St Louis Real Estate Search

Loan Commitment:  Part of the Process

In the St Louis area, the the Realtor Association and Bar Association Residential Sale Contract includes language that allows a home buyer to apply for a loan and the means to back out of the contract due to the inability to obtain financing.  There is a deadline in which this contingency must be excercised, which is called the loan commitment date.  The section of that contract is below:

"If Buyer does not deliver written notice, provided by Buyer's lender, to Seller or listing

Broker, of Buyer's inability to obtain a loan commitment on the terms described below on or
before xx-xx-2012 (the "Loan Commitment Date") then this condition shall be
deemed waived and Buyer's performance under this contract shall thereafter not be conditioned upon
Buyer's obtaining financing. If lender will not give Buyer such written notice then Buyer may directly notify
Seller or listing broker (on or before the Loan Commitment Date) by providing a notarized affidavit that
Buyer has complied with all of the terms of this paragraph and that despite request, Buyer was unable to obtain
such written notice from lender."


Sometimes buyer's misunderstand what they have when they are pre-approved.  A pre-approval is normally a "pre-screening" of information conveyed by telephone and a check of the credit score.  When writing up an offer to purchase real estate, or discussing the loan approval / commitment, buyers occasionally say "I already have that;" confusing the pre-approval they already have.  

Getting loan commitment from a lender takes place after a written application has been approved by the mortgage bank underwriter and usually involves paying for an appraisal, and providing title work, tax returns, and employment verification to the lender.  Once a loan file is submitted to the underwriting department, a response to the application is received, which is usually called "conditional approval" and all the conditions of approval are stated, which must be fulfilled prior to receiving the completed loan commitment.  Usually agents give three or more weeks for the lender to complete the loan process and provide loan commitment.

For more information on getting a home loan in St Louis, call the Premier Team or contact one of our preferred lenders. 

 

 

St Louis Real Estate Listings

$310,000
3 Beds ⋅ 1 Baths ⋅ 26051614 MLS ⋅ COMING SOON Status
Historic charm meets modern city living in this beautifully maintained 1913 Victorian farmhouse in the Lindenwood Park neighborhood. Original trim, doors, hardware, tall ceilings, and a classic foyer fireplace showcase the character of this distinctive home, while an updated kitchen and bathroom provide modern convenience. Two spacious main-floor bedrooms are complemented by a versatile third bedroom in the upper level, that has been enjoyed as a home office, movie room, and guest space. Hardwood floors were added in 2022, and a new roof installed in 2026 adds peace of mind. Outside, enjoy a fenced yard with low-maintainence landscaping and a large patio, plus a detached two-car garage with alley access. The full basement provides additional living space, laundry, and ample storage. Located near Lindenwood Park, Ted Drewes, Donut Drive-In, two city libraries, neighborhood restaurants and businesses, and convenient highway access, this home offers the best of historic St. Louis character and an easy, connected

7075 Pernod Ave, St Louis
$185,000
3 Beds ⋅ 1 Baths ⋅ 26048854 MLS ⋅ ACTIVE Status
This is such a Cute home 1 step entry, Exterior landscaped yard, 1 Car carport keeps you under cover for unloading groceries. This home is perfect for starting out or scaling down, Fresh paint, updated vinyl insulated windows, roof only 2 years old, hvac and water heater approx 4 years old or less, Kitchen updated with custom Cherry wood cabinets, center island is moveable. Appliances to stay. Some updated lighting. Living room has space for any size furniture. Bedrooms are good size too, Main floor laundry room and a Bonus/storage room could be office or craft room. Exterior yard is fenced with patio areas. Metal Storage shed for your gardening storage needs. Close to everything, shopping, schools, and highway access.

9841 Tanbark Ln, St Louis
$175,000
2 Beds ⋅ 2 Baths ⋅ 26054653 MLS ⋅ ACTIVE Status
South City, Ranch home ready for the next home owners- Welcome home! This 2 bedroom, 2 full bath house has a partially finished basement, a 1 car attached garage, on a level and fenced lot. Cute curb appeal and off street parking is a bonus! Yes, there are some projects here and we have priced the house accordingly, keeping in mind buyer will likely replace the carpeting on main floor- among other projects. House is freshly painted on main level. Spacious living room leads to the breakfast room with pantry/storage space, and the classic kitchen has just enough cabinets for the space (stone backsplash) and opens to the family room at the back of the house with easy yard access. There is an established apple tree and grapevines in the backyard too! Two bedrooms and a full bath complete the main floor. Downstairs is the partially finished lower level with a recreation room, extra room and full bathroom with shower. Woods Basement Systems has performed work on the basement and seller can provide paperwork and the warranty is transferrable to the new owner(s). House is being sold in its As-Is condition.

