Buying your first home doesn’t have to feel like running a marathon in dress shoes.

We’ve all heard the stories:
– Endless paperwork
– Confusing calls
– Agents that ghost you
– Lenders who take 3 weeks to email back

At FTP Realty, we do it differently.
We built a system that’s fast, simple, and actually built around you.

Let’s show you how we speed things up without cutting corners.

Homebuying Doesn’t Have to Be Slow or Stressful

Think homebuying has to take 3+ months, 15 people, and one full-blown meltdown?

Not with us.

We help first-time buyers in Columbia and Boone County move from “just looking” to “keys in hand” way faster than the old-school approach.

Why? Because we cut out the middlemen—and the confusion.

The Problem with Traditional Agents and Lenders

Here’s what normally happens:

1. You find a house
2. Your agent sends you to a lender
3. That lender sends you a list of documents
4. You send them in... and hear nothing for 10 days
5. You stress, wait, and repeat

By the time things move forward, the home is gone—or your sanity is.

Our Process: Real Estate + Lending = Speed

At FTP Realty, we’re your agent and lender in one.

That means: – No bouncing between teams
– No waiting on replies
– No miscommunication
– No unnecessary delays

We handle the full process, from showing homes to closing loans—under one roof. So you move faster and more confidently every step of the way.

No Surprise Fees. No Wasted Time. Just Results.

When you work with us, you get:

✅ Transparent pricing
✅ Real-time updates
✅ 100% commission credit applied to your loan
✅ A timeline that fits your life—not someone else’s calendar

And because we know the Columbia market inside and out, we help you move fast without missing important details.

From Pre-Approval to Keys—Here’s the Fast Track

Here’s how we make it happen:

1. Start with a free consult (we talk goals and budget)
2. Get pre-approved quickly
3. Start shopping with one expert guiding you
4. Use your commission credit at closing
5. Move into your new home—with cash left over

We’ve helped buyers go from first consult to closing in as little as 3 weeks. No kidding.

Ready to Move?

Your time is valuable. So is your money.

Let’s help you buy a home—without the long wait, the back-and-forth, or the chaos.

Let’s move fast. Let’s keep it simple. Let’s get you home by filling out the form below.

Buying your first home? One word matters more than square footage: financing.

A killer kitchen won’t help if your loan is a disaster.
That’s why we help you choose the right mortgage first—before you fall in love with a listing.

Let’s break down the most common first-time buyer loans—and how to find your perfect match.

Don’t Pick a Loan at Random—Pick the Right One

Not all loans are created equal.
Some are made for first-timers. Others are built for buyers with big down payments or military service.

But here’s the deal: most lenders only push the loan they prefer.
We don’t play that game.

At FTP Realty, we help you choose what’s best for your budget, credit, and future plans.

The 4 Most Popular Loans for First-Time Buyers

Here’s your quick-start guide:

1. FHA Loan

– 3.5% down
– Flexible credit requirements
– Great for lower-income or first-time buyers

2. Conventional Loan (First-Time Buyer Friendly)

– 3% down options available
– Lower mortgage insurance over time
– Great if your credit is solid

3. USDA Loan

– 0% down
– For rural or semi-rural areas (yes, parts of Boone County qualify)
– Income limits apply

4. VA Loan

– 0% down
– For eligible veterans and active-duty military
– No mortgage insurance, great rates

How FTP Realty Helps You Compare

We don’t just say “You’re approved.”
We explain what you’re approved for—and why it matters.

Our loan comparisons show: – Monthly payments
– Upfront costs
– Lifetime interest paid
– Best loan for your long-term financial goals

You’ll never wonder “Did I get the best deal?”—you’ll know you did.

Loan Strategy > Loan Speed (Here’s Why That Matters)

Some lenders brag about approvals in 10 minutes.
Cool. But did they pick the right loan? Did they explain anything?

Fast isn’t smart unless it’s also right.

At FTP, we build your loan strategy around: – Your budget
– Your goals
– First-time buyer programs
– Long-term flexibility

You get more than a rate—you get a plan.

