How long should I plan to stay before buying makes sense?

Buying usually becomes more compelling when you expect to stay several years and have enough cash to handle upfront costs and normal repairs without financial strain.

Does buying always build wealth faster than renting?

No. If your timeline is short, the home needs costly repairs, appreciation underperforms, or the ownership payment forces you to stop saving, renting can be the stronger choice for a period of time.

Should I buy if the monthly payment is higher than rent?

Not automatically. A higher payment can still make sense if you have stable income, solid reserves, and a long enough time horizon. But if the payment would feel tight, the risk often outweighs the theoretical upside.

What matters more, appreciation or time horizon?

Time horizon usually matters more. Even modest appreciation can help over time, but short holding periods make buying more fragile because transaction costs and selling costs can erase the advantage.

Terms and Conditions - 360 Mortgage

These Terms and Conditions govern your use of the 360 Mortgage website and any information, forms, communications, and services provided through this site.

By accessing this website or submitting your information through any form on this site, you agree to these Terms and Conditions. If you do not agree, please do not use this website or submit your information.

1. Use of Website and Services

360 Mortgage provides mortgage related information, educational content, and the ability for consumers to request contact regarding mortgage products and services. Content on this website is for general informational purposes only and is not a commitment to lend or a guarantee of approval.

You agree to use this website only for lawful purposes and in a way that does not interfere with or disrupt the operation of the site.

2. No Guarantee of Loan Approval or Terms

Submission of information does not guarantee loan approval, rates, or terms. All loan decisions are subject to underwriting, credit review, property evaluation, and applicable program guidelines.

3. Consent to Communications

When you submit a form on this website, you may be given the option to consent to receive communications from 360 Mortgage.

Consent is obtained through a clear and conspicuous, unchecked checkbox that you must actively select before submitting your information.

By providing consent, you agree to receive communications related to your inquiry, including phone calls, emails, and text messages for follow up, appointment scheduling, loan status updates, and requested information.

These communications are sent in response to a consumer initiated request and are not unsolicited.

Consent is not required as a condition of purchase.

4. SMS Terms and Conditions

If you provide your mobile number and opt in through a website form, you agree to receive text messages from 360 Mortgage related to your inquiry and requested services.

Message frequency varies. Message and data rates may apply.

You may opt out at any time by replying STOP. For assistance, reply HELP.

Consent to receive SMS messages is not a condition of purchase.

Text messages are only sent in response to a consumer initiated inquiry and are not used for unsolicited marketing purposes.

We do not share or sell SMS consent or phone numbers for third party marketing purposes.

Carriers are not liable for delayed or undelivered messages.

5. User Information and Accuracy

You agree to provide accurate and complete information when submitting forms and not to submit information on behalf of others without authorization.

6. Privacy

Your use of this website is also subject to our Privacy Policy.

7. Intellectual Property

All content on this website is the property of 360 Mortgage and may not be reused without permission.

8. Third Party Links

We are not responsible for third party websites or services linked from this site.

9. Disclaimer of Warranties

This website is provided as is without warranties of any kind.

10. Limitation of Liability

360 Mortgage is not liable for damages arising from use of this website.

11. Indemnification

You agree to indemnify and hold 360 Mortgage harmless from claims arising from your use of the site.

12. Changes to These Terms

We may update these Terms at any time. Continued use of the site constitutes acceptance.

13. Governing Law

These Terms are governed by the laws of the State of Missouri.

14. Contact Information

360 Mortgage

212 W Mill St
Liberty, MO 64068

Email: ehenson@360-mortgage.com

Licensed mortgage broker in Missouri, Kansas, and Louisiana.

Effective date: March 24, 2026

Terms and Conditions