Our Mortgage Services
At Southwest Funding, we proudly serve homebuyers and homeowners nationwide, with licensing in most U.S. states. Whether you’re purchasing your first home, refinancing to save money, or exploring loan options, our team provides the guidance and programs you need for a smooth mortgage experience. Based in Missouri and serving communities like Springfield, Nixa, Ozark, and Republic, we combine local expertise with the reach and resources to support clients across the country.
Home Purchase Loans
Buying a home in the Springfield metro and surrounding Ozarks communities is easier with the Southwest Funding - Key and Compass Team on your side. We’ll help you find the right program to match your budget and long-term goals:
FHA Loans – flexible options ideal for first-time buyers.
VA Loans – zero-down financing for qualified veterans and active-duty service members.
USDA Loans – affordable solutions for eligible rural and suburban areas, with no down payment.
Conventional Loans – traditional financing with competitive terms.
First-Time Homebuyer Programs – tailored support to make homeownership more accessible.
Refinance Options
If you own a home in Springfield or nearby communities, refinancing could help you save money or access equity. Our team makes it easy to explore the best program for your needs:
Rate-and-Term Refinance – lower your monthly payment or shorten your loan term.
FHA Streamline Refinance – a simplified process for eligible FHA borrowers.
Cash-Out Refinance – tap into your home’s equity for remodeling, debt consolidation, or major expenses.
SPECIALTY LOAN PROGRAMS
Some borrowers need unique financing solutions, and our team delivers. We help homeowners across Springfield, Nixa, Ozark, Republic, and nearby communities with specialty programs such as:
Jumbo Loans – financing designed for higher-value properties.
Adjustable-Rate Mortgages (ARMs) – lower introductory rates with flexible terms.
Low/No Down Payment Programs – creative options to make purchasing more attainable.
"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
How the Mortgage Process Works
Our step-by-step approach takes the guesswork out of buying or refinancing your home:
Pre-Approval: Start with a simple application to see how much you can borrow and what programs you qualify for.
Loan Matching: We compare FHA, VA, USDA, Conventional, and other programs to find the one that best fits your needs.
Underwriting: Once you’ve selected a loan, our team guides you through required documents and keeps you updated as your application moves forward.
Final Approval & Closing: Review your terms, sign your documents, and get ready to move into your new home or enjoy the benefits of refinancing.
*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.
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