X2 Mortgage

X2 Mortgage is a Mortgage Broker in Eloy, AZ, located at 145 E Chilton Dr. The firm serves homebuyers and refinancing clients by shopping multiple wholesale lenders to secure competitive rates. As a local home loan expert, the business focuses on making the mortgage experience fast, easy, and convenient. The team operates with a model that eliminates loan origination fees for the borrower, a structure that allows for smaller margins and lower rates compared to large retail lenders. This approach is supported by a network of more than 40 lending partners, which enables the broker to present various options based on a single credit check.

The company offers a wide array of loan products, including conventional, jumbo, FHA, VA, USDA, and self-employed loans. Additional specialties include HELOCs, IRRRLs, reverse mortgages, construction financing, DSCR loans, down payment assistance, manufactured home loans, bridge loans, non-warrantable condo financing, all-in-one loans, renovation loans, chattel loans, commercial loans, and land loans. The brokerage emphasizes a modern, technology-driven process designed to keep the loan moving forward to a rapid close. Clients are provided with direct cell phone access to their mortgage experts, ensuring personalized service throughout the application and closing stages.

The X2 Mortgage team includes Shawn Malkou as Managing Broker, Brad Crowell as Branch Manager, and a roster of Senior and standard Loan Officers. Staff members include Luke Harding, Vinny Goodrich, Justin Collins, Jake Krabbe, Diane Motz, Ryan Sabia, John Bradley, Zachary Dillard, Roann Santana, Stephen Harris, Hayley Hansen, Susie Sabel, Stephen Wong, Mike Rivas, Brandon Ross, Clayton Holman, and Gene Larrea. The office also employs loan partners Jordan Gray and Kate Wood, along with office administrator Tanner Pratt and business development specialist Kate Wood.

X2 Mortgage holds a 5.00 rating based on customer reviews. The business is known for its fee-free structure and its ability to aggregate offers from numerous wholesale partners to find the most aggressively priced loan for a specific financial situation. By maintaining a small, nimble operation, the firm avoids the high overhead costs typical of big banks, passing the savings directly to the consumer through wholesale pricing.

In Eloy, AZ, X2 Mortgage provides a direct, fee-free path to home financing, combining a broad range of loan types with a dedicated team of local loan officers.