We are a Missouri team, so this is home. Whether you are buying in the Ozarks or across the state, we know the ground. If you are planning a purchase in 2027, this guide covers Springfield, Nixa, Kansas City, St. Louis, and St. Charles, the loan types we can help you compare, and the state housing agency that may be worth a look. Shay Yates and the True North Yates Group team are a small, Springfield, Missouri based team licensed to lend in Missouri, and we answer the phone. You can also read our Missouri page for a quick overview.
Where buyers are looking in Missouri
Here is a quick tour of places we hear about often. This is not a ranking and not advice about where anyone should live. It is simply a starting point for your own search.
Springfield
Our hometown. Shay and the team are based here, and the market ranges from historic neighborhoods near Drury and Missouri State to newer homes on the south and east sides.
Nixa
A fast growing city in Christian County just south of Springfield, with lots of newer neighborhoods.
Kansas City
A large metro with a busy market and a wide range of price points, from older homes in the city to newer builds across Jackson, Clay, and Platte counties.
St. Louis
The state's biggest metro by sales volume, with brick homes in the city and a huge range of suburbs across St. Louis County.
St. Charles
A St. Charles County city west of St. Louis with a historic main street and plenty of newer subdivisions, along with growing neighbors like Wentzville.
Loan programs to know in Missouri
Most Missouri buyers end up choosing among a handful of loan types. We compare them side by side for your situation, with no pressure.
- Conventional loans. A flexible choice for buyers with solid credit, and often a good fit for larger purchases or second homes.
- FHA loans. Government insured loans designed with flexible credit and smaller down payments in mind, a common route for first-time buyers.
- VA loans. A benefit for eligible Veterans, service members, and some surviving spouses. Whiteman Air Force Base and Fort Leonard Wood are both in Missouri, and the state has a large Veteran community, so VA loans come up often.
- USDA loans. Missouri has a lot of rural land outside the metro areas, and many communities may be USDA eligible. Check the address on the USDA map and ask us.
- First-time buyer programs. Help from MHDC, covered below.
First-time buyer help from MHDC
Missouri Housing Development Commission (MHDC) is the state agency behind homebuyer programs in Missouri. MHDC offers the First Place Loan Program for eligible first-time buyers and qualified Veterans, with the option of down payment help. It is offered through MHDC certified lenders, so ask us whether you may qualify.
Program details, limits, and which lenders take part are set by the agency and can change, so please check the agency's own site, MHDC, for the latest. We do not want to promise anything the agency has not. What we can do is look at your situation and tell you honestly what to ask about.
A local thing worth asking about
The Springfield and Ozarks area has a growing suburban ring in Christian and Greene counties, and our office is nearby if you would like to meet in person.
How we work with Missouri buyers
The path is the same wherever you are buying. First comes a no pressure conversation about your goals and your budget. Next we look at loan options and, if it makes sense, get you pre-approved so your offer stands out. Once you are under contract, we keep you posted at every step, from the appraisal to the closing table, and we explain each document in plain English. If a question comes up at 9 at night, send a text.
Next steps
Not sure where to start? Start with a simple conversation. We will listen first, then map out a plan that fits your timeline. You can see where we lend on our states we serve page, read the Missouri page, send us a note on the contact page, or start your application. Shay and the team are just a text away.
Frequently asked questions
Is Shay licensed to help with a home loan in Missouri?
Yes. Shay Yates (NMLS 2172921) is licensed through Southwest Funding to originate loans in Missouri. Licensing details are on our Missouri page, and you can verify any loan officer at nmlsconsumeraccess.org.
Does Missouri have help for first-time buyers?
Yes. The Missouri Housing Development Commission offers the First Place Loan Program through certified lenders, with eligibility rules and limits. Ask us whether you may qualify.
Can I come to your office?
Yes. We are based in Springfield, and many buyers also work with us by text, phone, and online. Whatever you prefer.
How do I get started with a Missouri purchase?
Send us a text or fill out the contact form, or start your application online. We will set up a no pressure call, and you are welcome to stop by our Springfield office too.
This post is general information, not financial advice or a commitment to lend. Programs and eligibility vary and are subject to credit and property approval. Talk with a loan officer about your situation.