St Louis Real Estate Search

Mortgage Loan Applications

Many buyers believe in this world of instant gratification, that they can go online, get pre-approved, and then run out and buy a house.   

The reality is that the process is a lot like buying a car. In order to decide if this person is capable of buying a car, the salesperson gets some basic information;  sometimes before they even allow a test drive!   They walk around the corner and run a preliminary credit report.  That's like a pre-approval.   Once the person picks a car and is ready to take it home, the hour long meeting iwth the auto dealership finance manager is where an actual loan application is prepared along with the vehicles purchase order.   

Home buying has its obvious differences.  There are inspections, there are appraisals, there's REALTORS!   

The pre-approval varies depending upon the lending institution.  It could be just a quick credit scan, or it could involve a more careful look at the applicant, including collecting W-2's and bank account information.  Ultimately though, its still just a pre-approval.   Think of the loan officer or lender as a loan salesperson.

Once the home buyer chooses the right home, makes an offer, negotiates with the seller and comes to an agreement, and resolves the inspection contingency*then they are ready to move to the next step in lending...THE LOAN APPLICATION.

Mortgage loan applicationThe Mortgage Application

Like car loans, the mortgage application is on a specific property.   The application collects all the information needed to fully evaluate the applicant and the home.

The typical application will include the following:

 1. Application itself  

 2. Tax Returns for past 3 years

 3.  W-2 Forms

 4.  Bank Account Information

 5.  Investment portfolio information

 6. Explanation letters (for blemishes or abnormal deposits)

 7. Home Appraisal 

 8. Condominium or homeowner association Questionaire (if applicable) 

Once the application is complete with all its associated forms and attachments, it is sent to the underwriting department of the bank to re evaluate the buyer by employees called UNDERWRITERS that don't directly benefit by commissions like the loan officer does.  Their interest is protecting the banks money from an applicant that would be likely to default.

Homes in Sunset Hlils

$500,000
2 Beds ⋅ 2 Baths ⋅ 26050372 MLS ⋅ COMING SOON Status
You do not want to miss this one! Beautifully remodeled and truly move-in ready, this exceptional Sunset Hills home offers the perfect combination of modern updates, timeless character, spacious living areas, and a private backyard retreat in one of the most sought-after communities in St. Louis County. Located within the award-winning Lindbergh School District, this charming 2 bedroom, 2 bath home is filled with natural light and updated spaces that make everyday living and entertaining effortless. The stunning kitchen is a chef's dream and serves as the heart of the home, showcasing a dramatic coffered ceiling, slate tile flooring, gas cooktop, abundant counter space, and a large window overlooking the backyard. The spacious living room features an impressive bay window that floods the space with natural light and creates a warm, inviting atmosphere for gatherings with family and friends. Don't miss the gorgeous gas fireplace in the living room, perfect for upcoming cozy winter evenings! Showings begin 8/7! Just off the main living area, the four-season room provides additional year-round living space and offers the perfect place to enjoy your morning coffee, unwind with a good book, or host guests in every season. Step outside to discover a true backyard oasis featuring a large deck, pergola, mature landscaping, and exceptional privacy. Whether you're grilling, dining outdoors, gardening, entertaining guests, or simply relaxing after a long day, this outdoor living space offers endless possibilities. The oversized primary suite provides a peaceful retreat with plenty of room for a sitting area or home office space. A skylight brightens the primary full bathroom with beautiful natural light, enhancing the home's warm and welcoming feel. The lower level offers extensive storage options, including a convenient walk-in storage closet, providing ample space for seasonal items, hobbies, and organizational needs. This prime Sunset Hills location places you just minutes from Long Elementary, Truman Middle School, and Lindbergh High School, as well as nearby parks, walking trails, golf courses, recreation facilities, shopping centers, restaurants, healthcare providers, and entertainment options. Easy access to Interstate 44 and Interstate 270 makes commuting throughout the St. Louis metropolitan area quick and convenient. Opportunities to own a beautifully updated home with distinctive architectural details, abundant natural light, exceptional outdoor living space, top-rated schools, and a highly desirable Sunset Hills address are rare. This meticulously maintained property delivers the lifestyle today's buyers are searching for in one of St. Louis County's premier neighborhoods. The only thing this home is missing is YOU!

11838 Sunlind Dr, Sunset Hills
$550,000
4 Beds ⋅ 5 Baths ⋅ 26032193 MLS ⋅ ACTIVE Status
Showings begin on Sunday 8/9/2026. Open house Sunday form 1-3:00 pm. Here's the one you've been waiting for! This is a fantastic family home in one of the best neighborhoods in Sunset Hills! The location can't be beat! This home has great bones along with a newer roof and HVAC system. but the price reflects the necssary updates. The seller prefers to sell the home in it's "as-is" present condition. Seller will do no inspections or make any repairs.

