Mortgage Broker • Real answers • Clear next step
Get Pre Approved With A Mortgage Broker Who Makes It Simple
Buying or refinancing should feel clear, not confusing. We help you choose a loan path that fits your timeline and risk comfort, then we keep the process moving with consistent communication.
NMLS 80777 • Licensed in Missouri, Kansas, Louisiana
Want a quick plan first?
Tell us what you are trying to do and we will respond.
How The Process Works
A simple, repeatable process that keeps you in control.
1
Tell Us Your Goal
Purchase, refinance, cash out, or investor financing. We start with your timeline and your non negotiables.
2
Compare Options
We explain the tradeoffs. Payment, cash needed, rate risk, mortgage insurance, and qualification path.
3
Get Pre Approved
We collect the right docs once, then position the file for clean underwriting and a smoother close.
4
Close With Confidence
You get clear expectations on timing and closing costs so there are fewer surprises at the finish line.
Ready for a clean pre approval?
Start now or call. We will tell you exactly what we need and what comes next.
Loan Programs And Scenarios We Help With
Choose the path that fits your situation, not just the lowest advertised rate.
FHA Loans
Low down payment options and flexible guidelines. Great for first time buyers and credit rebuilding paths.
Explore FHA loans
FHA vs Conventional
Understand when FHA wins and when conventional is better. Payment, mortgage insurance, and approval fit.
Compare FHA and conventional
Investor DSCR Loans
Rental property financing that can focus more on the property cash flow. Great for portfolio growth.
Explore DSCR loans
Refinance
Lower payment, remove PMI, or simplify your finances. Understand the break even point and timing.
Explore refinance options
Cash Out Refinance
Turn home equity into usable funds for debt payoff, renovations, investing, or reserves.
Explore cash out refinance
Self Employed
Income can be the hardest part. We help you present it clearly so underwriting makes sense of it.
Self employed mortgage guide
Why Work With A Mortgage Broker
A bank shows you that bank. A broker helps you compare. The value is not just rate. It is guidance, clarity, and a process that prevents last minute surprises.
- Option clarity so you understand tradeoffs before you commit
- Fewer surprises with early documentation and underwriting prep
- Better fit for first time buyers, investors, and complex income
- Human guidance that explains each decision point
Common Questions We Help You Answer
- How much house can I afford without feeling stretched?
- Should I use FHA or conventional for my scenario?
- How much cash do I really need to close?
- What credit moves actually matter right now?
- How long will it take to close in real life?
Popular Guides And Resources
Use these to get clarity fast, then reach out when you want a personal plan.
About 360 Mortgage
We are a mortgage broker focused on clear decision making and clean execution. If you have questions, you will get answers. If something is not a good fit, we will tell you that too.
Disclosure: Licensed mortgage broker in Missouri, Kansas, and Louisiana. This site provides educational information and does not constitute a commitment to lend. All loans subject to underwriting approval.
Fast FAQ
How fast can I get pre approved?
It depends on document readiness. Most people can get a clear plan the same day, and a full pre approval once documentation is reviewed.
Do you only do FHA?
No. We help with conventional, FHA, refinance, and investor scenarios. The right answer depends on your goals and qualification path.
What should I do before I apply?
Do not open new debt, do not move large funds without noting the source, and avoid major credit changes without a plan. Start with a quick call if you are unsure.
Start With Clarity, Then Move Fast
If you want a clean pre approval and a smoother closing, take the next step.