LOWER® MORTGAGE KEY AND COMPASS TEAM
Springfield’s Trusted 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
Whether you’re a first-time homebuyer, refinancing, or selling and purchasing your next home, Shayla Morton offers mortgage loan solutions and real estate expertise to help you achieve your goals. Serving Springfield, Nixa, Ozark, Republic, and surrounding Missouri communities, Shayla streamlines the lending and home-buying process so clients enjoy a smoother experience from start to finish. With local market knowledge, access to multiple loan programs, and skilled negotiation, she helps you move from application to closing with confidence.
We also service Southwest Missouri, Northwest Arkansas, and Northeast Oklahoma, helping clients throughout the region with their home loan and real estate needs.
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
Local Real Estate Expertise You Can Rely On
Helping Springfield, MO Homebuyers and Sellers — Every Step of the Way
About Our Mortgage Lending Partner Lower® Mortgage
Powerful Lending Solutions Backed by Local Expertise
Lower® Mortgage is a nationally recognized mortgage lender committed to making the home loan process simpler, faster, and more affordable. As a Mortgage Loan Originator with Lower® Mortgage, NMLS ID #1124061, Shayla Morton has access to a wide range of competitive loan programs — from conventional loans to FHA, VA, and USDA options — to fit the unique needs of homebuyers in Springfield, Nixa, Ozark, Republic, and surrounding Missouri communities.
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
Licensed Loan Officer at Lower® Mortgage
Conventional Home Loans
FHA Loans for First-Time Buyers
VA Home Loans for Veterans
USDA Rural Development Loans
First-Time Homebuyer Loan Programs
Home Loan Refinancing Options
Rate Reduction Refinance Programs
Jumbo Mortgage Loans
Specialty Loan Solutions
Real Estate Services with Shay Yates
Licensed Realtor at Valiant Group
Buyer Representation in SpringfielD, Nixa, Ozark, Republic, and beyond
Professional Home Selling Services
Local Market Analysis & Pricing Strategy
Real Estate Negotiation Expertise
Relocation Assistance for Homebuyers
Out-of-State Buyer Representation
Springfield Property Search Assistance
Listing Preparation & Home Staging Advice
Open House & Property Marketing Services
Why Choose Shay Yates Springfield Mortgage Loan Officer and Realtor
Choosing the right mortgage loan officer and real estate agent can make all the difference in your home buying or selling experience. As a Mortgage Loan Originator with Lower® Mortgage and a Licensed Realtor with Valiant Group, Shay Yates offers a rare combination of skills that help Springfield-area clients succeed in today’s competitive market.
Local expertise with a personal touch
Access to a variety of mortgage programs through Lower® Mortgage
Skilled negotiation for buyers and sellers
Responsive, clear communication throughout the process
A seamless client experience from application to closing
Your Springfield, MO Home Loan & Real Estate Team
When you choose LOWER® MORTGAGE KEY AND COMPASS TEAM as your real estate and mortgage lending provider, you’re getting more than just one professional — you’re gaining a team dedicated to helping you achieve your homeownership goals. Based in Springfield, Missouri, and proudly serving Nixa, Ozark, Republic, Branson, Willard, Rogersville, and surrounding communities, Shay partners with trusted industry professionals to make your home buying, selling, and financing experience as smooth as possible.
From mortgage pre-approval to property search, negotiations, and closing, Shay and her support team guide you every step of the way, offering clear communication, local expertise, and access to the best resources available in Southwest Missouri, Northwest Arkansas, and Northeast Oklahoma.
Shay Yates Morton
Christian Schwartz
Mortgage Calculator
Estimate Your Monthly Payment in Springfield, Ozark, Nixa, and Surrounding Areas
Quickly estimate your monthly mortgage payment for homes in Springfield, Nixa, Ozark, Republic, and nearby Missouri communities. Adjust the numbers to compare conventional, FHA, VA, and USDA options and see how rate, term, and down payment affect your budget.
Your Estimated Monthly Payment
*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 Springfield Home Loan or Real Estate Journey Today
Work with Shay Yates, your local mortgage loan officer and real estate agent, serving Springfield, Nixa, Ozark, Republic, and surrounding Missouri communities. Whether you’re buying your first home, refinancing, or selling and purchasing your next, we’re here to guide you every step of the way.
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