Let’s Find the Loan That Works for You

Here’s your move:

1. Start with a free consult
2. We’ll break down your options—clearly
3. You choose the loan that fits your life, not just your price tag

Plus, don’t forget:
📉 You get our 100% commission credit added to your loan
💰 You can stack first-time buyer programs on top
🎯 We handle real estate + lending together, so it’s one smooth ride

Your First Home Deserves the Right Loan

You only buy your first home once. Let’s do it right.

We’ll guide you, explain everything, and help you lock in the best loan for your future—not just your closing date.

Book your free buyer consult today by filling out the form below.
We’ll get you approved and empowered.

Let’s be honest: mortgages can feel like a different language.

APR. PMI. DTI.
And don’t even get us started on “escrow.”

It’s no wonder most buyers just nod, sign, and hope for the best.

At FTP Realty, we say: No more guessing.
We break the mortgage process down in plain English—so you can make smart moves, not blind ones.

Mortgages Don’t Have to Be Complicated

You shouldn’t need a finance degree to buy your first home.
But you should understand what you're signing up for.

That’s where we come in.

We’re not just your agent—we’re your licensed lender too.
That means you get straight answers from day one. No jargon. No games. No crossed wires.

The Big Mistake Most Buyers Make (And How to Avoid It)

Here’s what a lot of first-time buyers do:

– Find a home
– Google “mortgage”
– Click an ad
– End up with a lender who gives them a “meh” rate and little guidance

The result?
Confusion. Bad terms. Higher costs.

Our approach flips that script.
We start with the loan strategy, so every home you look at fits your budget—and your long-term goals.

How FTP Realty Breaks It Down Step-by-Step

We don’t drop a bunch of rates and acronyms in your lap.

Instead, we guide you through: – What you can afford vs. what you should spend
– What loan programs you qualify for (including first-time buyer perks)
– What your monthly payment will actually look like
– How interest rates and closing costs affect your bottom line

You get a full financial game plan—before you ever make an offer.

Choosing the Right Loan—Not Just the First One Offered

There’s no “one size fits all” mortgage.
Banks might push what’s best for them. We show you what’s best for you.

We’ll compare: – FHA vs. conventional vs. USDA vs. VA (if eligible)
– 15-year vs. 30-year terms
– Fixed rates vs. adjustable (and when to avoid each)
– Real-world costs side-by-side

You’ll understand exactly what you're getting—and why it’s the right move.

Ask Anything. We’ll Translate It.

Confused by a loan estimate?
Heard a scary mortgage myth?
Not sure what your bank just emailed you?

Send it our way.
We’ll break it down—no judgment.

This is a partnership. You ask, we answer.

Smart Mortgages Start Here: What to Do Next

Here’s how we help you borrow smarter:

1. Book a free consult (we talk goals, not just rates)
2. Get pre-approved fast
3. Build a loan strategy before you house hunt
4. Apply your 100% commission credit at closing
5. Own a home that fits your life and your wallet

Mortgages Don’t Have to Be Messy

We’ve helped dozens of buyers in Columbia and Boone County go from “no clue” to “I’ve got this.”

Now it’s your turn. Fill out the form below to get started.

Let’s simplify the mortgage. Let’s get you home.

Let’s be real—homebuying can feel like a mess.

You’ve got your agent.
Your lender.
Your underwriter.
Your appraiser.
Your anxiety.

Now imagine handling all that with just one person—someone who knows both sides, keeps you informed, and actually puts money back in your pocket.

That’s us.
That’s FTP Realty.

Here’s how we simplify the homebuying process (without oversimplifying your options).

The Problem with Traditional Homebuying

Here’s what “normal” looks like: – You find an agent
– They refer you to a lender
– That lender refers you to another loan officer
– That loan officer calls you three days later
– You’re already confused, behind, and a little annoyed

Every step adds more people. More steps. More room for miscommunication.

And guess who pays the price? You.

What We Do Differently (And Why It Works)

At FTP Realty, we have real estate agents and lenders in one convenient place.

We don’t refer you to someone else—we are that someone else.