7045 Parkwood St, St Louis
$305,000
3 Beds ⋅ 2 Baths ⋅ 26058621 MLS ⋅ ACTIVE Status
Welcome to 2106-10 S. 8th Street, a unique 3-bedroom, 2-bath home situated on a rare double lot in one of St. Louis’ most sought-after neighborhoods. This move-in-ready property offers gated off-street parking, a fenced backyard, and an ideal blend of historic character and modern updates. The main level features tall ceilings, luxury vinyl plank flooring, recessed lighting throughout, a spacious open-concept living and dining area, and a convenient main-floor bedroom and full bath. The beautifully updated kitchen showcases soft-close white cabinetry, Black Pearl granite countertops, glass tile backsplash, stainless steel appliances, and contemporary chrome fixtures. Convenient Main-floor laundry. Upstairs, you’ll find two generously sized bedrooms with walk-in closets and a stylish full bath. Additional storage is available in the lower level with durable concrete flooring. Enjoy outdoor entertaining on the large exposed aggregate patio within the private fenced yard. Just steps from the best of Soulard, including restaurants, live music venues, coffee shops, grocery stores, parks, the French Dog Park, Soulard Farmers Market, and the Anheuser-Busch campus. Don’t miss this opportunity to own an updated home with outdoor space and parking in Historic Soulard for $330,000!

2106 S 8th St, St Louis
$195,000
26059053 MLS ⋅ COMING SOON Status
Great opportunity to own a renovated duplex in Dutchtown, perfect for a house hacker, owner-occupant, or investor! The spacious upstairs unit features 3 bedrooms and 1 bathroom and is vacant and ready for move-in, while the downstairs 2-bedroom, 1-bathroom unit is currently rented for $950/month. The upstairs unit is also being marketed for rent at $1,000/month, giving buyers flexibility to occupy or rent it out. Renovated just a few years ago, the property features updated flooring, fresh paint, stainless steel appliances, and more. Both HVAC systems are only approximately 5 years old. Move into the vacant upstairs unit and let the downstairs tenant help offset your mortgage, or rent both units for a great investment opportunity. Don’t miss this turnkey Dutchtown duplex!

3829 S Compton Ave, St Louis
$159,000
2 Beds ⋅ 2 Baths ⋅ 26057471 MLS ⋅ ACTIVE Status
Newly renovated. New kitchen, granite countertops, new appliances including refrigerator. Second floor laundry includes washer and dryer. Second floor full bath features separate shower and soaker tub. Parking pad in back. Freshly painted throughout.

3428 Alberta St, St Louis
$285,000
2 Beds ⋅ 1 Baths ⋅ 26054547 MLS ⋅ COMING SOON Status
This charming South St. Louis home checks all the boxes-pristine curb appeal, incredible character, move-in readiness, and a fantastic location just a few doors down from Trattoria Marcella and some of the best restaurants and shops the area has to offer! In the Lindenwood Park neighborhood, this is the kind of home that makes you say, “This is it!” From the moment you arrive, the curb appeal delivers. The landscaped front yard and the sidewalk and front porch feature a distinctive epoxy stone finish that gives the entry an elevated, polished look. Inside, the front living room steals the show with dramatic vaulted beam ceilings, original wood floors, windows galore, and a cozy gas fireplace. The open flow into the dining room creates a spacious vibe that’s perfect for hanging out, hosting friends, or simply enjoying everyday life. Freshly and professionally painted throughout, this home is ready for its next chapter. Two spacious main-level bedrooms, plus a refreshed bath with a new vanity and toilet and a beautiful stained-glass window. The eat-in kitchen is spruced up and ready to enjoy, with direct access to an incredible outdoor living space. Step onto the large deck with a built-in pergola, head down to the upscale large, poured patio, and enjoy the beautifully landscaped, level backyard and the white fence that fully encloses your outdoor space. Plenty of room for grilling, gathering, gardening, pets, play or simply soaking up your own beautiful yard! The full walkout basement is unfinished with a work bench giving you flexibility for storage, hobbies, a home gym, workshop, or future finishing potential. The location is everything! An incredible mix of restaurants, shops, parks, and neighborhood favorites that make South St. Louis living so much fun. Passed City Occupancy. 100% move-in ready. Come for the vaulted ceilings. Stay for the backyard. Fall in love with the neighborhood!

