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.

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.

A casual conversation with our state licensed loan Originator is the key to a smooth and enjoyable home buying experience!

Want to consult with a Loan Originator? Set up an appointment here

Professional Home Purchase Consultant in McLean, VA

Also Serving Fairfax County, VA; Montgomery, VA; Arlington, VA; and Bethesda, MD

At Mortgage x Home Loans, we know that purchasing a home is more than signing papers; it’s building your future. As a local mortgage lender based in McLean, VA, we proudly serve homebuyers throughout Fairfax County, Montgomery, Arlington, and Bethesda, offering a personal approach that starts with the right home purchase consultant by your side.

Get Expert Guidance Every Step of the Way

Buying a home in competitive markets like McLean, Bethesda, or Arlington means having a knowledgeable partner who understands both the numbers and the neighborhood. That’s why we connect you with an experienced home buying consultant who takes the time to understand your goals and guide you through every step—from pre-approval to closing—with clarity and confidence.

Experience a Human-Centered Approach to Lending

We do more than process applications; we build relationships. At Mortgage x Home Loans, we welcome your calls, emails, and messages, and we respond like real people—because we are. Our friendly and responsive home buying loan originators focus on getting to know you, not just your credit score. That personal touch is why so many buyers in Fairfax County, VA, and Montgomery, VA, trust us with one of life’s biggest milestones.

Explore Flexible Loan Options That Fit Your Life

No two buyers are the same, and neither are our loans. Your dedicated home purchase consultant will help you compare a wide range of financing options—from conventional loans to government-backed programs—so you can choose what fits your budget, timeline, and long-term goals. Whether you’re buying your first home in Arlington, VA, or relocating to Bethesda, MD, we’ll make sure you feel informed and empowered.

Work With a Local Team That Knows Your Market

We live and work in the same communities we serve. With deep roots in McLean, VA, and throughout Northern Virginia and Maryland, we bring local expertise and fast, reliable service you won’t find with nationwide lenders. From Fairfax County to Montgomery County, we understand what matters most to homebuyers here—and we’re ready to help you move forward with confidence.

Start Your Home Buying Journey With Confidence

Our team is committed to making your experience smooth, stress-free, and tailored to your needs. From your first conversation with a home buying consultant to the moment you receive your keys, we focus on what matters most—your peace of mind and long-term financial success. With a dedicated home purchase consultant guiding you, you’ll always know your options and feel confident at every step.

Whether you’re searching in McLean, VA, settling down in Bethesda, MD, or exploring options in Arlington, VA, Mortgage x Home Loans is here to help. Contact us today and connect with a dedicated home purchase consultant who will support you every step of the way.

Frequently Asked Questions

What documents do I need to start the mortgage application process?

To begin your mortgage application, you’ll typically need recent pay stubs, W-2s or tax returns from the past two years, bank statements, and a valid ID. If you’re self-employed, profit and loss statements or 1099 forms may also be required. Having these documents ready will help your home purchase consultant speed up the pre-approval process and provide you with accurate loan options based on your financial profile.

How long does it take to get approved for a home loan?

The mortgage approval process can vary depending on the complexity of your financial situation, but most buyers can expect pre-approval within 24 to 72 hours once all required documents are submitted. Full loan approval, including underwriting and final verification, generally takes 3 to 4 weeks. Working closely with an experienced home buying loan originator can help you avoid delays and keep the process moving efficiently.

How does my credit score impact my mortgage rate?

Your credit score plays a significant role in determining your mortgage interest rate. Generally, the higher your credit score, the lower your rate will be. Lenders use your score to assess risk—borrowers with higher scores are considered more likely to repay their loans on time. If your score is on the lower end, your home purchase consultant can offer strategies to improve it before applying, or help you explore loan programs that are more flexible with credit requirements.

Home Buyer’s Guide

Set up an appointment to discuss the three step home buying process

Consult

Contact a Loan Originator to discuss your scenario and submit core documents for review.
Receive Approval, Go Home Shopping!

Underwriting

Upon ratification of contract receive loan application including Loan Estimate and Proper Disclosures, E-sign for underwriting submission.
Appraisal and Title will be ordered.

Closing

Underwriter approved! Provide closing conditions, receive Closing Disclosure minimum 3 days before closing. Receive Cleared to Close Notification.
Happy Closing! ALL within 21 days.

Already been pre-qualified! Great! Give us the opportunity to earn your business. We can get your loan underwritten without a ratified sales contract

for a quick settlement

Request an Estimate Talk to Us

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.