Don't Overpay for Your First Home

First-time buyers are leaving thousands on the table. Let’s make sure you’re not one of them.

Schedule Your Free Strategy Session

"Discover How Other Buyers are Leaving Thousands on the Table—

And How YOU Can Save Big!"

You’re buying your first home—but that doesn’t mean you should pay more than you have to. With our exclusive first-time buyer credit, in-house lending, and expert guidance, you’ll save money and gain peace of mind.

Can You Relate?

You’re not sure how much home you can afford
You’re worried about your credit or approval odds
You’ve heard horror stories about hidden fees
You want expert help—but not pushy sales tactics
You wish there was a way to make buying a home less expensive and less stressful.
Good news—you don’t have to figure it out alone.
FTP Realty exists to help first-time homebuyers save money and buy smart.

We've Helped Many First-Time Homebuyers Save Thousands...

Our commission credit model has helped hundreds of homebuyers reduce their closing costs.
“Justin was knowledgeable and friendly. He did a lot of work behind the scenes to get us to our closing date on time. ”
Jeffry J
Would Recommend
“My wife and I would like to thank each one of you, even the ones I didn’t work with directly. We’d like to thank you all for your time, effort, and commitment for making this happen. You guys are awesome! ”
Collin Y
Would Recommend
“Justin is a Professional that is Heavily Invested in assisting Veterans and their Families get the Home of their Dreams fast, effective and efficiently as possible. ”
Corey B
Would Recommend

Why Work With Us?

1

100% Buyer Agent Commission Credit at Closing

When you finance through FTP Realty, we refund 100% of your real estate agent’s commission directly back to you. That’s thousands of dollars you can use for closing costs, renovations, or just saving for the future.

2

First-Time Buyer Program Access

We help you tap into Missouri’s best first-time homebuyer programs, including down payment assistance and low-interest mortgage options designed to lower your upfront costs.

3

Credit-Friendly Loan Options

Whether your credit is excellent or just getting there, we work with lenders who understand first-time buyers. We’ll help you improve your credit score if needed and match you with flexible, affordable financing.

4

Affordable Home Listings in Columbia

Our buyer agents focus exclusively on homes that fit your budget and lifestyle. From starter homes to hidden gems, we help you find affordable homes in the best Columbia neighborhoods.

5

No Hidden Fees or Middlemen

Unlike traditional agents, we don’t charge you surprise fees. You’ll see exactly what you’ll pay—before you sign anything. No administrative fluff. No markups. No last-minute surprises.

6

Transparent Process with Real Experts

You get one expert team handling both your home search and your mortgage—start to finish. We explain every step in plain English, so you always know what’s happening and why.

No extra costs. No hidden fees. Just real savings and a smoother homebuying experience.

How Can You Do This, But Other Real Estate Agents Can't?

Great question. Unlike most agents, we’re dual-licensed. That means we represent you as both your buyer’s agent and your lender—cutting out the extra commissions and refunding 100% of ours to you.

We're Different Because...

One team handles everything—from search to loan to closing.
You get the savings, not the runaround.
We care more about your win than our wallet.

Our Easy 3-Step Process

1

Get Pre-Approved

We assess your budget, credit, and match you with the best homebuyer programs.

2

Find & Finance Home

We tour homes, compare rates, and lock in financing—all in one workflow.

3

Close & Save

You receive a 100% buyer agent's commission credit at closing and move in with lower costs.

1

Dual-Capacity Representation
Our agents act as both your buyer’s agent and loan officer, providing comprehensive, and more knowledgeable service.

2

Commission Credit:
As your real estate agent, we negotiate a commission with the seller and give 100% back to you as credit on your home loan.

3

Transaction Efficiency:
We eliminate unnecessary steps and fees, ensuring you get a excellent deal on your home loan.

Two Paths. One Smart Choice.

The choice is simple. Let’s make buying your first home easier and more affordable—starting now.

Option 1

You Go the Traditional Route

You pay your buyer agent’s commission (typically 3% of purchase price).
You get limited loan guidance.
You risk overpaying on your mortgage or missing key savings.
You leave money on the table.

Option 2

You Work With Us & Save Thousands!

You buy your first home without overpaying.
You get thousands in commission credit toward closing costs.
You enjoy a stress-free process with expert guidance.
You move in sooner with a lower upfront cost.

Our Guarantee

No Risk, Just Rewards.

No Hidden Fees. No Surprises.
The buyer agent's commission credit is yours when you finance with us—guaranteed.

Full Transparency, No Gimmicks.
We break down every dollar so you know exactly what you’re saving.

We Work for YOU, Not Just a Commission.
Our goal is to help you save as much as possible, every step of the way.

We stand by our promise—because first-time homebuyers deserve a better way to buy a home.

Frequently Asked Questions

Have some questions about our services? Check out the answers below

How can you represent buyers at no cost?

Our unique business model allows us to credit our commission back to you, ensuring you save on closing costs and / or your interest rate.

Is this service available everywhere?

Our dual capacity agent service is currently available in Boone County, MO. However, other markets / areas are coming soon.

Is this really free money?

Yes. It’s your money—we just help you keep it.

What's the catch?

No catch. No gimmicks. Just a smarter structure.

Do I have to use your mortgage service to get the commission credit?

Yes, that’s how we make this possible! By handling both your real estate and loan, we streamline the process and pass the savings to you.

What if my credit isn’t perfect?

We offer free credit guidance and connect you with credit repair specialists if necessary.

Why Now?

There’s no risk, no obligation—just a smarter way to buy your first home. Schedule your free consultation today!
Home prices and interest rates fluctuate. Waiting could mean higher costs and missed opportunities.
This buyer agent's commission credit is only available when you buy & finance with us. Don’t leave money on the table!
The best homes sell fast. Get pre-approved now so you can make a strong offer when you find the right home.

Want To Get In Touch?

Whether you have a question, feedback, or need assistance, we're just a message away. We value your time and look forward to assisting you!

Let's find you a home you deserve with the mortgage you deserve. 

Discover your perfect home with FTP Realty-where your needs meet expert guidance and unbeatable savings.
Justin Mongler NMLS# 1963138 | Company NMLS# 222982

We specialize in mortgage banking, offering a comprehensive range of mortgage products and services to help both homebuyers and Property Investors achieve their goals of home ownership.

Lending, in 40 States for homebuyers and all 50 states for real estate investors.

© FTP Realty & Neighborhood Loans – All Rights Reserved.