360 Lending, LLC

360 Lending, LLC NMLS #2340392

Whether you’re purchasing your first home in the city, relocating to a peaceful mountain hideaway, or investing in a beachfront rental property, our team of experts builds comprehensive, customized mortgage solutions to fit your budget and lifestyle.

NMLS  #2340392
04/28/2026

NMLS #2340392

03/24/2026

Good read Jack!

Jackism – A Thought For Today:
NO EXIT PLAN

From time to time I get a little down and out about my career and my job and it gives me an opportunity to ponder and think. I think we can all relate.

When things are not going your way at work, it is real easy to start looking for the ledge to jump off out of frustration or wondering if the grass is greener somewhere else. We live in a world that makes quitting easy. New opportunity, better comp, fresh start. Just swipe and go. No friction, no roots, no staying power.

I have been there more than once in my 35 years in this business.

As I was thinking about that this morning, it took me back to something Misty and I decided early on in our marriage. Divorce was not an option. It was off the table. We are one for life. That decision changed everything because when friction showed up, and it does for all of us, we did not have the option to run. The only option was to work through it, to stay in it, to figure it out together knowing we are side by side until death do us part. And because of that, the best parts of our marriage came from the moments we could have pulled away but chose not to.

That hit me when I started thinking about our jobs.

What if you made that same kind of decision about where you work? What if you said this is where I am going to retire, this is where I am going to build, this is where I am going to finish. How would that change the way you show up on the hard days?

For me, it changes everything. It takes away the constant search for something better and replaces it with the responsibility to make something better. It shifts you from questioning to contributing, from frustration to ownership. If this is where you are going to plant your flag, then you have a role in making it work, not just pointing out what is broken but helping build what is right.

Because here is the truth we do not always want to hear. The grass is rarely greener, it is just different dirt. Every company has issues, every job has friction, every season has pressure. If you keep moving every time it gets hard, you never stay long enough to see what working through it produces. And that is where the good stuff is, not in the escape but in the build.

I have been married 31 years and Misty is the absolute love of my life. She is everything I never realized I truly needed. It did not come from perfection, it came from commitment. From staying when it would have been easier not to, from working through things when walking away was an option we refused to take.

Maybe your job has some blemishes right now, maybe it feels harder than it should, maybe you are looking over the ledge. But just maybe this place, this role, this season is exactly what you need to become who you are meant to be. You will not know if you keep leaving.

So here is my encouragement today. Take the exit off the table, lean into the work, build where you are and own your part in it. Because when quitting is no longer an option, progress becomes the only path, and that is where the fruit shows up.

Written by Jack Keeler

12/31/2025

Here's to an extraordinary 2026! Together, let's foster a spirit of kindness and support. If there's anything I can do to assist you in 2026, feel free to connect with me! NMLS #2340392

12/24/2025

🎄 Merry Christmas from 360 Lending, LLC 🎄

As we celebrate this Christmas season, we want to take a moment to say thank you. We are truly grateful for our customers, families, friends, and referral partners who continue to support and trust 360 Lending, LLC.

It has been an honor helping so many families on their homeownership journey. Your confidence in us and your continued encouragement mean more than we can express. We look forward to serving you and your families in the coming year.

Wishing you a Christmas filled with peace, joy, love, and special moments at home with those who matter most.

✨ Merry Christmas and Happy Holidays! ✨
— 360 Lending, LLC NMLS # 2340392

Help WELCOME Zack Pappanastos to 360 Lending! Zack Pappanastos joined 360 Lending in September, 2025. Priorto coming to ...
12/12/2025

Help WELCOME Zack Pappanastos to 360 Lending!

Zack Pappanastos joined 360 Lending in September, 2025. Prior
to coming to 360 Lending, he was the co-founder and co-
Owner/Partner of Classic Home Mortgage, Inc. Zack has
originated residential mortgage loans since October, 2009.
Prior to entering the mortgage business, Zack spent 33 years in
corporate America working for several well-known companies in
the Information Technology field.

Zack believes in open, honest and constant communication with his customers. He is very passionate about helping people reach their dreams of becoming a homeowner and strives to deliver excellent
customer service to every client. He believes that every decision
in the mortgage loan process should be made from the perspective of “what’s best for the customer”.

An Alabama native, Zack has been married to his wife Kim for
over 38 years, and has two children. In his free time, Zack enjoys
spending time with his family, jogging, beach vacations, golfing,
and traveling to new and exciting locations. He loves all sports
and anything outdoors.

NMLS # 2340392

Help WELCOME Alexa Pappanastos to 360 Lending!Alexa Pappanastos is a Loan Originator & Processor who beganworking with 3...
12/03/2025

Help WELCOME Alexa Pappanastos to 360 Lending!

Alexa Pappanastos is a Loan Originator & Processor who began
working with 360 Lending in 2025. Alexa has a passion for helping
clients get into their dream home and is a hard worker who strives to be as efficient as possible in everything she does.

Alexa has originated residential loans since 2018. Alexa is a graduate of Oak Mountain High School and the University of Alabama with a BA in History and the Classics. She also studied abroad at the University of Oxford. Her interests include sporting events, live music, reading, and spending time with her friends and family, particularly her rescue cat, Fluffy.

NMLS # 2340392

Happy Thanksgiving to all! Wear your big pants today!
11/27/2025

Happy Thanksgiving to all! Wear your big pants today!

10/30/2025

Quick Rate Reality Check!

When the Fed lowers the Federal Funds Rate, they’re adjusting the short-term rate banks charge each other for overnight loans — basically, the cost of a super short-term “IOU” between banks.

But 30-year mortgage rates are a different story. They’re long-term loans, and they move mostly with what’s happening in the bond market, especially the 10-year Treasury yield. Those yields depend on what investors expect for inflation, the economy, and risk over years, not just overnight.

So yes — Fed rate cuts can influence mortgage rates indirectly (by shifting inflation and economic expectations) — but they don’t hit a magic button that instantly drops mortgage rates. In fact, sometimes mortgage rates even tick up right after a Fed cut if investors think inflation will rise.

We’re seeing that right now: rates moved up slightly today. Still, they’re lower than they’ve been in the past 11 months, and I expect them to trend down again in the coming months.
One more thing to remember — not everyone realizes there’s a difference between the Fed rate and mortgage rates. So when the media announces that “rates are being lowered,” a lot of buyers start thinking now’s the time to jump in.

Call me if you have any questions. NMLS #2340392

09/16/2025

Thank you, 360 Lending, LLC, for sponsoring The Writer's Block LIVE!

Navigating Paths to Homeownership: Visit my360lending.com!

08/22/2025

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412 Walnut Drive
Trussville, AL
35173

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