INDEPENDENT MORTGAGE BROKERAGE · SINCE 2003
A 
Approach
to Your Mortgage.
Banks sell you their products. As an independent broker, we shop dozens of lenders to design the loan around you — not the other way around.
Book Your Free ConsultationSee How It Works
Don Groff, Broker & Owner · NMLS #266484 · Austin, TX · Closings in as little as 15 days
Independent since 2003 · Dozens of wholesale lenders · Conventional · FHA · VA · Jumbo · Refinance · Investment
WHY INDEPENDENT
Why a broker beats the bank.
One conversation with Don Groff — an independent broker since 2003 — puts the whole market on your side of the table.
More Choices, One Application.
A bank can only offer its own menu. We shop dozens of wholesale lenders and present the loans that actually compete for you.
A Strategy, Not a Product.
Rate is one variable. We structure points, term, and cash-to-close around your goals — lowest payment or fastest path to your next property.
Wholesale Pricing.
Brokers access wholesale lender pricing that retail branches don't advertise. You'll see your real options side by side before you commit.
THE PROCESS
Three steps. Zero pressure.
The 
Review
A 15-minute call with Don. We map your goals, income picture, and timeline — no credit pull required to talk.
Your Custom Loan Match
We shop our lender network and bring back a side-by-side comparison built for your scenario.
Close With Confidence
We drive the file to the closing table — in as little as 15 days.
FIND YOUR LOAN PATH
Start with your situation.
Six common starting points. Pick yours — we design the loan around it.
Buying Your First Home
Low down payment options and a steady guide from offer to keys. Most first buyers land on Conventional — as little as 3% down — or FHA.
Moving Up
Selling one home while buying the next is a timing puzzle. We structure around your equity and your move date — usually Conventional or Jumbo.
Building a Rental Portfolio
Investment property loans priced across dozens of wholesale lenders — and structured so properties two and three come easier.
Military Family
Your VA benefit is powerful: $0 down and no PMI. We make sure it is fully used and priced right.
Rate Too High? Refinance
If your rate sits above today’s market, we run the break-even math and show it side by side. No pressure, no obligation.
Luxury & Jumbo
Above the conforming limit, lender choice matters most. Jumbo pricing varies widely between lenders — we shop them all.
Ready to see your full ?
One conversation. Every option on the table. No obligation.
Don Groff, Broker & Owner · 512.633.4157 · broker@360lg.com
360 Lending Group, LLC · NMLS #266484 · This is not a commitment to lend.