So from consult to closing, it’s one pro, one plan, one clear path.

Fewer people. Fewer fees. Way fewer headaches.

One Pro. Zero Confusion.

Buying a home has a ton of moving parts.

You’ve got:
– Offers
– Contracts
– Negotiations
– Inspections
– Loan terms
– Disclosures

We handle it all.
Because we’re qualified to do it all.

That’s dual-capacity representation.
It means less stress for you—and more control from day one.

How We Save You Time, Stress, and Serious Money

Let’s talk perks.

✅ We give you 100% commission credit toward your loan
✅ We cut out third-party fees
✅ We close deals faster
✅ We handle the paperwork so you don’t have to

The result? You save thousands—and sleep a whole lot better at night.

The Fast-Track to Closing in Columbia, MO

You want to buy a home without losing your mind.
We’ve got the blueprint.

Here’s what it looks like:

1. Book your free consultation
2. Get pre-approved fast
3. Work with one expert (not five)
4. Use your commission credit to lower your costs
5. Close with confidence

Boom. Welcome home.

Homebuying, But Make It Easy

We built FTP Realty because we knew buyers deserved better.

Better service.
Better savings.
A simpler path to their first home.

You don’t need five people.
You don’t need a spreadsheet to track emails.
You just need one team that does it all.

Let’s simplify your homebuying journey—starting now.
Book your free consult here or fill out the form below.

Buying a home starts with one word: pre-approval.

Not listings. Not showings. Not Zillow binges at 2 a.m.

Just one powerful step that sets everything else in motion.

At FTP Realty, we make it fast, free, and zero-pressure.
No headaches. No hard sells. Just answers.

Let’s break down what it is—and how you can start yours today.

What Is Pre-Approval—and Why It Matters More Than You Think

Pre-approval is a green light from a lender.
It tells sellers, “Hey, this buyer is serious. And ready.”

It shows: – How much home you can afford
– What your monthly payment might look like
– That you’re not just browsing—you’re buying

In hot markets like Columbia, MO?
Pre-approved buyers win. Everyone else gets left behind.

How FTP Realty Makes It Fast, Free, and Painless

Forget the paperwork pile.
Forget waiting weeks.
Forget fax machines (what year is it?).

With FTP Realty, pre-approval is: – 100% digital
– Takes minutes
– Totally free
– Reviewed by licensed mortgage pros (that’s us)

You get real numbers, real answers, and a real edge.

No Credit Damage, No Commitment, Just Answers

Worried about your credit score? Don’t be.

We start with a soft pull, so there’s no hit to your credit.
Just clarity.

And you’re not locked in.
If you decide to go a different direction? That’s fine.
We’re here to help, not hold you hostage.

Here’s What You’ll Need to Get Pre-Approved (It’s Easier Than You Think)

You don’t need a vault of documents.
Just a few basics: – Income info
– Credit range
– Job status
– A rough idea of your budget

That’s it. We’ll take it from there.

Why Pre-Approval Gives You the Upper Hand in This Market

Sellers love pre-approved buyers.
Agents prioritize them.
You’ll move faster, negotiate stronger, and feel way more confident.

Think of it like getting your gear before the hike.
You wouldn’t climb a mountain in flip-flops.
So don’t house hunt without pre-approval.

Get Started in Minutes—Right Here, Right Now

Here’s your move:

1. Tap this link to start pre-approval
2. Fill out a quick form
3. Get real numbers—and real momentum

You’ll know exactly where you stand.
And when the perfect home pops up? You’re already ready.

Let’s Get You Approved

This is the easiest big decision you’ll ever make.

✅ No pressure
✅ No cost
✅ No guessing

Just clarity. Confidence. And your first big win on the path to homeownership.

Let’s do this. Get started by filling out the form below.

Buying your first home? You’ve probably got a million questions.
And zero clue where to start.
We get it. That’s exactly why we offer free homebuyer consultations—no strings, no pressure, just real talk.

This isn’t a sales pitch. It’s your cheat code to buying smarter, faster, and with way more confidence.

Let’s break it down.

