Who We Are
The Key and Compass Team
— People First, Always
The Lower® Mortgage Key and Compass Team, led by Shay Yates, delivers trusted mortgage services through Lower® Mortgage and professional real estate expertise with Valiant Group as part of the Key and Compass Team.
Based in Springfield, MO, and serving clients throughout Missouri and multiple other states, we combine the best of lending and real estate to create a seamless experience from pre-approval to closing. Whether you’re a first-time buyer, move-up homeowner, veteran using VA benefits, self-employed borrower, or someone exploring refinancing, our team offers competitive rates, personalized loan solutions, and expert market guidance.
With Shay’s dual experience as a licensed real estate agent and mortgage professional, we provide integrated guidance and support—ensuring every client has the knowledge, tools, and confidence to make their next move.
Shay yates Morton
Branch Manager, VP
As the leader of the Lower® Mortgage, Key and Compass Team in Springfield, Missouri, Shay Yates is recognized for her expertise in both mortgage lending and real estate. Licensed in Missouri, Arkansas, Florida, and Texas, she offers clients a rare combination of in-depth local market insight and a broad understanding of regional lending practices.
With years of experience as a mortgage professional with Lower® Mortgage and a licensed real estate agent with Valiant Group’s Key and Compass Team, Shay guides buyers, sellers, and homeowners with competitive loan options, clear communication, and proven strategies from application to closing.
Whether working with first-time buyers, move-up homeowners, military veterans using VA benefits, self-employed borrowers, or clients seeking to refinance or relocate, Shay specializes in FHA, USDA, VA, and conventional loans as well as low- and no-down-payment programs. Her ability to deliver tailored solutions makes her a trusted choice for clients in Springfield, across Missouri, and in Arkansas, Florida, and Texas.
Christian Schwartz
The Bridge Builder/ Loan Assistant
From the moment you hear the exciting words, “under contract,” Christian Schwartz becomes your go-to resource for keeping the process moving smoothly. As Shay’s dedicated Loan Assistant, Christian coordinates the behind-the-scenes details that make a difference—setting up your file, gathering documents, and ensuring everything is ready for underwriting.
Working closely with Shay as part of the Lower® Mortgage, Key and Compass Team, Christian helps turn the journey of buying a home into an enjoyable experience rather than just a transaction. His attention to detail, consistent communication, and genuine care ensure that every client feels supported from start to finish.
Jen Ogden
Loan Officer
With a heart for hospitality and a deep understanding of the mortgage process, Jen ensures every client feels seen, heard, and supported from the very first conversation. As the “people glue” of the Lower® Mortgage, Key and Compass Team, she connects the dots behind the scenes—coordinating details, answering questions, and keeping communication flowing.
Her blend of warmth, organization, and problem-solving skills helps create a stress-free experience for buyers across Missouri, Arkansas, Florida, and Texas, turning what could feel overwhelming into a smooth and even enjoyable process.
get in touch
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Contact
Let’s Talk About Your Home Goals.
Call. Text. Email. Or just say hi—we’re here to help.
3745 S Fremont Ave STE B
Springfield, MO 65804 | (Branch NMLS #2634589)
8:00am - 5:00pm
"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
Book a Call
Let’s Build Your Home Plan—Together.
No pressure. No jargon. Just a simple chat about your goals and how we can help.
Choose a time that works for you and let’s talk! We’ll walk through your questions, discuss your next steps, and figure out what’s possible.
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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Terms & Conditions | Privacy Policy
© 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