8874 Woodpark Dr, Sunset Hills
$1,400,000
5 Beds ⋅ 5 Baths ⋅ 26048815 MLS ⋅ ACTIVE Status
Set along the fairways of Tapawingo National Golf Club on half an acre, 9217 Caddyshack Circle is a five bedroom, five bath home — 4,225 square feet above grade and 1,902 more in a finished walk-out lower level, for 6,127 square feet of finished living space. A glass entry opens to a two-story tiled foyer beneath a turned-baluster staircase. To one side, a formal dining room with crown molding; opposite, a spacious study adjoining the main-floor primary suite. The great room rises two full stories, with a window wall crowned by an arched Palladian framing the fairway, and a gas fireplace with carved mantel, deep crown molding, columned openings, and an overlooking balcony. Wide-plank wood flooring runs through the great room and hallways. The kitchen features a granite island, a professional six-burner JennAir gas range beneath a stainless chimney hood, JennAir built-in refrigerator, JennAir wall oven with warming drawer and microwave, tile backsplash, walk-in pantry, and large-format tile beneath a vaulted, recessed-lit ceiling with an arched window above the sink. A butler's pantry in granite, mosaic backsplash, and beverage refrigerator bridges kitchen and dining room. A breakfast area and vaulted hearth room open to the golf course through banks of windows. A designer powder room, main-floor laundry with cabinetry and utility sink, and a built-in granite desk complete the level. A composite deck extends the entertaining space toward the fairway and woods beyond. The primary suite is entered through double doors: wide-plank wood floor, a private vestibule flanked by dual closets, and a vaulted bath with soaking tub beneath an arched window. A second staircase ascends to an open loft above the great room, a bedroom suite with private bath, and two additional bedrooms sharing a bath. Each is generously proportioned and dressed in plantation shutters. The walk-out lower level adds 1,902 finished square feet: an expansive recreation room, a second full kitchen with bar seating, a theater with projector, screen, and surround sound, a fitness room, a fifth bedroom, and a full bath, with direct access to the spacious resort-like yard. Well suited to extended stays, multi-generational living, or entertaining. All carpet was replaced and the entire interior repainted in July, 2026. Recently installed Hardie board siding, freshly painted, is set against stone and brick veneer, with mature landscaping terraced above a stone wall and irrigation front and rear. Also installed in 2026, roof and 6" gutters. Systems include whole-house water softening, dual zoned natural gas furnaces and central air, newer insulated windows (2023), security system, and an oversized three-car garage. Minutes from Sunset Hills dining and shopping, with I-270 and I-44 close at hand.

9217 Caddyshack Cir, Sunset Hills
$1,499,900
5 Beds ⋅ 5 Baths ⋅ 26048716 MLS ⋅ ACTIVE Status
Welcome to the home where luxury meets everyday living! This exceptional 1.5-story residence offers over-the-top amenities, thoughtful design, and the perfect layout for today's busy family. From the moment you step inside, you'll be captivated by the soaring great room anchored by a cozy gas fireplace and flooded with natural light. The heart of the home is the stunning chef's kitchen, featuring an oversized center island, stainless steel appliances, abundant cabinetry, and seamless flow into the breakfast and living areas—ideal for everything from weekday dinners to weekend entertaining. An elegant dining room sets the stage for holiday gatherings, while the private main-floor office provides the perfect work-from-home space. Retreat to the luxurious main-floor primary suite complete with a spa-inspired bath and an incredible walk-in closet professionally designed with custom organizers. The convenient main-floor laundry makes daily routines effortless. Upstairs, a spacious loft creates the perfect hangout for kids or teens, accompanied by three generous bedrooms, including a private en-suite and two bedrooms connected by a Jack-and-Jill bath. The finished lower level expands your living space with a large recreation area and a private fifth bedroom featuring its own full bath—perfect for guests, in-laws, or an older child seeking extra privacy. Step outside and prepare to fall in love with your own private resort. Spend summer days enjoying the sparkling in-ground pool with slide, host unforgettable gatherings around the custom outdoor kitchen, and unwind around the firepit under the stars. The spacious 3-car garage provides plenty of room for vehicles, storage, and hobbies. This is more than a home—it's the lifestyle you've been dreaming of. Luxury, space, and endless opportunities to make memories, all in one incredible property.

9818 Grandview Lake Ct, Sunset Hills
$3,800,000
26040624 MLS ⋅ ACTIVE Status
8 acres in the municipality of Sunset Hills! Secluded and private acreage to build your dream home. The wooded land is a combination of mostly level and gently rolling terrain. Access to property by easement from Weber Hills Rd. Located in the sought-after Lindbergh school district and conveniently situated near shopping, restaurants, parks, and major highways, this is an exceptional property.

12763 # R Weber Hill Rd, Sunset Hills
$390,000
3 Beds ⋅ 2 Baths ⋅ 26032342 MLS ⋅ ACTIVE Status
Welcome to Sunset Hills—where opportunity, space, and privacy come together on a beautiful 1.1-acre lot! Lovingly cared for over 60 years, this 3-bedroom, 1.5-bath home offers 2,186 square feet of living space and an incredible opportunity to renovate, update, or fully customize to your style. Recent updates provide a solid starting point, including vinyl siding, insulated windows, an updated 200-amp electrical panel, and an updated water heater—allowing you to focus your vision on cosmetic enhancements and modern finishes. With great bones and generous square footage, this home is ideal for buyers looking to build equity or create their dream home in a highly desirable location. Inside, you’ll find spacious bedrooms and multiple living areas designed for flexibility and entertaining. The expansive family room offers endless possibilities for redesign, while the separate living room features a cozy gas fireplace ready for a little TLC to bring back to its full charm. Step outside to the patio overlooking a large backyard surrounded by mature trees and wooded privacy. The 1.1-acre lot provides ample space for outdoor living, expansion, or even possible future additions—making this property a rare find with unlimited potential. Additional features include a 2-car garage and abundant off-street parking. Whether you're an investor, renovator, or buyer with vision, this is your chance to transform a well-maintained home into something truly special in sought-after Sunset Hills. Opportunities like this don’t come around often!

