Home Purchase Loans
Trusted Mortgage Guidance Backed by Experience
With years of experience guiding buyers through the lending process, Shay Yates and the Lower Mortgage® | Key & Compass Team have built a reputation for honesty, clear communication, and results. Our team combines:
Nationwide Licensing – Authorized to originate loans in most U.S. states.
Local Expertise – Deep knowledge of Springfield, Nixa, Ozark, Republic, and surrounding Missouri markets.
Strong Track Record – Hundreds of families served with successful home purchases and refinances.
Proven Partnerships – Backed by Lower Mortgage®, a nationally recognized lending company committed to service and innovation.
"Shay and her team were extremely knowledgeable."
"Shay and her team were extremely knowledgeable."
— Bryanplanck
"Shay and her team were extremely knowledgeable, laid back, conversational, and made us feel at home."
— Bryan P
"I had the pleasure of working with Shay, who led her team during my home-buying process."
— Sarah T
"I had an amazing experience and being a first time home buyer it was great."
— Jeffery B
Find the Right Loan for Your Next Home
Springfield, Nixa, Ozark, MO
Buying a home is an exciting milestone, but choosing the right loan program can feel overwhelming. At Lower Mortgage® | Key & Compass Team (Branch NMLS #2634589), Shay Yates helps buyers explore the most common loan options so you can make a confident decision. Whether you’re purchasing in Springfield, Nixa, Ozark, Republic, or anywhere across Missouri and beyond, our team provides the guidance and resources you need to move forward.
Find the Right Loan for Your Next Home
FHA loans are popular with first-time homebuyers in Springfield, Nixa, Ozark, and Republic because of their flexible credit requirements and lower down payment options. With FHA financing, buyers can enter the market sooner while keeping monthly payments affordable. Licensed in most U.S. states, the Lower Mortgage® | Key & Compass Team also helps FHA borrowers across the country.
VA Loans for Veterans and Military Families
VA loans provide unmatched benefits for eligible veterans, active-duty service members, and surviving spouses. With no down payment required and no monthly mortgage insurance, VA financing helps those who’ve served secure homes in Southwest Missouri and beyond. Our team is experienced in guiding military families nationwide through the VA loan process.
USDA Loans in Missouri Rural and Suburban Areas
USDA loans are an excellent fit for buyers looking in rural and suburban communities across Missouri. They offer 100% financing with no down payment for qualified buyers. Many areas around Branson, Bolivar, and the greater Ozarks region fall within USDA eligibility zones, and we also assist USDA borrowers in eligible areas nationwide.
Conventional Home Loans
Conventional loans remain the most widely used mortgage option for buyers with strong credit and steady income. With competitive rates and flexible terms, conventional financing is a top choice for repeat buyers in Springfield, Kansas City, and other Missouri markets, as well as for families relocating across state lines.
First-Time Homebuyer Programs
First-time homebuyer programs are designed to make purchasing a home more affordable. From down payment assistance to reduced closing costs, these programs support buyers in Missouri cities like Springfield, Nixa, and Joplin, and extend to other states where we’re licensed. Pairing these programs with FHA, USDA, or Conventional loans can open the door to homeownership sooner.
Jumbo Loans
For homes that exceed conventional loan limits, jumbo loans provide financing solutions tailored to higher-value properties. Common in growing areas of Springfield and Kansas City, as well as in high-cost markets across the U.S., jumbo mortgages allow qualified buyers to secure larger properties with flexible options.
Adjustable-Rate Mortgages (ARMs)
Adjustable-rate mortgages offer lower introductory interest rates, making them attractive to buyers who may sell or refinance within a few years. ARMs can be a smart option for buyers in Springfield, Ozark, and Republic looking to maximize affordability at the start of their loan.
LOW OR NO DOWN PAYMENT LOAN PROGRAMS
Some programs are designed to minimize upfront costs, making it easier to purchase a home without a large savings account. These options are especially helpful for first-time buyers in Springfield, Branson, and across the Ozarks, and are available in many states nationwide.
Get StaRTED
Contact Springfield's Trusted MORTGAGE LENDERS
Contact us
3745 S Fremont Ave STE B Springfield, MO 65804
(Branch NMLS #2634589)
Loans & Financing: (417) 849-2430
Real Estate Sales: (417) 895-9681
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Springfield Nixa Ozark Republic Willard Marshfield
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© 2025 Lower Holding Company. Lower is a family of companies. Lower® and its DBAs (10th Mortgage; Alderus Mortgage; AMSW Lending; Banner Mortgage; Cabrales Mortgage; Community Lending; Fairfax Mortgage; First Trust Mortgage Company; First World Home Loans; Hamilton Home Mortgage; Heckman Mortgage; Home Team Lending; Homeside; Homeside Financial; Key Mortgage Group; Legendary Mortgage; Lower; Lower Mortgage, LLC; Lower.com; Lower.com, LLC; LOWERDOTCOM, LLC; McCaughan Home Lending; Oxford Home Lending; PowerPRO Mortgage; PowerTPO; Premier Nationwide Lending; Sky Mortgage Group; Thrive Mortgage; True Lending; Universal Lending Home Loans; Yes Mortgage.) provide home loans; Lower Realty, LLC provides real estate services; Homeside Insurance Services, LLC facilitates shopping experience for homeowner’s insurance policies. All rights reserved. Conducts business as “Lower.com, LLC” in Kentucky, Minnesota, Oklahoma, and Washington in lieu of Lower, LLC. Conducts business as “Lowerdotcom, LLC” in Montana in lieu of Lower, LLC.
All loans are subject to underwriting or investor approval. Some restrictions may apply. This is not an offer of credit or a commitment to lend. Guidelines and products subject to change. Rates and terms may vary depending upon risk analysis, collateral, and other factors. The USDA Program is for primary residence only and Income and Geographic limits apply. Zero Down VA loans are subject to Veteran’s full eligibility. For licensing information, go to: www.nmlsconsumeraccess.com.
Home lending products offered by Lower | 5950 Symphony Woods Road, Suite 312, Columbia, MD 21044
Disclaimers
You are under no obligation to use Lower, LLC as your mortgage lender or to work with the same individual for both mortgage and real estate services. You may request reassignment of your loan application or seek financing from any lender of your choice. Compensation for mortgage and real estate services is received separately for bona fide work performed, and this arrangement does not limit your ability to choose your own real estate agent or lender.
You are under no obligation to use Lower, LLC for your mortgage needs or to work with any real estate agent listed on this page. You are free to shop for and select both real estate agents and mortgage lenders of your choice at any time.
Shayla Morton, NMLS ID #2172921, MA License # MLO2172921 – Lower® Mortgage, Equal Housing Opportunity, NMLS ID #1124061 — Licensed Realtor, Valiant Group, RE #2025030602