XHL Mortgage

Mortgage X Home Loans is a mortgage lender and broker in McLean, Virginia, helping buyers with first home purchases, move-up purchases and refinances. The firm also offers home equity loans and no-doc and alternative-documentation home loans for borrowers whose paperwork doesn't fit a standard file. Loan officers compare programs and explain the trade-offs before a rate is chosen.

Applicants start with a short consultation, then send the documents needed for a pre-approval letter. The firm says a purchase can often close in 21 to 30 days, depending on appraisal, title and HOA requirements. It is licensed for home loans in Maryland, Virginia, West Virginia and Florida, and loan officers can be reached by phone, email or text. Hours run weekdays with shorter Saturday hours.