A branch of Southwest Funding, LP · NMLS #32139Just a text away(417) 849-2430Mon to Fri 9 to 4
True North Yates Group, Southwest Funding
One path, many loans

Mortgage Loans in Springfield, MO and Across 21 States

There is more than one path to a home, and more than one loan to get you there. We help you compare your options and choose the one that fits your budget and long-term goals.

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Shay Yates, Branch Manager and Loan Officer at True North Yates Group in Springfield, MOShay YatesBranch Manager and Loan OfficerMandi Lampe, Loan Officer at True North Yates Group in Springfield, MOMandi LampeLoan OfficerCamie Jelinek, Loan Officer at True North Yates GroupCamie JelinekLoan OfficerAubrey Reason, Loan Officer at True North Yates GroupAubrey ReasonLoan OfficerChristian Schwartz, Loan Processor at True North Yates Group in Springfield, MOChristian SchwartzLoan Processor
Home purchase

Loans for buying a home

True North Yates Group is a Springfield branch of Southwest Funding. We serve Springfield, Nixa, Ozark, Republic, and nearby Missouri communities, and we are licensed in AL, AR, CA, FL, GA, IL, IN, IA, KS, LA, MS, MO, NC, OH, OK, OR, PA, SC, TN, TX, VT.

Flexible

FHA Loans

FHA loans are popular with first-time buyers because of flexible credit guidelines and lower down payment options for eligible borrowers.

Home purchase loans
For Veterans

VA Loans

Financing for qualified Veterans, active-duty service members, and surviving spouses. Shay specializes in guiding Veterans through the VA process.

VA loans
Rural and suburban

USDA Loans

USDA loans are for eligible rural and suburban areas. Property eligibility depends on location, so ask us to check an address.

Traditional

Conventional Loans

One of the most widely used mortgage options, often chosen by buyers with steady income and strong credit, and by repeat buyers.

Your first home

First-Time Homebuyer Programs

Tailored support to make homeownership more accessible. Depending on the program, that can include down payment help or reduced closing costs.

First-time buyers
Refinance

Options for homeowners

Change the terms

Rate and Term Refinance

Change your interest rate, your repayment period, or both. This can reduce monthly payments or shorten the time to pay off your home.

Simplified

FHA Streamline Refinance

A simplified process for eligible FHA borrowers.

Use your equity

Cash-Out Refinance

Use home equity for remodeling, debt consolidation, or major expenses.

All refinance options
Specialty programs

When your situation is a little different

Higher value

Jumbo Loans

Financing for higher-value properties above conventional loan limits.

Introductory rate

Adjustable-Rate Mortgages (ARMs)

An ARM starts with a lower introductory rate and flexible terms. It may suit buyers who expect to sell or refinance within a few years. Ask us how the rate can change over time.

Lower upfront cost

Low or No Down Payment Programs

Options that can make buying more attainable for eligible borrowers.

Self-employed? Start here
How the process works

From first question to closing day

1

Pre-approval

Start with a simple application to see what you may qualify for.

2

Loan matching

We compare FHA, VA, USDA, conventional, and other programs to find the one that fits you.

3

Underwriting

Once you pick a loan, we walk you through required documents and keep you updated.

4

Closing

Review your terms, sign your documents, and get ready to move in or enjoy your refinance.

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Mortgage calculator

Try the numbers

Payment estimator

See how the numbers move

*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.

Estimated payment
$0
Enter a price, a down payment, and a rate to see an estimate.

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FAQ

Quick answers

What is the difference between FHA, USDA, VA, and conventional loans?

FHA loans offer flexible credit guidelines and lower down payment options for eligible borrowers. VA loans serve eligible Veterans, active-duty service members, and surviving spouses. USDA loans are for eligible rural and suburban areas. Conventional loans are a traditional option many buyers choose.

Can you check whether a property is in a USDA eligible area?

Yes. Send us an address and we will help you check.

How does pre-approval work?

You complete a simple application, and we review what you may qualify for. A pre-approval is not a commitment to lend.

Your path home

Start Your Springfield Home Journey Today

Tell us where you want to go, and we will help you map the path.

Buy a HomeRefinance

Or text us anytime: (417) 849-2430