First-Time Homebuyer Loans in Missouri | Compare FHA, VA, USDA & More

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.