"I've worked with Xavier twice now on home purchases, and both experiences have been outstanding. Each time, he secured the best rates and provided top-tier service with some of the fastest closings I've ever heard of - around two weeks. His communication is prompt and I never felt uncertain at any stage."
Fast Mortgage Closes, Zero Runaround
Arizona-based mortgage broker closing loans in 10-15 days. VA loans, FHA, and investor financing with better rates than big banks.
Veterans
VA loans are our specialty - IRRRL, cash-out, purchase. Direct, no-BS service at speeds big banks can't match.
First-Time Buyers
FHA loans with as little as 3.5% down. We guide you through every step - no confusing jargon, no surprises.
Real Estate Investors
DSCR and Non-QM loans for portfolio growth. No income verification - qualify based on property cash flow.
Refinancing
Close refinances in 10 business days. Lower your rate, pull cash out, or eliminate PMI - we'll show you the numbers.
Why Xavier Founded True Mortgages
Xavier got into mortgages because he knew successful people in the industry. But he stayed because he discovered his strongest suit: problem-solving and thinking outside the box. Most people think a mortgage is straightforward - it's not. There's complexity in funding and structuring every loan, and Xavier built True Mortgages to handle that complexity while making it feel simple for clients.
- Building genuine relationships with clients and colleagues
- Providing unique solutions that banks can't or won't offer
- Partnership approach that lasts beyond closing
Our Mission: Partnership, Not Transactions
True Mortgages treats every client as a partner, not a transaction. The relationship doesn't end at closing - we stay available for future refinances, questions, and referrals. This partnership means both sides do their part: clients provide documents, we deliver results. Honest communication even when news isn't great. Long-term relationships, not one-and-done deals.
- Same-day response commitment - no waiting days for callbacks
- Personal service - work with the same team throughout your loan
- Available after closing for questions, future needs, and referrals
Loan Products Built for Your Situation
Whether you're a veteran, first-time buyer, or real estate investor, we have financing options that work.
Transparent
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We show exact costs upfront, day one. No bait-and-switch with hidden fees at closing.
- Exact costs quoted from day one
- No hidden fees or surprise charges
- Honest communication even when news isn't great
Executes
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Refinances close in 10 business days on average. Purchases in 10-15 days. That's 2-3x faster than big banks.
- Refinances close in 10 business days
- Purchase loans in 10-15 days
- Same-day response to all inquiries
VA Cash-Out Refinance
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You'll work with the same team throughout your loan - not bounced between departments or stuck in call center queues.
- Same team from application to closing
- Direct access to decision makers
- 95% digital process for your convenience
DSCR Investor Loans
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Very few people actually honor their commitments through the transaction and afterwards. We do.
- Keep promises made during the deal
- Available after closing for future needs
- Treat clients as partners, not transactions
What Makes True Mortgages Different
As an independent broker, we're not locked into one lender's products. We shop multiple wholesale lenders to find you the best rate and terms - then close faster than big banks can.
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Better Pricing Wholesale lender access means better rates than big banks. Lower overhead means savings passed to you.
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2-3x Faster Close in 10-15 days while big banks take 30-45. Win purchase deals and get refi savings faster.
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Multiple Lender Options One application, dozens of lenders. We find the best fit for your situation.
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No Disappearing Act We're available for questions, future refinances, and referrals long after closing.
How True Mortgages Works
Our process is built for speed and transparency. Here's what to expect when you work with True Mortgages.
We listen more than we talk. Share your situation, goals, and concerns. We'll explain your options with exact numbers - not vague estimates. This is a partnership, so honesty from both sides matters.
Complete a quick application. As an independent broker, we shop multiple wholesale lenders to find the best rate and terms for your situation. One application, multiple options.
We handle the complexity while keeping you informed. 95% digital process - e-signatures and emailed documents, no printing or mailing. Same-day response to any questions that come up.
Close in 10-15 days with no surprises - what we quoted is what you pay. After closing, we stay available for future refinances, questions, and referrals. The partnership doesn't end here.
What Clients Say About Working With True Mortgages
Real experiences from veterans, first-time buyers, and investors who chose True Mortgages.
12 reviews
"As a first-time homebuyer, I expected the process to be overwhelming, but Xavier made everything smooth and straightforward. He was professional, communicative, and made what could have been stressful feel manageable."
"Xavier helped me with the purchase of my primary residence and later with a DSCR loan for an investment property. Both transactions were smooth, transparent, and handled professionally from start to finish. He's exactly who you want in your corner."
"Top tier service and attention to detail. Xavier completed two refinances - one on primary home and one on a condo. Great communication and efforts to get the loans done smoothly and promptly. Would recommend 10 out of 10."
"I had an excellent experience from start to finish. The team was professional, responsive, and incredibly knowledgeable. They took the time to explain every step, answered all my questions, and made what could have been stressful feel smooth and straightforward."
"Super thankful for Xavier's help with our mortgage. Made the transaction very stress-free and simple. Definitely recommend!"
Licensed in Multiple States, Serving Clients Nationwide
True Mortgages is licensed in Arizona and California, with plans to expand as our team grows. Based in Tempe, our 95% digital process means we can serve clients anywhere without requiring in-person meetings.
Licensed statewide. Serving Phoenix metro, Scottsdale, Mesa, Chandler, Gilbert, Glendale, Peoria, Tucson, and all Arizona cities. Office based in Tempe.
Licensed to serve California borrowers. All loan products available - VA, FHA, Conventional, DSCR, and Non-QM. Remote process makes serving California clients seamless.
95% of clients close digitally - e-signatures, emailed documents, no paper shuffling. No need to print, sign, scan, or mail anything. Close from anywhere.
Plans to add additional states as the team grows. VA loans work in all 50 states - contact us to discuss your location.
Ready to Move Forward?
Let's talk through your options - there's no pressure, just honest answers about what's possible for your situation.
(480) 289-1725 Schedule a CallFrequently Asked Questions
Have a question we didn't answer? Call us - we respond same day.
FHA loans can go as low as 580 (sometimes 500 with larger down payment). VA loans are more flexible on credit. Conventional typically needs 620+. DSCR investor loans focus more on property cash flow than credit.
- FHA: 580+ credit score
- Conventional: 620+ typically
On average, we close refinances in 10 business days and purchases in 10-15 days. That's 2-3x faster than big banks, which typically take 30-45 days. If you have a tight timeline, let us know.
- Refinances: 10 business days
- Purchases: 10-15 days
As an independent broker with wholesale lender access, we offer better rates than big banks stuck with retail pricing. Lower overhead and no corporate profit margins to feed means savings get passed to you.
- Wholesale lender access
- Lower overhead than banks
It depends on your current rate, loan balance, and goals. The rule of thumb: if you can drop your rate by 0.5-1% or more, it's usually worth exploring. We'll run your numbers and show you exactly what you'd save.
- Rate drop of 0.5-1%+ usually worth it
- We'll run your exact numbers
True Mortgages is currently licensed in Arizona and California. Our office is in Tempe, Arizona, but 95% of our process is digital - you can close from anywhere without printing a single document.
- Licensed in AZ and CA
- 95% digital process
Three things: Speed, pricing, and partnership. We close loans 2-3x faster than banks. As an independent broker, we shop multiple lenders to get you better rates. And we treat you as a long-term partner, not a one-time transaction.
- 2-3x faster than banks
- Better rates as independent broker
Talk to Xavier — Same Day Response
Arizona-based. Closes in 10-15 days. Call or fill out the form below.
- Close refinances in 10 business days, purchases in 10-15 days
- Better pricing than big banks through wholesale lender access
- Partnership approach - we stay available after closing