Terms of Service

Effective Date: October 6, 2026
Website: https://x2mortgage.com
Entity: X2 Mortgage LLC ("Company", "we", "us", or "our")

1. Acceptance of Terms

By accessing or using the website located at https://x2mortgage.com (the "Site"), utilizing our loan qualification tools (including the EZ Qualifier), or opting in to receive communications from X2 Mortgage LLC, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, do not access or use our Site or services.

2. Services Provided & No Commitment to Lend

X2 Mortgage LLC operates as a mortgage brokerage and loan arrangement provider. Our Site provides tools, financial calculators, and qualification estimators designed to assist business owners, self-employed individuals, and homebuyers in evaluating potential mortgage scenarios.

• Estimates Only: Any pre-qualification estimates, max purchase price outputs, or rate quotes provided on the Site or via communication tools are for informational and planning purposes only and do not constitute an offer, pre-approval, rate lock, or commitment to lend.
• Underwriting Approval Required: Final loan approval, interest rates, and loan terms are subject to formal application, verification of financial documents, property appraisal, and credit underwriting.

3. Mobile Messaging & SMS/MMS Terms (A2P 10DLC Compliance)

By providing your phone number to X2 Mortgage LLC via any web form, chat widget, or qualification tool on our Site, you explicitly consent to our Mobile Messaging Program.

A. Program Description & Message Content

When you opt in, you may receive SMS and MMS text messages related to your requested mortgage inquiries, qualification breakdowns, loan application updates, appointment reminders, rate updates, and direct customer support for loan arrangements.

B. Message Frequency

Message frequency varies based on your interaction with our tools and the progress of your loan inquiry.

C. Message and Data Rates

Message and data rates may apply for any messages sent to you from us and to us from you, according to your wireless carrier's pricing plan.

D. How to Opt-Out (Unsubscribe)

You can cancel the SMS service at any time. Text "STOP", "CANCEL", or "UNSUBSCRIBE" to any text message received from X2 Mortgage LLC. After sending "STOP", you will receive a final confirmation message confirming that you have been unsubscribed. No further messages will be sent unless you re-subscribe.

E. How to Get Help

For support or questions regarding our text messaging program, text "HELP" to any text message, email us at support@x2mortgage.com, or call us directly at (480) 992-4200.

F. Carrier Disclaimer

Wireless carriers (including but not limited to AT&T, T-Mobile, Verizon, Sprint, and regional carriers) are not liable for delayed or undelivered messages. Delivery is subject to effective transmission from your network operator.

G. Non-Transferable Consent & Privacy Protection

Mobile information and SMS opt-in consent data will NOT be sold, rented, or shared with third parties or affiliates for marketing or promotional purposes. Consent to receive text messages is not a condition of purchasing any property, service, or obtaining a mortgage loan.

4. Privacy Policy

Your use of our Site and services is also governed by our Privacy Policy, available at https://x2mortgage.com/privacy-policy. Please review our Privacy Policy to understand how we collect, use, and safeguard your personal information.

5. Eligibility & User Responsibilities

• Age Requirement: You must be at least 18 years of age to use this Site and submit information.
• Accuracy of Information: You represent and warrant that all information provided by you in connection with any loan inquiry or qualification form is accurate, complete, and truthful.
• Prohibited Uses: You agree not to use the Site for any unlawful purpose or to submit false or fraudulent inquiries.

6. Mortgage Licensing & Equal Housing Opportunity

• Licensing Disclosures: X2 Mortgage LLC conducts business in accordance with all applicable state and federal mortgage licensing laws. NMLS Licensing details available upon request or visible in site footers.
• Equal Housing Opportunity: X2 Mortgage LLC complies with the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or any other protected class.

7. Intellectual Property

All content, trademarks, logos, design elements, custom software scripts, and mortgage qualification logic on https://x2mortgage.com are the exclusive property of X2 Mortgage LLC. Unauthorized reproduction, modification, or distribution is strictly prohibited.

8. Limitation of Liability

To the fullest extent permitted by applicable law, X2 Mortgage LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your access to or use of, or inability to access or use, the Site, tools, or messaging services.

9. Indemnification

You agree to defend, indemnify, and hold harmless X2 Mortgage LLC against any claims, liabilities, damages, judgments, losses, or expenses arising out of your violation of these Terms or misuse of the Site.

10. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles. Any dispute arising under or in connection with these Terms shall be resolved through binding individual arbitration, and you waive any right to participate in a class-action lawsuit or class-wide arbitration.

11. Contact Information

If you have any questions or concerns regarding these Terms of Service or our services, please contact us:

Company Name: X2 Mortgage LLC
Email: support@x2mortgage.com
Phone: (480) 992-4200
Website: https://x2mortgage.com