Let’s Start with the Basics: What’s a Free Consult, Anyway?

It’s a one-on-one chat with a dual-licensed agent (that’s us).
We’ll walk you through the homebuying process from A to Z—on your timeline, in your language.

Whether you’ve got 20 questions or just want to know what homes cost in Columbia, MO—we’re here for it.

Phone call? Zoom?
You choose. We’re flexible.

Here’s What You’ll Learn in 30 Minutes (or Less)

• ✅ What you can afford (and how to increase your buying power)
• ✅ How our 100% commission credit saves you thousands
• ✅ What first-time buyer programs you might qualify for
• ✅ The smartest next step (based on your situation)

You’ll walk away with a clear plan—not a brochure.
And if you’re not ready to buy right now? That’s totally cool.

No Pressure. No Fees. Just Clarity.

Let’s be honest: real estate can feel like a shark tank.

We’re the lifeguards.

This isn’t a trap to get your email and spam your inbox.
It’s a no-cost conversation with a local expert who’s been there, closed that.

Our goal? Make you the smartest person in the room when it comes to buying your first home.

Why It Matters: The Buyers Who Skip This Step Usually Regret It

We’ve seen it too many times:

– Someone skips the consult
– Starts house hunting blind
– Gets overwhelmed, over budget, and underprepared

This is the step that saves you stress later.
We’ll help you avoid rookie mistakes, ask smarter questions, and move with confidence.

A little prep now = massive peace of mind later.

How to Book Your Consult Today (It’s Fast + Free)

📞 Ready to get started? Here’s how:

1. Visit ftpmo.com/first-time-homebuyers
2. Pick a time that works for you
3. Show up with questions—we’ll handle the rest

You’ll leave with answers, clarity, and a path forward.

And hey, worst case? You got free advice and a solid plan.
Best case? You find your dream home and keep thousands more in your bank account.

Let’s Talk

You deserve to know what you're getting into—before the paperwork, the pressure, or the price tag.

Let’s make that happen.

Book your free homebuyer consultation today.
We’ll bring the insights. You bring the questions.

Sounds too good to be true, right?

You buy a home.
We do the paperwork.
You get our entire buyer agent commission (FTP Realty's commission), credited to your loan.

Yes. All of it.
Not a portion. Not a rebate.
100%.

This isn’t some shady marketing trick. It’s the real deal—and it’s saving first-time buyers in Columbia and Boone County serious money.

Let’s break it down. Fast and simple.

Wait—You Give Back the Commission?

Exactly.

Here’s how it works: when you buy a home, the seller pays our commission. But instead of pocketing it, we give it all back to you—as a direct credit toward your mortgage.

Most agents keep that money.
We give it to you.

Why? Because we also handle your loan.
That’s the magic of dual-licensed agents.
We play both roles—real estate and mortgage—so you only work with one expert.
Less hassle. More savings. Zero fluff.

How the 100% Credit Actually Works (Step-by-Step)

Let’s say you’re buying a $300,000 home.
Typical buyer’s agent commission? Around 3%. That’s $9,000.

Most agents? They keep that.

FTP Realty? We apply that $9,000 as a credit toward your loan.
It’s real money off your bottom line—less out of pocket, smaller loan amount, lower closing costs.

Here’s the play-by-play:

1. Seller pays the agent commission.
2. FTP Realty applies the full amount to your loan at closing.
3. You save thousands instantly.

Simple. Transparent. Powerful.

How Much Money Can You Actually Save?

Let’s talk real numbers.

Home Price	Typical Buyer Commission (3%)	Your Commission Credit
$250,000	$7,500	$7,500 credit to you
$300,000	$9,000	$9,000 credit to you
$350,000	$10,500	$10,500 credit to you

Imagine what you could do with that money: – Cover closing costs
– Lower your monthly payment
– Upgrade your kitchen
– Not panic about your bank account

Yeah. It adds up fast.

What’s the Catch? (Spoiler: There Isn’t One)

No fine print.
No bait-and-switch.
No “only on Tuesdays if the moon is full” clauses.

