What’s the difference between a mortgage lender and a mortgage broker?

A mortgage lender funds and services loans; a mortgage broker compares multiple lenders to find the best fit. We operate with the flexibility of a broker and the accountability of a direct lending partner. That means more options, clearer decisions, and one team guiding you from pre-approval to closing.

How does a rate lock work, and when should I lock?

A rate lock holds your rate for a set period, protecting you from market swings. The right timing depends on your contract date, volatility, and risk tolerance. We’ll discuss float-downs, extension costs, and how lock length affects pricing, then tailor a plan to your timeline.

What documents do I need to start?

Typically, recent pay stubs, W-2s or 1099s, two months of bank statements, and a copy of your ID. Self-employed buyers may provide business returns and a year-to-date P&L. Uploading early lets our mortgage company verify faster, spot savings opportunities, and avoid last-minute stress.

How fast can you close in McLean, VA?

Purchase timelines often run 21–30 days, depending on appraisal, title, and HOA needs. We front-load verifications, coordinate daily with all parties, and give proactive updates so you always know what’s next. If you’re on a tight deadline, we’ll prioritize the file and outline exactly what we need from you.

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Yes we can qualify you but better yet we can get you underwriter approved without a purchase contract

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Customers Testimonials

I recently refinanced my house with Mortgage XHL, they were exceptionally professional, responsive, committed to make sure my refinance went smoothly.

Delmi Canales

Home Owner

We worked with Mr Behnam Taheri for our new home mortgage. He was very kind and helpful,polite and knowledgeable...

Roya Sardar

I recommend Mortgage X Home Loans because of their experience. Ben Taheri showed he is a 20 year veteran by his approach to my unusual situation. I have spoken to many other "lenders" only to find out they have been in business ONLY during the last few "boom years" of lending and real estate. His processing team is just as experienced as he is. Off course great rates and cost go without saying. Not a "lip-service" lender but actually has the ability as a DIRECT LENDER to deliver without hesitation. IF you want your home loan purchase or refinance closed the way it should be call Mortgage X Home Loans

Mahdi Po

The first ones are always memorable and buying the first home is one of them. Ben Taheri is a person who helped me that I was able to turn this first one into one of my best memories. Ben is very professional and considers all aspects. He is very diligent and patient, answers all your questions carefully with details, and is also follow-up and promising. He solves your worries with explanation and solution. Everything went so smoothly and without any problems with Ben Taheri. Thanks to Ben and his professional team specially Jean for giving me the first home in the shortest possible time with very good mortgage rate. Thank you

Sima Moj

Ben was an absolute pleasure to work with and made the home buying process a breeze. After working with a large bank on a refinance previously, I was a little nervous about the home buying process and all the stress that went along with it.
Ben and Mortgage X Home Loans made the entire process stress free, were extremely responsive, and answered any all questions we had about the process. I cannot recommend them enough.

Mario Martinez

Ben was referred through a trusted friend and came highly recommended. After thinking about refinancing my home and working with several other agents, I gave Ben a call, curious about his advice as well as the options he might suggest. I was more than pleased at Ben’s professionalism. He was very knowledgeable and after my own research was confident he was trying to meet my needs and priorities. He was extremely efficient as well as timely in his work and keeping deadlines. I was very pleased with my experience in working with Ben, confident that if I have additional questions he will be there to help! I highly recommend Ben’s services.

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What Mortgage Lender Has the Best Rates in 2024

We’re Providing the Quality Services

The Human Approach to Mortgage Lending

MXHL Approvals

Morgage X Home Loan Services

Consult, Receive Loan Estimate & Apply

Lock in Your Rate, Underwriter Approval

Provide Closing Conditions, Receive Closing Disclosure & Close!

What Mortgage Lender Has the Best Rates in 2024

We’re Providing the Quality Services

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