LOWER® MORTGAGE KEY AND COMPASS TEAM
Ozark's Local Choice for Home Loan and Real Estate Services
Shayla Morton, NMLS ID #2172921, MA License # MLO2172921 – Lower® Mortgage, Equal Housing Opportunity, NMLS ID #1124061 — Licensed Realtor, Valiant Group, RE #2025030602
Looking to buy a home, sell property, or refinance in Ozark, MO? Work with a local mortgage lender and real estate agent who understands the area and puts your goals first. From financing options to property searches, we’re here to guide Springfield families through every step of the process.
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.
Mortgage Pre-Approvals in Days, Not Weeks
Seamless Home Loan & Buying Support in Ozark, MO
Local Real Estate Expertise You Can Rely On in Ozark, MO
Helping Ozark, MO with Home Buying and Selling — Every Step of the Way
About Our Mortgage Lending Partner Lower® Mortgage
Powerful Lending Solutions Backed by Local Expertise in Ozark, MO
Through Lower® Mortgage, Ozark families gain access to strong lending programs and personal support every step of the way. Our partnership ensures you have competitive loan options and a local point of contact you can rely on.
By partnering with Lower® Mortgage, clients benefit from advanced digital tools, responsive support, and transparent loan options that make securing financing for your home straightforward and stress-free.
Mortgage Services with Shay Yates in Ozark, MO
Licensed Loan Officer at Lower® Mortgage
Conventional Home Loans in Ozark
FHA Loans for First-Time Buyers in Ozark
VA Home Loans for Veterans in Ozark
USDA Rural Development Loans in Ozark
First-Time Homebuyer Loan Programs in Ozark
Home Loan Refinancing Options in Ozark
Rate Reduction Refinance Programs in Ozark
Jumbo Mortgage Loans in Ozark
Specialty Loan Solutions in Ozark
Real Estate Services with Shay Yates in Ozark, MO
Licensed Realtor at Valiant Group
Buyer Representation in SpringfielD, Nixa, Ozark, Republic, and beyond
Professional Home Selling Services in Ozark
Local Market Analysis & Pricing Strategy in Ozark
Real Estate Negotiation Expertise in Ozark
Relocation Assistance for Homebuyers in Ozark
Out-of-State Buyer Representation in Ozark
Springfield Property Search Assistance in Ozark
Listing Preparation & Home Staging Advice in Ozark
Open House & Property Marketing Services in ozark
Why Choose Shay Yates Ozark Mortgage Loan Officer and Realtor
When it comes to making major financial and real estate decisions, having someone you can trust makes all the difference. Shay Yates combines her background as a licensed Loan Officer with Lower® Mortgage and her role as a Realtor with Valiant Group to offer Ozark clients a complete perspective. Whether you’re purchasing your first home, refinancing to save money, or preparing to sell, Shay provides clear communication, local market insight, and personalized strategies designed around your goals.
In-depth knowledge of Ozark's neighborhoods and schools
Dual expertise in lending and real estate for a seamless experience
Personalized guidance from first meeting to closing day
Competitive lending options through Lower® Mortgage
Backed by the trusted Valiant Group real estate network
Your Ozark, MO Home Loan & Real Estate Team
Our mission is to help Ozark families achieve their homeownership goals with confidence. By combining mortgage lending with real estate expertise, we simplify the process while keeping your best interests at the center. Whether you’re a first-time homebuyer, refinancing, or purchasing an investment property, we’re here to serve Springfield and nearby communities.
Shay Yates Morton
Christian Schwartz
Mortgage Calculator
Estimate Your Monthly Payment in Springfield, Ozark, Nixa, and Surrounding Areas
See how much home you can afford in Springfield, Ozark, Nixa, and surrounding communities. Adjust the numbers to get a personalized look at your estimated monthly payment.
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*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.
Morton's Mortgage Moments
Your Home Inspection Checklist Plus Things To Watch For
September 28, 2024
Your Step-By-Step Guide To Closing On A House
September 28, 2024
Your FHA Loan Application: 10 Things To Remember
September 28, 2024
"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
Start Your Ozark Home Loan or Real Estate Journey Today
When you’re ready to buy, sell, or refinance in Ozark, trust Shay Yates for reliable guidance and results.
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
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