Don't Overpay for Your First Home

Buying your first home can be expensive, but it doesn't have to be.

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

Here’s how YOU can keep it."
Most first-time buyers pay full closing costs—but you don’t have to.
With our exclusive commission credit, you can put money back in your pocket when you finance with us.

Can You Relate?

You’re struggling to save enough for upfront costs.
You’re unsure where to start and worried about making mistakes.
You don’t want to overpay on your first home.
You feel overwhelmed by the mortgage process and loan options.
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 all out alone.
We make homebuying easier, more affordable, and we put money back in your pocket at closing.

We've Helped Many First-Time Buyers 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

Personalized Homebuyer Consultation

Get expert guidance on the homebuying process and first-time buyer programs.

2

100% Buyer Agent Commission Credit

Our buyer agent's commission goes toward your closing costs when we finance your loan.

3

One-Stop Real Estate + Lending

A seamless experience with one dedicated team handling everything.

4

Mortgage Rate Shopping

We compare loan options to find you the best deal.

5

First-Time Buyer Perks

Access special low-down-payment programs, and credit improvement support.

6

Faster, Stress-Free Closing

We streamline the process to help you move in sooner.

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?

When you work with FTP Realty, you’re not just getting an agent—you’re getting a smarter, more affordable path to homeownership.

We're Different Because...

We’re not just agents—we’re lending experts too, giving you a complete, streamlined homebuying experience.
No gimmicks, no hidden fees. Just a straightforward way to help you buy your first home without overpaying.
We connect you with the best mortgage options.

Our Easy 3-Step Process

1

Get pre-approved to purchase a home with a quick online process. (No effect on your credit)

2

We reach out directly to discuss the best loan options and set you up with our agents.

3

We close on your home quickly with the best mortgage deal possible, saving you thousands!

Here's How To Save Thousands On Your Purchase...

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 full closing costs—no commission credit.
You deal with multiple companies, making the process harder.
You risk overpaying on your mortgage or missing key savings.
You feel lost navigating the homebuying process alone.

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 buyers 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! The commission credit comes from the buyer’s agent fee, which the seller pays. Instead of keeping it, we apply 100% toward your closing costs.

What's the catch?

No catch. No hidden fees. Just work with our real estate and lending team, and you’ll keep thousands at closing.

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.
No problem! We help you find first-time buyer grants and low-down-payment mortgage options.

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!
Full Name

Let's find you 

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.