12505 Weber Hill Rd, Sunset Hills
$640,000
4 Beds ⋅ 3 Baths ⋅ 26028707 MLS ⋅ ACTIVE Status

119 Monica Dr, Sunset Hills
$700,000
4 Beds ⋅ 3 Baths ⋅ 26015348 MLS ⋅ ACTIVE Status
Beautifully maintained and updated brick ranch in the highly sought-after Sunset Hills community, within the award-winning Lindbergh School District. The inviting main level features a spacious family room with a charming brick-surround fireplace, seamlessly flowing into an open-concept kitchen and breakfast area. The kitchen is appointed with marble countertops, rich cherry cabinetry and modern stainless steel appliances all with neutral finishes. An additional generously sized family room offers versatile living space and provides direct access to a covered patio-perfect for outdoor entertaining, overlooking the level backyard. The main floor includes four well-appointed bedrooms and two full bathrooms. The finished lower level expands the living space with a sleeping area, full kitchen, full bathroom, a large custom laundry room and abundant storage. Additional highlights include a private backyard lined with mature trees and exceptional parking, with garage and covered driveway space for up to four cars. At the end of a quiet cul-de-sac come move right in!

9443 Oakwood Manor Ln, Sunset Hills
$849,900
5 Beds ⋅ 4 Baths ⋅ 25072395 MLS ⋅ ACTIVE Status
Own a piece of history! First time on market in 80 years! One of the original estates in Sunset Hills from 1922! Stately Entrance to this Updated Classic Brick 2 Story on 1.55 Acres in Prime Sunset Hills Location. This Historic Home is Move in Ready! It features 5 Bedrooms with Private Balcony off the Primary Bedroom, 2 full and 2 half Baths, Beautiful Refinished 100 yr old Hardwoods through most of Home, Stain Glass Windows, Large eat in Kitchen/Breakfast room with 42" Cabinets, Living Room with Gas Fireplace & Stain Glass, Formal Dining room w/ Stain glass and Chandelier, Main Floor Laundry, Lower Level Family Room, Screened Porch, Detached 2.5 Car Garage with 2 carports, New roof, newer 200 amp Electric Panel, whole home freshly painted. Absolute Stunning Level 1.55 Acre lot. A Must See to Appreciate! Close to Highways & Shopping! Located in Top Ranked Lindbergh School District!

9320 Lincoln Dr, Sunset Hills
$739,990
3 Beds ⋅ 2 Baths ⋅ 25071884 MLS ⋅ ACTIVE Status
Monthly Incentive take half off options up to 60,000 that is 30,000 in savings. Welcome to Gates Manor! The Chandler is a to-be-built luxury detached villa featuring over 1,900 sq. ft. of main-level living designed for refined comfort and ease. This open-concept plan showcases a spacious great room with optional vaulted ceilings, a stylish kitchen with large island and walk-in pantry, and a bright dining area that opens to outdoor living—perfect for entertaining or quiet evenings at home. The main floor includes an elegant owner’s suite with a spa-inspired bath and generous walk-in closet, two secondary bedrooms, and a full bath. A private study and main-floor laundry add convenience. The optional finished lower level expands the living space with a large recreation room, two bedrooms with walk-in closets, and a full bath. Low-maintenance living meets refined luxury at Gates Manor. Photos shown are of a display or inventory home not all features are included.

1 Tbb Chandler Gates Manor Ct, Sunset Hills
$729,990
2 Beds ⋅ 2 Baths ⋅ 25071866 MLS ⋅ ACTIVE Status
Limited time incentive take half off options up to 60,000 that is 30,000 in savings. Welcome to Gates Manor! The Sedona is a To-Be-Built luxury detached villa offering refined single-level living with 1,814 sq. ft. of thoughtfully designed space. This open-concept plan features 9 foot ceilings throughout a spacious great room (with optional vaulted ceilings) flowing into the gourmet kitchen and dining area—ideal for everyday living or entertaining. The owner’s suite includes a spa-inspired bath and generous walk-in closet, while a secondary bedroom and full bath provide guest comfort. A versatile drop zone and spacious main floor laundry connecting to the two-car garage add functionality. Expand your living space with the optional finished lower level, offering a recreation room, additional bedroom, full bath, and storage. Choose from three elevations to personalize your home. Low-maintenance living meets elevated design at Gates Manor. Photos shown are of a display or inventory home not all features are included.

1 Tbb Sedonagates Manor Ct, Sunset Hills
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