So that every AZ homebuyer can find what they need, we offer a wide array of home loan products:
CONVENTIONALA 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
JUMBOLoans 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.
VAA 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
USDAA 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 EMPLOYEDSelf-employed homebuyers can use bank statements to verify their income during the loan process instead of a W-2 form.
LAND LOANSIf 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 LOANSA 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 LOANSThere 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.
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.
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 Accepted9 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 ProcessKNOW MORE >
Everything You Need to Know About Reverse MortgagesKNOW MORE >
A Guide for Home Equity Loans and HELOCsKNOW MORE >