Our Mortgage & REalty Services
Springfield, Ozark, Nixa, & Beyond
At the Key & Compass Team, we’re here to simplify your path to homeownership by offering both mortgage lending and real estate services in one place. Through our partnerships with Lower® Mortgage and the Valiant Group, you can work with a team that supports you from start to finish—whether you’re buying, selling, or financing.
We proudly serve Springfield, MO, and surrounding communities such as Nixa, Ozark, Republic, Battlefield, Rogersville, Willard, and Branson. We also assist clients across multiple states, so you can count on us wherever life takes you.
Mortgage Services With Lower® Mortgage | Key & Compass Team
Springfield, Nixa, Ozark & Republic
With the Lower® Mortgage Key & Compass Team, you get personalized guidance, a variety of loan options, and resources tailored to your needs. We combine modern tools with personal service to help make the loan process as smooth as possible.
Our services include:
Home Purchase Loans – Explore financing options designed to fit your goals.
Refinancing – Review programs that may help reduce your payment, shorten your term, or access home equity.
First-Time Homebuyer Programs – Learn about options that may help with down payments or flexible financing.
Investment Property Loans – Solutions designed for purchasing rental or investment properties.
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.
Real Estate Services- Key & Compass Team with Valiant Group
SPRINGFIELD, NIXA, OZARK & REPUBLIC
Through our partnership with the Valiant Group, we provide real estate services designed to help you buy or sell with confidence.
We assist clients with:
Buying a Home – From searching to closing, we provide support and local market knowledge every step of the way.
Selling a Home – We help you position your property competitively with effective strategies and marketing.
Relocation Support – Moving into or out of the Springfield area? We have trusted connections nationwide to make it easier.
Multi-State Representation – Our team works with clients across multiple states to meet their real estate needs.
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.
"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
Why Work with us for Mortgage and Realtor Services
Best Lender & Realtor in Springfield, MO
At the heart of the Lower® Mortgage Key & Compass Team is Shay Yates Morton, a dedicated professional who combines her background in both mortgage lending and real estate to give clients a truly peaceful experience. Shay understands that buying or selling a home can feel overwhelming, so she focuses on making the process approachable, transparent, and tailored to your goals.
By choosing Shay and the Lower® Mortgage Key & Compass Team, you’ll benefit from:
A trusted professional who understands both sides of the transaction—financing and real estate
Local knowledge of Springfield, MO and the Ozarks housing market
A streamlined process that helps reduce stress and keep you informed
A team committed to relationships, not just transactions
With Shay’s leadership, you get the advantage of experience, compassion, and a personalized approach to help you move forward with confidence.
States We Serve
Licensed Mortgage Services in Missouri and Nationwide
Discover the ease of buying your first Springfield home, unlocking the value of your North Carolina abode through refinancing, or diversifying your portfolio with a Texas property investment. Nationwide, our expert team delivers unwavering dedication and a seamless experience, every step of the way.
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