Home Refinance Loans
Trusted Mortgage Guidance Backed by Experience
Your mortgage doesn’t need to stay the same for the life of the loan. Refinancing can help you lower payments, pay off your home faster, or use your equity for major expenses. Whether you live in Springfield, Missouri, or anywhere across the United States, Shay Yates and the Lower Mortgage® | Key & Compass Team provide honest, personalized guidance backed by years of experience.
Licensed Nationwide – Experienced in assisting homeowners across most U.S. states.
Local Knowledge – Familiar with the Springfield, Nixa, Ozark, and Republic housing markets.
Proven History – Many families have successfully improved their mortgages through our guidance.
Trusted Network – Partnering with Lower Mortgage®, an innovative national lender.
"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
REFINANCE LOANS FOR MISSOURI & BEYOND
Lenders Based in Springfield, MO
Every homeowner’s situation is unique. Some aim to reduce interest costs, others want to shorten their repayment term, and many want access to equity. From Springfield to the coasts, our team provides the same level of care and attention to help you make an informed decision about refinancing.
POPULAR REFINANCE PROGRAMS AVAILABLE NATIONWIDE
Rate & Term Refinance
Lower your interest rate, adjust your repayment period, or both. This option helps reduce monthly payments or shorten the time to pay off your home.
Cash-Out Refinance
Turn home equity into cash at closing. Use funds for renovations, debt consolidation, or other large expenses while updating your loan terms.
FHA Streamline Refinance
Current FHA borrowers may qualify for this simplified program, which often requires less documentation and may not need a new appraisal.
VA IRRRL (Interest Rate Reduction Refinance Loan)
A streamlined option for veterans and active-duty military to lower monthly payments or move to a more stable loan structure.
USDA Streamlined Assist
For rural homeowners with USDA loans, this refinance offers reduced paperwork and may help lower payments.
Conventional Refinance
A versatile option for Springfield homeowners with equity, providing competitive rates for both rate-and-term and cash-out refinances.
Jumbo Refinance
For high-value properties exceeding standard loan limits, jumbo refinancing delivers custom solutions for larger balances.
Special & Flexible Programs
Some programs are designed to reduce upfront costs or expand qualification opportunities depending on your needs.
Get StaRTED
Contact Springfield's Trusted Refinance Mortgage LENDERS
Wherever you call home, the Key & Compass Team powered by Lower Mortgage® is ready to review your current loan and explain your refinance options. We’ll guide you step by step so you can feel confident about your decision, whether you’re in Missouri or across the country.
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