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

$234,900
3 Beds ⋅ 2 Baths ⋅ 23059266 MLS ⋅ ACTIVE Status
HOT DEAL ALERT. Looking for a great opportunity for a diamond in the rough in one of the most sought-after neighborhoods in all of St Louis? Then come see this fantastic opportunity to own a prime hill location. This home is perfect for a handy buyer who's willing to put in some rehab work for the perfect family home in a safe neighborhood. Home needs some TLC, but you won't find better value in this area! It's just a short walk or ride away from over 50 of STL's best restaurants, small businesses and the botanical gardens. This brick home sets on a conner lot with an attached office/storage space built into side of house. There are 3 spacious bedrooms, large living room, eat in kitchen, built-in bookcase, partial finished basement and plenty of storage. Some floors are covered in carpet but has hard wood floors under them. The backyard is flat with a vinal fence surrounding it and a 1 car garage and a covered carport. The attic area features a room used as bedroom/office.

2403 Macklind Avenue, St Louis
$250,000
2 Beds ⋅ 2 Baths ⋅ 23052475 MLS ⋅ COMING SOON Status
Step into a home where comfort and convenience harmonize! You'll find 2 bedrooms and 2 full baths welcoming you to a haven of tranquility. The full rehab/remodel in 2020 ensures a seamless blend of historic charm and modern amenities. Thoughtfully designed living spaces that prioritize your comfort. This home effortlessly marries classic architecture with contemporary upgrades. 4 Sides Brick provides the durability and timeless aesthetic of brick construction. Lower Level Living: Your lower level becomes a retreat with a family room, bar/kitchenette, full bath, and an extra sleeping room or office. Situated less than 2 blocks from the lively shops and restaurants on Hampton, 5506 Eichelberger offers a lifestyle of convenience and community. Make 5506 Eichelberger your retreat - where every detail is designed for your comfort and enjoyment!

5506 Eichelberger Street, St Louis
$195,000
4 Beds ⋅ 3 Baths ⋅ 23059804 MLS ⋅ COMING SOON Status
Looking for the perfect home in St. Louis? Look no further than 7782 Wooddale Ln! This stunning property boasts all the features you could want in a modern, comfortable home. From the moment you step through the door, you'll be greeted by an inviting and stylish interior. The spacious living area is perfect for relaxing and entertaining, while the well-appointed kitchen offers plenty of space for cooking and dining. With four bedrooms and two and a half bathrooms, there's plenty of room for entertaining. And the outdoor space is just as impressive, with a tiered yard that's perfect for barbecues and outdoor gatherings. Located in a quiet culdesac within a friendly neighborhood, 7782 Wooddale Ln offers the perfect balance of peace and tranquility, with easy access to all the amenities and attractions of St. Louis. Contact us today to schedule a viewing and see for yourself why 7782 Wooddale Ln is the perfect choice for you.

7782 Wooddale Lane, St Louis
$204,000
23059802 MLS ⋅ COMING SOON Status
Coming Soon. Grand corner building in Dutchtown CID neighborhood. Currently has both the apartment units rented (please do not disturb the tenants). The commercial space is ready for the next great business in Dutchtown. This hot and vibrant community is waiting for the next big thing, and it could be in this property!

4700 Virginia Avenue, St Louis
$279,900
2 Beds ⋅ 2 Baths ⋅ 23059772 MLS ⋅ ACTIVE Status
Charming brick gingerbread; just a short jaunt to yoga & Farmers Markets in lovely Tower Grove Park. Such gorgeous craftsmanship in this home...from the cute 'lil mailbox, to the vintage stained glass & fireplace, to the sweet archways & built-in nooks--they sure don't make 'em like this anymore! Sparkling hardwoods throughout in the comfortable living room, formal dining room & gorgeous new kitchen with granite countertops. Sweet family room addition overlooks the big back yard...perfect for your own veggie garden next spring. Upstairs you'll find a full bath and two good-sized bedrooms with excellent ceiling height & lots of natural light for easy morning wake-ups. Convenient tuck-under garage, laundry, storage & spare bathroom in the lower level. Lots to love here...come see for yourself! :)

4105 Miami Street, St Louis
$150,000
2 Beds ⋅ 1 Baths ⋅ 23059301 MLS ⋅ ACTIVE Status
Check out this newly renvoated 2 bedroom 1 bath all brick 1 1/2 story home in Gravois Park!! This home is stunning inside! Upon entry you will notice the beautiful millwork in a beautiful dark trim color!! Upon entry you will notice the new premium vinyl plank flooring, the stained glass windows and of course the beautiful covered front porch!! Fireplace in the living room adds to the character of this home!! The ktichen features custom cabinetry, stainless steel appliances and granite counter tops. The staircase is truly an eye catcher! The bedrooms have ample space and have brand new carpeting! The bathroom has been remodeled as well to feature new vanity and new fixtures! Make your appointment today!!

3629 Michigan Avenue, St Louis
$350,000
4 Beds ⋅ 2 Baths ⋅ 23059670 MLS ⋅ ACTIVE Status
OPEN Sunday 10/8 1-3pm! This Northampton cutie is quite possibly going to steal your heart. Step inside and you’ll be blown away by the thoughtful updates. 3415 Macklind offers 3 bedrooms (with a 4th option available to you as a flex space to use as you desire), an open concept living space, zoned heating & cooling + a BIG deck & yard, perfect for entertaining. You’ll be greeted by the gleaming hardwood floors as you look onto the gorgeous, fresh kitchen with stainless steel appliances. SO much to soak in here! Plenty of bedrooms to choose from here whether you want to sleep upstairs or downstairs - both floors offer a gorgeous full bath. If the quality and attention to detail hasn’t sold you, the location will: The Golden Hoosier, Piper's Tea & Coffee, Himalayan Yeti, Russell's on Macklind, Clementine's, & The Mack are all just steps away. Some major home sweet homes vibes are being thrown out by this NOHA gem, so come pay us a visit!

