investor
X2 Mortgage is creative in finding solutions for the best loan possible, which is super important if your financial profile doesn't fit the usual mold. You can't go wrong with them. I would give 6 stars instead of 5 if I could: 110% recommended!
Shane & Rachel E. Realtors, AZ
We have been referring our clients to Shawn at X2 and even bring our personal mortgage needs his way! Communication is unmatched when it comes to the mortgage process and we're confident in the continued level of service that is given.
Robert F. Client, Retired Homeowner
The team at X2 Mortgage was super responsive and answered all my questions. Plus, I got a great rate for cheap! I love how they stayed on top of things to make sure the loan went through in a timely fashion. Highly recommend.
Steve P. Real Estate Broker, AZ/TX
The technology and level of communication that this company brings is no joke. It's a night and day difference. We put full trust in X2 Mortgage to not only close on time, but to keep everyone well informed throughout the home buying process.
Lanae B. Client, Homeowner
I couldn't believe how insanely timely not only refinancing my condo was, but then immediately closing on my new home purchase. I can't say enough good things. 1000% recommend X2 Mortgage for anyone needing an amazing mortgage lender!

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