Find the Right Loan for You
360 Lending, LLC offers a variety of loan programs to fit your needs.
Debt Consolidation/Cash Out
Debt consolidation is the replacement of multiple loans with a single loan, often with a lower monthly payment and a longer repayment period. A debt cash out allows customers to draw equity out of their property in the form of cash. (Term: 30 years, Maximum Amount: $6,000,000)
Investment/Second or Vacation Home
An investment property is used for rental purposes, or is bought to be renovated and resold to gain a profit. Second homes and vacation homes are exclusively for personal use, not for renting. (Term: 30 years, Maximum Amount: $6,000,000)
Refinancing refers to the repayment of a mortgage with another mortgage. Homeowners typically refinance to take advantage of lower interest rates or to transform equity into cash. (Term: 30 years, Maximum Amount: $6,000,000)
FHA 203(b) is a basic home mortgage program for the purchase or refinance of a primary residence. The program provides financing up to $420,680 and requires that buyers have a minimum credit score of 620 and put a minimum of 3.5% down. Learn more
FHA 203(k) is a home mortgage program that enables home buyers to finance both the purchase of a home and the home’s renovations through a single mortgage. The program also allows homeowners to refinance their existing home as well as finance renovations through a single mortgage. Borrowers with a minimum credit score of 620 can streamline up to $35,000, or secure a standard loan up to $50,000. Learn more
This program helps make homeownership a reality for low to moderate-income families living in rural areas. Borrowers with a minimum credit score of 640 receive 100% financing. Learn more
VA loans are available to active military service members, veterans, and eligible surviving spouses. These loans provide 100% financing up to $715,000 and require a minimum credit score of 620. Learn more
Single-family homes, duplexes, 2-4 unit properties, condominiums, and townhouses are eligible for conventional loans. Buyers with a minimum credit score of 680 must put a minimum of 5% down and can receive financing up to $715,000. The 5% down payment may be gifted to the buyer.
Jumbo loans are designed to finance the purchase of luxury properties and homes and are typically used by qualified homebuyers seeking a loan amount greater than the conforming loan limit in their area. In most of the country, the loan amount for jumbo loans exceeds $715,000, and the buyer must have a minimum credit score of 700.