Established Experience Since 2004

360 Mortgage has served borrowers for more than two decades across multiple market cycles, interest rate environments, and lending guideline changes. That long view helps clients make informed decisions with context rather than reacting emotionally to headlines or temporary conditions.

A Systems and Data Driven Approach to Mortgage Decisions

The founder of 360 Mortgage holds a Bachelor’s degree in Information Systems from Brigham Young University in Provo and an MBA from Oklahoma State University. Before and alongside mortgage lending, his professional background includes work as a web developer and an Oracle database administrator.

That systems focused background shapes how financing decisions are evaluated today. Rather than relying on scripts or one size fits all recommendations, we approach each loan as a decision framework, weighing tradeoffs, risks, timelines, and cash flow implications. Modern modeling tools and data analysis help pressure test options so clients can move forward with clarity and confidence.

Licensed Where It Matters, Connected Where It Counts

360 Mortgage is licensed as a mortgage broker in Missouri, Kansas, and Louisiana. For clients outside those states, including Florida, we work with established referral partners to help ensure borrowers are connected with qualified professionals who understand their local markets.

Experience Across Major Mortgage Programs

Our team works across a wide range of loan programs, including conventional, FHA, VA, USDA where eligible, jumbo financing, adjustable rate mortgages, and investor focused loan options. This breadth allows us to evaluate multiple paths rather than pushing clients toward a single predefined solution.

Close Collaboration With Builders and Realtors

We work closely with builders and real estate professionals to help transactions move smoothly from contract to closing. This includes ongoing collaboration with brokerages such as Golden Hour Real Estate, allowing for clearer communication, fewer surprises, and more efficient coordination throughout the process.

Mortgage Insight Informed by Insurance Experience

Insurance plays a critical role in mortgage qualification and long term affordability. The founder of 360 Mortgage also owns an insurance agency, providing additional perspective on how homeowners insurance, flood coverage, and policy choices interact with underwriting requirements and monthly costs.

Built by Real Estate Investors

360 Mortgage was built by an operator with hands on real estate investing experience, including ownership of residential rental properties in multiple states, commercial real estate holdings, and participation in renovation and value add projects.

That experience informs conversations with investor clients when evaluating leverage, cash flow, exit strategies, and financing structures designed to support long term investment objectives.

A Seasoned Team of Loan Professionals

Our loan officers are experienced professionals who understand both the technical side of mortgage lending and the practical realities borrowers face. Clear communication, realistic expectations, and disciplined execution are central to how our team approaches every file.

Work With an Experienced Mortgage Team

Whether you are buying a home, refinancing, or evaluating an investment opportunity, working with a team that understands lending, real estate, insurance, and decision tradeoffs can make the process more predictable and less stressful.

Contact 360 Mortgage