6437 Pernod Ave, St Louis
$319,000
2 Beds ⋅ 2 Baths ⋅ 26056738 MLS ⋅ COMING SOON Status
Welcome to one of Webster Groves' sweetest neighborhoods, where tree-lined streets and timeless charm come together. Set on a spacious corner lot with mature trees, this charming 2-bedroom, 1.5-bath home offers the kind of location that makes everyday life feel a little easier—and a lot more enjoyable. Just a short stroll from the pool, RecPlex, neighborhood fireworks, and neighborhood schools, you'll love having so much of what you need right outside your door. Inside, hardwood floors flow throughout. Enjoy easy entertaining with the open floorplan. The inviting family room, complete with a cozy fireplace, provides a comfortable gathering space, while the partially finished lower level offers additional room for a playroom, home office, workout space, or whatever fits your lifestyle. An oversized carport and generous driveway provide plenty of off-street parking. With easy access to Highway 44 and all that Webster Groves has to offer, this is a home that combines everyday convenience with the charm of a truly special neighborhood.

704 Lanvale Dr, St Louis
$310,000
3 Beds ⋅ 3 Baths ⋅ 26057657 MLS ⋅ ACTIVE Status
~*~ Fantastic Location, over 2000 Sqr ft living space + upscale renovation...doesn't get any better than 2621 Sublette Ave nestled between Southwest Garden & The Hill... just steps from restaurants, bars, & shopping. This newly remodeled home offers tall ceilings, fresh neutral paint throughout + lots of windows inviting in natural sunlight to this open airy floorplan! As you open the door you are greeted with gleaming wood floors, decorative fireplace and Restoration Hardware accents & accessories throughout. The bougie kitchen is a chefs dream w/ custom cabinets, SS appliances, Soapstone countertops, luxury hardware & abundant counter space for cooking & entertaining. The addition of a sunroom was the perfect choice adding versatile space for relaxing coffee mornings or a premiere office option. Sliding glass doors invite you to this large deck overlooking the level fenced in & partially shaded by mature trees backyard & two off street parking pads. Upstairs you will find a spacious primary bedroom w/ his and hers closets + a second bedroom. The crisp clean bathroom is the perfect place to get ready. However, the real hidden gem is the finished basement ... taller pour w/ high ceilings, walk-up providing lots of natural light, Additional Bedroom/office space, storage area and another additional full bathroom! ~*~ Open House Sunday Sept 13th 2pm-4pm...

2621 Sublette Ave, St Louis
$275,000
2 Beds ⋅ 1 Baths ⋅ 26058732 MLS ⋅ ACTIVE Status
Welcome to 11105 Pine Forest Dr.! This charming home is located in the highly desirable Lindbergh School District and offers a spacious, open floor plan perfect for everyday living and entertaining. Wonderful layout, fresh paint, stainless steel appliances and plenty of natural light create a warm and inviting feel throughout. Both bedrooms are generously sized with great closet space, while the finished lower level provides additional living space perfect for a family room, home office, workout area or recreation room. Outside, enjoy the nice, level backyard and covered patio—ideal for relaxing, entertaining or outdoor activities. Additional highlights include a 2-car garage, newer HVAC and a newer roof. Conveniently located near Grant’s Farm, Grant’s Trail, Grant’s View Library, shopping, dining and more. This well-maintained home offers a great combination of location, updates and usable living space—don’t miss it!

