LOWER® MORTGAGE KEY AND COMPASS TEAM
Best Mortgage And REal Estate Services in Springfield, MO
Shayla Morton, NMLS ID #2172921, MA License # MLO2172921 – Lower® Mortgage, Equal Housing Opportunity, NMLS ID #1124061 — Licensed Realtor, Valiant Group, RE #2025030602
When you’re buying, selling, or refinancing in Springfield, MO, you need more than just a loan officer or an agent—you need a partner who can do both. Lower Mortgage® | Key & Compass Team brings together mortgage lending expertise and real estate guidance to simplify your entire journey. From financing to finding the right property, our team delivers clear communication and trusted results.
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.
Springfield Mortgage Options
Springfield Real Estate Services
One Team, Full Support
Helping Springfield, MO Homebuyers and Sellers — Every Step of the Way
About Our Springfield Mortgage Lending Partner Lower® Mortgage
Powerful Lending Solutions Backed by Local Expertise
Lower® Mortgage provides innovative lending programs and advanced technology nationwide. Partnering with Lower Mortgage® | Key & Compass Team means Springfield clients benefit from national lending power combined with local insight into Springfield neighborhoods, pricing, and real estate trends.
Mortgage Services in SPringfield, MO 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 in SPringfield, MO 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
Shay is uniquely positioned as both a mortgage loan officer and licensed Realtor, offering Springfield families streamlined support for every step of the process.
Dual expertise: mortgage + real estate services in one place
Transparent, honest communication from pre-approval to closing
Backed by Lower Mortgage® and Valiant Group partnerships
Trusted by Springfield families for results-driven guidance
Focused on helping you buy, sell, or refinance with confidence
Your Springfield, MO Home Loan & Real Estate Team
Lower Mortgage® | Key & Compass Team provides Springfield families with mortgage lending, refinancing, and real estate services. Whether you’re buying your first home, upgrading, or refinancing, Shay and her team offer the tools, resources, and support you need for success.
Shay Yates Morton
Christian Schwartz
Mortgage Calculator
Estimate Your Monthly Payment in Springfield, MO
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
Whether you’re ready to buy, sell, or refinance in Springfield, Lower Mortgage® | Key & Compass Team is here to help. Get trusted advice, local insight, and professional support for every step of your homeownership journey.
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
social media
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