Home Refinance Loans
Trusted Mortgage Guidance Backed by Experience
Your mortgage doesn’t need to stay the same for the life of the loan. Refinancing can help you lower payments, pay off your home faster, or use your equity for major expenses. Whether you live in Springfield, Missouri, or anywhere across the United States, we provide honest, personalized guidance backed by years of experience.
Licensed Nationwide – Experienced in assisting homeowners across most U.S. states.
Local Knowledge – Familiar with the Springfield, Nixa, Ozark, and Republic housing markets.
Proven History – Many families have successfully improved their mortgages through our guidance.
Trusted Network – Partnering with Southwest Funding, an innovative national lender.
"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
REFINANCE LOANS FOR MISSOURI & BEYOND
Lenders Based in Springfield, MO
Every homeowner’s situation is unique. Some aim to reduce interest costs, others want to shorten their repayment term, and many want access to equity. From Springfield to the coasts, our team provides the same level of care and attention to help you make an informed decision about refinancing.
POPULAR REFINANCE PROGRAMS AVAILABLE NATIONWIDE
Rate & Term Refinance
Lower your interest rate, adjust your repayment period, or both. This option helps reduce monthly payments or shorten the time to pay off your home.
Cash-Out Refinance
Turn home equity into cash at closing. Use funds for renovations, debt consolidation, or other large expenses while updating your loan terms.
FHA Streamline Refinance
Current FHA borrowers may qualify for this simplified program, which often requires less documentation and may not need a new appraisal.
VA IRRRL (Interest Rate Reduction Refinance Loan)
A streamlined option for veterans and active-duty military to lower monthly payments or move to a more stable loan structure.
USDA Streamlined Assist
For rural homeowners with USDA loans, this refinance offers reduced paperwork and may help lower payments.
Conventional Refinance
A versatile option for Springfield homeowners with equity, providing competitive rates for both rate-and-term and cash-out refinances.
Jumbo Refinance
For high-value properties exceeding standard loan limits, jumbo refinancing delivers custom solutions for larger balances.
Special & Flexible Programs
Some programs are designed to reduce upfront costs or expand qualification opportunities depending on your needs.
Get StaRTED
Contact Springfield's Trusted Refinance Mortgage LENDERS
Wherever you call home, we are ready to review your current loan and explain your refinance options. We’ll guide you step by step so you can feel confident about your decision, whether you’re in Missouri or across the country.
Contact us
3745 S Fremont Ave STE B Springfield, MO 65804
(Branch NMLS #2424517)
Contact Us: (417) 849-2430
Hours: M-F 8-5pm
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Springfield Nixa Ozark Republic Willard Marshfield
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.
Disclaimers
You are under no obligation to use Southwest Funding as your mortgage lender. You may request reassignment of your loan application or seek financing from any lender of your choice.
Shay Yates, NMLS ID #2172921 – Southwest Funding, Equal Housing Opportunity, NMLS ID #32139