Last updated: July 22, 2026
Please read these Terms of Service ("Terms", "Terms of Service") carefully before using the x2mortgage.com website (the "Service") operated by X2 Mortgage, LLC ("us", "we", or "our").
Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service. By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the Terms, then you do not have permission to access the Service.
X2 Mortgage is a licensed mortgage broker. The Service provides general information about mortgage loan products, our team, our company, and tools such as calculators and rate/prequalification forms. Nothing on the Service constitutes a loan commitment, a guarantee of approval, or an offer to enter into an agreement to lend. All loan applications are subject to credit approval, underwriting guidelines, and applicable law.
You agree to use the Service only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of the Service by, any third party.
By submitting a form, requesting information, applying for pre-qualification, subscribing to notifications, or otherwise providing your contact information through the Service, you consent to be contacted by X2 Mortgage and its loan officers by telephone, text message (SMS), and/or email regarding your inquiry, application, or account, including through the use of an automatic telephone dialing system or prerecorded/artificial voice where applicable.
Message frequency may vary. Message and data rates may apply. You may opt out of SMS communications at any time by replying "STOP" to any text message you receive from us, or by contacting us using the information in the "Contact Us" section below. You may opt out of promotional email communications by using the unsubscribe link included in those emails. Opting out of marketing communications does not affect communications that are necessary to service an active loan application or account.
Consent to receive text messages or calls is not required as a condition of purchasing any property, good, or service.
The Service and its original content, features, branding, and functionality are and will remain the exclusive property of X2 Mortgage, LLC and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of X2 Mortgage, LLC.
You may view, download, and print content from the Service for your own personal, non-commercial use, provided you keep all copyright and other proprietary notices intact. You may not reproduce, distribute, modify, or create derivative works from any content on the Service without our prior written permission.
Our Service may contain links to third-party websites or services that are not owned or controlled by X2 Mortgage, LLC, including lender portals, application platforms, and social media pages. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any such content, goods, or services available through any such third-party site.
We strongly advise you to read the terms and conditions and privacy policy of any third-party website that you visit.
Information provided through the Service, including rate estimates, calculators, blog articles, and educational content, is provided for general informational purposes only and does not constitute financial, legal, or tax advice. You should consult with a qualified professional regarding your specific situation before making any financial decisions. Rates, terms, and programs referenced on the Service are subject to change without notice and are not guaranteed until locked in writing by a licensed loan officer.
The Service is provided on an "AS IS" and "AS AVAILABLE" basis. Use of the Service is at your own risk. To the maximum extent permitted by applicable law, the Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.
X2 Mortgage, LLC does not warrant that the Service will function uninterrupted, secure, or available at any particular time or location, or that any errors or defects will be corrected.
To the fullest extent permitted by applicable law, in no event shall X2 Mortgage, LLC, nor its directors, employees, partners, agents, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of, or inability to access or use, the Service.
You agree to defend, indemnify, and hold harmless X2 Mortgage, LLC and its licensees and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of and access to the Service, or your violation of these Terms.
These Terms shall be governed and construed in accordance with the laws of the State of Arizona, United States, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Maricopa County, Arizona.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide notice prior to any new terms taking effect, such as by updating the "Last updated" date at the top of this page. By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised Terms.
If you have any questions about these Terms, please contact us:
X2 Mortgage, LLC
145 E Chilton Dr
Chandler, AZ 85225
Phone: (480) 992-4200