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How can we help reach your goals?
Grab Cash Out Use the equity in your home for a remodel, to pay down debt, or maybe to even buy your dream home. Tap Into My Equity
Reduce Payment Save money each month by lowering your rate, removing mortgage insurance, or shifting to a better program. Save Me Money
Pay Off Loan Faster Refinance to shave years off the life of your loan. Plus, shortening your term gets you access to lower rates. Shorten My Loan Term

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 Your Goals

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

Then We’ll Get You Some Numbers

Let’s dive in by looking at monthly payment estimates on different refinance options to ensure you’re not only comfortable, but happy with the outcome.

Now it’s Time To Lock In and Get Going

It’s gametime. You’re ready to get underway and get this done. This when X2 will get your disclosures out and your refinance into underwriting.

You Did It!

You’re off to the signing table as your financial situation has improved through a quick and painless process. Way to take initiative!

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Trusted in the community.

When it comes to refinancing the real estate you own, you need a reputable company that you and your family can trust.
Your Best Interest in Mind Most mortgage companies are notorious for charging high fees and points when it comes to a refinance. This is mainly due to the amount of equity you, the homeowner, typically has. At X2 Mortgage, we work to be transparent by providing guidance on what will be the best financial decision for you – even if that means a refinance isn’t in the cards right now. A happy homeowner is more important to us than closed loan.

Understand the process.

Take advantage of our knowledge center to learn as much about refinancing a home as possible.
Mortgage Pre Approval VS Pre Qualification KNOW MORE >
Construction Loans: How They Work and What You Need to Know KNOW MORE >
Debt Coverage Service Ratio Loans (DSCR): The Requirements and Application Process KNOW MORE >

Let's Get You Started

Grab Cash Out
Reduce Payment
Pay Off Loan Faster
Single Family Home


Multi-Family Home

Manufactured or Mobile Home
Under 500
500 - 580
580 - 660
660 - 720