11105 Pine Forest Dr, St Louis
$259,900
3 Beds ⋅ 2 Baths ⋅ 26058962 MLS ⋅ COMING SOON Status

10017 N Marlene Dr, St Louis
$344,900
5 Beds ⋅ 4 Baths ⋅ 26058951 MLS ⋅ ACTIVE Status
Versatile Multi-Level Home in Tower Grove South Discover the possibilities at 3805 Hartford, a multi-level St. Louis property offering a flexible layout, multiple bedroom suites, and a convenient location in the Tower Grove South area. With three levels of living space, a full basement, and renovation work underway, this property presents an opportunity to complete the remaining improvements and customize the home to suit a variety of needs. The lockbox is located on the front door. Entry through the front foyer leads into the living room, followed by the dining room and kitchen. A convenient half bathroom completes the main level. The second floor features a primary bedroom with its own private bathroom, two additional bedrooms, and another full bathroom. The third floor provides additional flexibility with another primary bedroom featuring a private bathroom, along with an additional bedroom. The multi-level floor plan offers a variety of possibilities for bedrooms, home office space, hobby areas, or other uses, subject to the buyer's intended needs and applicable requirements. The full basement is unfinished and provides additional storage and utility space. The home is equipped with a gas furnace and gas water heater. Repairs and renovation work have not been fully completed, providing an opportunity for the next owner to finish the remaining work and make their own improvements. Buyers should independently verify all property details, measurements, condition, utilities, and applicable requirements. The property is conveniently located near Tower Grove Park, approximately one mile away, and the South Grand Boulevard commercial corridor, where residents can enjoy a variety of restaurants, cafes, shops, and neighborhood services. The Missouri Botanical Garden is approximately 1–2 miles away, while additional grocery, shopping, and everyday conveniences can be found along Grand Boulevard, Morgan Ford Road, and surrounding commercial corridors. Convenient access to Grand Boulevard, Kingshighway Boulevard, Chippewa Street, Arsenal Street, and Interstate 44 provides connections to destinations throughout the St. Louis area. With its multi-story layout, multiple private bathrooms, unfinished basement, and central location, 3805 Hartford offers an opportunity to complete and enhance a property in an established St. Louis neighborhood.

3805 Hartford St, St Louis
$325,000
3 Beds ⋅ 1 Baths ⋅ 26058653 MLS ⋅ COMING SOON Status
This charming full brick gingerbread-style home boasts exceptional curb appeal. The main level features beautiful wood floors, while the kitchen is equipped with 42" wood cabinets, granite countertops, and stainless steel appliances. The versatile second level offers the potential for a third bedroom and cozy sitting area, complete with a spacious walk-in closet. Enjoy energy efficiency with double-pane windows and unwind in the sunroom at the back of the house. The property features a durable tile roof, with additional tiles conveniently stored in the walk-out basement. A one-car garage with an automatic door opener adds convenience. This home perfectly blends classic charm with modern amenities and is ideally located directly across the street from a lovely park.

1071 Midland Blvd, St Louis
$199,900
3 Beds ⋅ 2 Baths ⋅ 26058936 MLS ⋅ ACTIVE Status
Incredible value in a highly sought-after Oakville! This 3 bedroom, 2 bath home offers a great opportunity for a buyer looking to make a few updates and build instant equity. The home needs some general cosmetic improvements, but many of the important items are already in place, including an updated electrical panel, HVAC system and water heater, along with vinyl windows. A walk-out basement adds even more functionality and potential. With a great layout, solid major systems and very little needed to make it move-in ready, this is an outstanding opportunity at a price that is hard to find in this neighborhood. Bring your finishing touches and take advantage of an awesome value!

4271 Martyridge Dr, St Louis
$309,900
2 Beds ⋅ 2 Baths ⋅ 26056598 MLS ⋅ COMING SOON Status
Historic charm meets modern comfort in this beautifully updated Tuxedo Park cottage! Built in 1883 and lovingly maintained, this special home is filled with character, including glass doorknobs, arched doorways, beautiful moldings, built-ins, and custom art glass windows. The inviting living room features a gas fireplace flanked by art glass and opens to a versatile sitting room, den or home office. The main level primary suite offers two closets and an updated bath with heated marble floors. The updated kitchen features custom cabinetry, pantry, double ovens, quartz countertops, and a farmhouse sink. The adjoining dining area is equally charming with wood floors, built-in seating and a hutch. Upstairs you'll find flexible additional space ideal for a larger bedroom with cedar closet. Outside, enjoy the welcoming front porch overlooking beautifully maintained gardens, a private patio off the back of the home, a stamped concrete drive, fencing and detached oversized one-car garage. New HVAC system (2026), new roof (2025), new hot water heater (2025) and irrigation system add peace of mind while thoughtful details throughout reflect pride of ownership. A wonderful opportunity to live in Tuxedo Park close to Avery Elementary, Margaret Park and Webster's Old Orchard area.

729 Atalanta Ave, St Louis
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