Just one condition: you finance with FTP Realty.
Because we handle your mortgage too, we’re able to skip the middlemen and pass those savings straight to you.

We’re not here to nickel-and-dime you.
We’re here to make buying a home less stressful—and a whole lot smarter.

Why Dual-Licensed Agents Make This Possible

Most real estate agents don’t touch loans.
And most lenders don’t know squat about showings, contracts, or negotiations.

We do both.
Our agents are also licensed loan officers. That means: – Fewer fees
– Faster communication
– One point of contact from offer to close
– And yep, that 100% commission credit

It’s everything you need—without the chaos you don’t.

How to Get Your Commission Credit with FTP Realty

Here’s how to get started:

1. Book your free consult (zero pressure, all clarity)
2. Get pre-approved—we’ll show you what you can afford
3. Start house hunting with one expert guiding the way
4. Apply your commission credit and save thousands

If you’re buying in Columbia or Boone County, this is your move.
We’re local. We’re licensed. And we’re ready to back you up (and credit you forward).

Let’s Flip the Script on Real Estate

Forget the old rules.
The hidden fees.
The “agent gets paid, buyer gets nothing” playbook.

We’re rewriting it—with you in mind.

💡 100% commission credit.
📉 Lower loan costs.
🧠 One expert.
🎯 One goal: your success.

Let’s find your perfect home. And let’s make it affordable.

Ready? Book your free consult here or fill out the form below.

So you’re buying your first home.
Exciting? Absolutely.
Expensive? You bet.
But here’s the thing: it doesn’t have to be.

At FTP Realty, we believe first-time homebuyers should start strong—not stressed. That’s why we’ve lined up serious buyer incentives that put money back in your pocket. We're talking thousands in savings, real fast.

From commission credits to fee-free consultations, these perks aren’t fluff—they’re fuel for your homebuying journey. Let’s break down exactly how you can save big, move fast, and feel confident every step of the way.

1. 100% Commission Credit When You Finance With Us

Here’s the headline: we give you every penny of our buyer agent commission (FTP Realty's commission).

That’s right—100% commission credit straight to your home loan.
Why? Because we play both sides—in your favor.

Our agents are also loan officers. That dual-license magic means we close deals faster, smarter, and cheaper. You get one pro, two services, zero confusion.

This isn’t a cashback gimmick. It’s real money off your mortgage.
It’s how we turn “I wish I could afford it” into “Let’s do this.”

2. Zero-Cost Buyer Representation

You pay nothing to work with us as your buyer agent.
Zip. Nada. Zero.

In Missouri, the seller covers the agent commissions. So you get expert guidance from day one—without spending a dime.

And since we also handle your loan, there’s no bouncing between teams or losing time (and patience) with phone tag.

One point of contact. One streamlined process. One giant leap closer to home.

3. Lower Loan Fees With FTP’s All-In-One Process

When you split your agent and lender, you get hit with fees.
Coordination costs. Delays. Red tape.

When you work with us? That disappears.

We cut out the middle steps (and middlemen). That means lower closing costs and fewer third-party headaches.

And because we do it all in-house, you don’t wait weeks for a decision—we get it done now.

4. Free Consult + Instant Pre-Approval = Smart Start

Not sure where to begin? Start here.

We offer a free homebuyer consultation and no-cost loan pre-approval—because clarity shouldn’t come with a price tag.

We’ll break down what you can afford, how to strengthen your offer, and what to expect every step of the way.

No pressure. No sales pitch. Just smart guidance from local pros.

How to Claim Your Incentives and Get Started

If you’re in Columbia or Boone County, these buyer perks are waiting for you.
And you don’t need a perfect credit score or a massive down payment to qualify.

👉 Book your free consult
👉 Get pre-approved in minutes
👉 Start house hunting with confidence

We’ll help you secure the home you love—with the mortgage (and savings) you deserve.

Let’s Make Your First Home Feel Like a Win

No stress. No fluff. Just real savings and a smarter way to buy.

Have questions? We’ve got answers. Ready to roll? Let’s go.
Book your consult today by filling out the form below and unlock every incentive you’ve earned.