(858) 630-6665
Stephen Harris
We constantly work on delivering the best loan services to our clients. Our loan officer will walk you through every step of the loan application and approval process – from answering questions, to closing your loan quickly.
Start your loan journey in minutes. Submit your application securely online and receive personalized pre-qualification or pre-approval options; fast, simple, and hassle-free.
Apply Online
Enter Your Information - 10 min
Pre-qualify / Pre-Approve - 10 min
Help you prepare
We help you qualify and close in 21 Days
Speak directly with a mortgage expert. We’ll review your goals, answer your questions, and design a custom solution that fits your financial situation and timeline.
Schedule a Free Consultation
Discuss your Situation
We Review your condition and find a solution
Help you prepare
We help you qualify
Whether you’re a first-time buyer or refinancing your forever home, we offer solutions for nearly every situation. From government-backed programs like FHA, VA, and USDA loans, to conforming options that fit standard guidelines, jumbo loans for higher-value properties, and Non-QM programs for self-employed or unique income scenarios, our team will guide you to the loan that fits you best
We constantly work on delivering the best loan services to our clients. Our officer will walk you through every step of the loan application and approval process
We constantly work on delivering the best loan services to our clients. Our loan officer will walk you through every step of the loan application and approval process
Your first home should feel exciting, not overwhelming. We’ll help you get pre-approved fast, lock in the right rate, and hand you the keys with confidence. Your journey starts here.
Ready to grow your wealth through real estate? From rental properties to multi-unit investments, we’ll craft financing that helps you maximize profit and build long-term financial freedom.
Turn your dream getaway into reality. Whether it’s a beach house or mountain cabin, we’ll make financing your second home simple, fast, and stress-free. Let’s find your escape.
Questions? Stuck mid-process? We’ve got your back. Our digital platform makes applying easy — and our team is just a call or click away to help you close faster.
Our clients and partners say it best. From first-time buyers to seasoned investors, we’re proud to have earned the trust of those who value expertise, communication, and results that speak for themselves.
Steve is excellent in working with the Buyers and their Realtor to ensure that they have the necessary Loan Approvals when…
Emmett Cobb
Real Estate Broker
As local Realtors, we have had the pleasure of working with Stephen for a few years on multiple transactions. Now we have…
Local Realtors
I would definitely recommend Steve to anybody looking to buy a home. He was on top of all the paperwork for us…
Justin Mackrell
Local 3 operator
With over 20 years in real estate and mortgage lending, I specialize in simplifying complex loan options, guiding clients confidently from pre-approval to closing, and ensuring every transaction feels seamless, transparent, and stress-free.
At X2 Mortgage, we believe doing the right thing never goes out of style. With honesty, professionalism, and genuine care guiding everything we do, our experienced team helps you navigate your loan journey with confidence, clarity, and peace of mind.
We do the right thing, even when no one’s watching—because trust is everything.
Transparency is our policy. We give you the facts, not just the fluff.
Every client deserves respect, clear communication, and service that exceeds expectations—every single time.
We genuinely care. Our goal is to help families, not just close transactions.
Experience matters. Our knowledge and precision ensure your loan process is handled seamlessly.
We stay ahead of market trends so you can make confident, informed decisions.
We constantly work on delivering the best loan services to our clients. Our officer will walk you through every step of the loan application and approval process
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Your buying journey starts here! Get a free estimate on your monthly payment before you make an offer.
Have questions? Check out some of our common questions, because you're not supposed to be a mortgage expert.
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