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How far along are you in the process?

To purchase a home in Chandler or anywhere in Arizona, you need a mortgage company on your side that makes the process fast and easy.

X2 Mortgage is reinventing the way mortgages are done, using the latest technology to streamline the home buying process.
I have a home in contract, I’m ready now No time to waste! Contact us today to get a personalized quote in seconds and to get your mortgage underway. Experience the X2 Difference
I want to start shopping for homes to buy To begin the house hunt, you need an approval letter. Apply online and a mortgage expert will reach out once complete. Start My Approval
I’m just getting prepared for the future Let’s make sure you’re on the right path to homeownership. Contact us today to see what you can afford.

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Our Mortgage Products

So that every AZ homebuyer can find what they need, we offer a wide array of home loan products:
CONVENTIONAL A conventional mortgage is a home loan without backing from a government agency. If it is eligible for purchase by Fannie Mae and Freddie Mac within their conforming loan limits, it is also a conforming mortgage. Learn more
JUMBO Loans that exceed the conforming loan limits are classified as non-conforming loans, or “jumbo” loans. Use this type of mortgage to borrow more toward a larger home purchase.

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FHA With an FHA mortgage, you can purchase a home with a low down payment, affordable rates and easy credit qualifications. The Federal Housing Administration (FHA) backs this mortgage.

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VA A VA mortgage is a home loan backed by the Department of Veterans Affairs. It is among the most competitive products for home purchase with zero down payment, no PMI, affordable rates and easy credit qualifications. Learn more
USDA A USDA home loan backed by the US Department of Agriculture offers you the possibility of moving into a rural home in Arizona with no down payment. To qualify, you must fit the income bracket. Credit qualifications are relaxed. Learn more
SELF EMPLOYED Self-employed homebuyers can use bank statements to verify their income during the loan process instead of a W-2 form.

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MANUFACTURED HOME LOANS We offer a specialized loan product to finance the purchase of a manufactured home.

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LAND LOANS If you buy land rather than an existing house because you want to build from scratch, you’ll probably need a land loan. This type of loan can be used to finance your purchase of a lot of land, whether for residential or business purposes. Learn more
BRIDGE LOANS A bridge loan is a short-term financing product that acts as a “bridge” when you are moving from one home to another. This type of loan is secured by your existing home, and features a rapid underwriting process so you can qualify quickly. Learn more
RENOVATION LOANS There may come a time when you need to finance repairs and upgrades to your home. You might also be in a situation where you are purchasing a new home that happens to be a fixer-upper.

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A complex process, simplified.

Obtaining a mortgage is incredibly complicated with all the documentation, compliance, auditing, and signoffs required. That’s our problem though. Here’s how simple we make it.

Start By Learning About You

Everyone is different which is why we spend time understanding every detail about your financial situation and home buying goals to provide the best solution possible.

Then We’ll Calculate Your Price Range

Let’s dive in and review documentation on credit, employment history, income, savings, liabilities, etc. to determine exactly what you can qualify for.

Now it’s Time To Go Shopping for Real

It’s gametime. You have a letter from us to attach on your offers. This will show sellers that you’ve done your due diligence and that X2 Mortgage is backing your offer.

Best Part – Closing Time!

Once under contract on a home, we’ll work diligently together to get you to the closing table and into your new home as quickly and as stress free as possible.

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Trusted in the community.

When it comes to submitting an offer on your dream home, you need a reputable company that local real estate agents and sellers can trust.
Let's Get Your Offer Accepted 9 out of 10 real estate agents prefer reaching out to a cell phone vs a toll-free number. That's why the lender in your corner is a major competitive advantage in winning the home of your dreams. At X2 Mortgage, we work daily with major industry leaders to instill confidence with our approval letters.

Understand the process.

Take advantage of our knowledge center to learn as much about purchasing a home as possible.
Debt Coverage Service Ratio Loans (DSCR): The Requirements and Application Process KNOW MORE >
Everything You Need to Know About Reverse Mortgages KNOW MORE >
A Guide for Home Equity Loans and HELOCs KNOW MORE >

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X2 Mortgage

Let's Get You Started

Single Family Home


Multi-Family Home

Manufactured or Mobile Home
Under Contract
Want to Make
an Offer ASAP
Within the Next
30-90 Days
Longer than
90 Days


Under $150,000