VA Loans
In Springfield, MO & Nationwide
Looking to achieve homeownership with no down payment and flexible terms? VA loans are a powerful benefit available to eligible veterans, active-duty service members, and qualifying surviving spouses. Backed by the U.S. Department of Veterans Affairs, VA home loans make it easier for military families to buy, build, or refinance a home without some of the traditional barriers of conventional financing.
At the Lower® Mortgage Key & Compass Team, we’re licensed in most U.S. states and proudly help military borrowers access the advantages they’ve earned through service.
How VA Home Loans Work
Springfield, Nixa, Ozark & Republic
VA loans provide affordable home financing with unique benefits designed to support service members and their families. Unlike other loan types, VA loans are guaranteed by the Department of Veterans Affairs, allowing lenders to offer competitive terms while minimizing borrower risk.
No down payment required for most borrowers.
No private mortgage insurance (PMI) needed.
Competitive interest rates compared to many loan programs.
Flexible credit standards that account for military life circumstances.
Our Springfield-based team proudly assists veterans throughout Missouri and across the U.S., including states such as Texas, Florida, Virginia, North Carolina, Oklahoma, and more.
Key Benefits of VA Home Loans
$0 Down Payment Options
No Private Mortgage Insurance (PMI)
Competitive, Often Lower Interest Rates
Easier Qualification for Military Families
Available for Purchases & Refinances
Assistance for Disabled Veterans (funding fee waivers available)
Who VA Home Loans Are Best For
Springfield's Trusted Mortgage Provider
FHA loans may be a fit for a variety of buyers, including:
Veterans — Those who served honorably in the U.S. Armed Forces.
Active-Duty Service Members — Military members currently serving who meet length-of-service requirements.
Surviving Spouses — Eligible spouses of service members who died in the line of duty or as a result of a service-related injury.
National Guard & Reservists — With sufficient service history or active duty call-up, Guard and Reserve members may qualify.
Relocating Military Families — Whether PCSing to Springfield, Ozark, or another Missouri community, VA loans help reduce financial stress when moving.
"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 Trust the Lower Mortgage® Key & Compass Team
Springfield, Ozark, Nixa, and Surrounding Areas
Securing your VA loan isn’t just about paperwork — it’s about partnering with a team that understands your unique journey. At the Lower® Mortgage Key & Compass Team, we’re honored to serve those who have served us.
Dedicated Support – From prequalification through closing, we guide military borrowers step by step.
Local + Nationwide Reach – Based in Springfield, licensed in most states, helping families buy with confidence no matter where they’re stationed.
Experience with Military Moves – We understand the challenges of PCS orders and provide solutions tailored to fast relocations.
Personalized Service – We take time to explain your benefits, compare options, and ensure your loan fits your financial goals.
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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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