Mortgage Help for First-Time Buyers in Columbia

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.