Our Mortgage Services
Lower® Mortgage | Key & Compass Team
At Lower® Mortgage | Key & Compass Team, we proudly serve homebuyers and homeowners nationwide, with licensing in most U.S. states. Whether you’re purchasing your first home, refinancing to save money, or exploring loan options, our team provides the guidance and programs you need for a smooth mortgage experience. Based in Missouri and serving communities like Springfield, Nixa, Ozark, and Republic, we combine local expertise with the reach and resources to support clients across the country.
Home Purchase Loans
Springfield, Nixa, Ozark & Republic
Buying a home in the Springfield metro and surrounding Ozarks communities is easier with the Lower® Mortgage | Key & Compass Team on your side. We’ll help you find the right program to match your budget and long-term goals:
FHA Loans – flexible options ideal for first-time buyers.
VA Loans – zero-down financing for qualified veterans and active-duty service members.
USDA Loans – affordable solutions for eligible rural and suburban areas, with no down payment.
Conventional Loans – traditional financing with competitive terms.
First-Time Homebuyer Programs – tailored support to make homeownership more accessible.
We Provide Mortgage Services Nationwide, Including North Carolina, Virginia, and Beyond
In addition to Springfield and Southwest Missouri, our team proudly serves homebuyers across most U.S. states. We are licensed to originate loans in North Carolina, Virginia, Florida, Texas, Georgia, Illinois, Ohio, Pennsylvania, Oklahoma, Oregon, Tennessee, South Carolina, and many more. Whether you’re purchasing your first home in Missouri or relocating across the country, our nationwide reach ensures you’ll receive the same trusted service wherever you’re buying.
Refinance Options SPRINGFIELD, NIXA, OZARK & REPUBLIC
If you own a home in Springfield or nearby communities, refinancing could help you save money or access equity. Our team makes it easy to explore the best program for your needs:
Rate-and-Term Refinance – lower your monthly payment or shorten your loan term.
FHA Streamline Refinance – a simplified process for eligible FHA borrowers.
Cash-Out Refinance – tap into your home’s equity for remodeling, debt consolidation, or major expenses.
Refinancing Available Across Most U.S. States
While many of our clients are in Springfield and Southwest Missouri, we also help homeowners refinance in Arkansas, Alabama, Connecticut, Delaware, Massachusetts, Indiana, Iowa, Kansas, Vermont, and California, along with most other licensed states. Wherever your property is located, the Lower® Mortgage | Key & Compass Team can provide refinancing solutions tailored to your needs.
SPECIALTY LOAN PROGRAMS
SPRINGFIELD, NIXA, OZARK & REPUBLIC
Some borrowers need unique financing solutions, and our team delivers. We help homeowners across Springfield, Nixa, Ozark, Republic, and nearby communities with specialty programs such as:
Jumbo Loans – financing designed for higher-value properties.
Adjustable-Rate Mortgages (ARMs) – lower introductory rates with flexible terms.
Low/No Down Payment Programs – creative options to make purchasing more attainable.
Specialty Mortgage Programs Available Nationwide
Beyond Missouri, we extend our specialty mortgage services to clients across the U.S. We are licensed in Colorado, Oregon, Washington D.C., North Carolina, Virginia, South Carolina, Texas, Florida, Ohio, and many other states. From high-value homes to creative loan solutions, our team ensures you have access to the right programs no matter where you’re located.
Why Work With the Lower® Mortgage | Key & Compass Team
Springfield's Trusted Mortgage Provider
Choosing the right mortgage partner is just as important as choosing the right home. At Lower® Mortgage | Key & Compass Team, we’re committed to making the lending process transparent, personal, and stress-free. Here’s why buyers and homeowners trust us:
Nationwide Licensing: We’re authorized to originate loans in most U.S. states, giving you access to trusted service whether you’re buying in Missouri, North Carolina, Virginia, Texas, or beyond.
Local Expertise: Based in Springfield, Nixa, Ozark, and Republic, we know the Ozarks market inside and out and can guide you through every step of the process with confidence.
Personalized Options: No two buyers are the same. We match you with programs tailored to your income, credit, and long-term goals.
Fast Communication: We keep you informed and supported from application to closing, so you never feel left in the dark.
Competitive Solutions: With access to a wide variety of loan programs, we help you find rates and terms that fit your budget.
"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
How the Mortgage Process Works
Springfield, Ozark, Nixa, and Surrounding Areas
Our step-by-step approach takes the guesswork out of buying or refinancing your home:
Pre-Approval: Start with a simple application to see how much you can borrow and what programs you qualify for.
Loan Matching: We compare FHA, VA, USDA, Conventional, and other programs to find the one that best fits your needs.
Underwriting: Once you’ve selected a loan, our team guides you through required documents and keeps you updated as your application moves forward.
Final Approval & Closing: Review your terms, sign your documents, and get ready to move into your new home or enjoy the benefits of refinancing.
*Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Rates are principal and interest only and do not include taxes, insurance or homeowners dues. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.
States We Serve
Licensed Mortgage Services in Missouri and Nationwide
Whether you’re a first-time buyer in Springfield, refinancing in North Carolina, or purchasing an investment property in Texas, our team provides the same dedicated service and streamlined process nationwide.
Alabama
Arkansas
California – DFPI
Colorado
Connecticut
Delaware
Florida
Georgia
Illinois
Indiana – DFI
Iowa
Kansas
Massachusetts
Missouri
North Carolina
Ohio
Oklahoma
Oregon
Pennsylvania
South Carolina – BFI
Tennessee
Texas – SML
Virginia
Vermont
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