Home Loans Made Simple.
Backed by Heart.
Serving Southwest Missouri, Northwest Arkansas & Northeast Oklahoma
Buying a home doesn’t have to be complicated—and with Shay Morton and her team at Lower®, it never is. Whether you’re a first-time buyer, looking to refinance, or ready to make a move, we walk with you every step of the way to make the process clear, personal, and powerful.
Fast, personalized pre-approvals
Clear guidance from real people
Backed by technology & heart
Let’s simplify your home journey—starting today.
About Lower
Big Support. Local Feel. Powered by Lower.
Lower® is a national home finance platform built for people, not paperwork. We combine smart technology with human-centered service to make getting a mortgage feel like a win—not a hassle.
With access to competitive rates, an intuitive digital platform, and a local expert like Shay by your side, you can confidently take the next step in your home journey.
Why Lower?
National strength with local support
Simple tools + expert guidance
A mission to make homeownership accessible and stress-free
Meet the team
Shay Morton
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Lower Local
Christian Schwartz
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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
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Real People. Real Wins. Real Reviews.
We could talk all day about how much we care—but our clients say it better than we ever could.
"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
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Shay Morton Mortgage Team
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© 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
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