3415 Macklind Avenue, St Louis
$299,000
2 Beds ⋅ 1 Baths ⋅ 23059479 MLS ⋅ COMING SOON Status ⋅ Lindenwood Loft Condo BLDG.
Upscale, sophisticated & vibrant urban living at its best! Step into the lush colors & savvy design of this well-heeled, custom-everything Lindenwood Lofts historic gem. With 12’ ceilings, walls/windows & open floor plan, this unit lives large. Revel in an unbelievable blend of high-end modern amenities (Wolf, Sub-Zero, Fischer-Paykel, Miele, Hans Grohe) w/original architectural features. Handsome windows (storms/screens), charming “lit” classroom bookcases w/grasscloth. Avant-garde luxury bath boasting heated floors & walls clad in honed slabs of repurposed Missouri Grey marble. You'll love the nostalgic chalk-board door & wooden coat hooks, the Carlisle solid wood wide-plank floors & the custom quarter-sawn oak wainscoting w/vintage style MCM sconces. Plus savor the Crown Pointe Walnut cabinetry (island/drawers/panels), Veneto marble slab & Vermont soapstone. Plus remote control black-out shades, Elfa systems & more. Simply put, a rare find for a discerning buyer! See Feature Sheet

3815 Mccausland Avenue Unit #15, St Louis
$215,000
2 Beds ⋅ 1 Baths ⋅ 23059597 MLS ⋅ COMING SOON Status ⋅ Brentwood Forest Condo Ph Eight BLDG.
Welcome to this bright and airy 2 story condo in Brentwood Forest. Tons of updates in the past year including new flooring on the main floor. New vanity and faucet, lighting, toilet and flooring in the bathroom, new kitchen cabinet hardware and light fixtures. All while being freshly painted throughout. Community features include 2 pools, tennis courts, and walking trails. Centrally located Brentwood and Clayton, and a short drive to the city. This home is truly move in ready!

1405 Peacock Lane, St Louis
$165,000
2 Beds ⋅ 1 Baths ⋅ 23059659 MLS ⋅ ACTIVE Status
OPEN Sunday 10/8 1-3pm! This charming University City home is impossibly cute with the red brick, the limestone details, & the rounded red front door greets you with a bit of cheer as you arrive. Inside you will love the original details still intact in this home, like the hardwood floors, the stone fireplace, the stained glass windows, & the butlers pantry found in the kitchen. There are two really good sized bedrooms & an updated bathroom. Off the kitchen you'll find a bonus space that can be a sitting room during those nicer months & in the PARTIALLY FINISHED BASEMENT you will find an adorably maintained retro wood-paneled basement with black & white checkered floors, & a BAR!! Just imagine all the fun you could have down there!! Close to the New Costco, LuLu's Seafood & Dim Sum, Cube Tea, Shabu Day, Paperdolls, Starbucks, Diego's Cantina, & Dewey's Pizza (Yum!). This one will make your heart smile, come see for yourself.

1144 Wilshire Avenue, St Louis
$215,000
2 Beds ⋅ 2 Baths ⋅ 23059687 MLS ⋅ ACTIVE Status
Squeaky clean--spotless--tight...words that perfectly describe this lovingly maintained home that's just a short walk from dozens of St Louis' best restaurants on The Hill. Whether this is your first home or you're looking to simplify, the careful updates & attention to detail will make owning this about as easy as homeownership gets. Walk into the living room that leads into a cheery eat-in kitchen with pantry & additional prep space out to the side. Two main floor bedrooms & full bath. Finished lower level-with its own entrance-adds a third sleeping area, family room, second full bath, laundry & storage. What a perfect setup for a roommate, out-of-town guest or snoring spouse (no judgement here). Nice sized back yard with one car garage, parking pad & covered patio...perfect for lounging outdoors & getting some fresh air, even on rainy days. Come see it & fall in love! :)

2840 Dalton Avenue, St Louis
$275,000
23059665 MLS ⋅ ACTIVE Status
Great two story owner/user contractor building at the entrance of North Broadway. A small lot is also apart of the sale in the rear alley at 1518 N 7th Street, which allows for parking or excess storage if needed. There is currently a MTM tenant in the building that can either stay or leave depending on your needs. The property offers 14,192 SF over two floors & is priced at $19.37/SF, just a half mile from Downtown STL with great highway accessibility to I-44 / I-70.

1509 N Broadway, St Louis
$207,500
2 Beds ⋅ 2 Baths ⋅ 23059651 MLS ⋅ COMING SOON Status
Welcome to this cute and updated South City bungalow! As you walk up to this home, you are greeted by the covered front porch that overlooks the neighborhood. Inviting entry foyer flows right into the spacious living room and formal dining room, boasting original hardwood flooring, stained glass windows, and millwork! 2 great sized bedrooms offers plenty of natural light and hardwood flooring! Spacious kitchen leads out to the three seasons room and large fenced backyard! The lower level offers plenty of storage and a half bathroom! Private driveway for off street parking! You won't want to miss this gem! Call today! Buyer to verify all MLS data.

6038 Wanda Avenue, St Louis
$165,000
3 Beds ⋅ 2 Baths ⋅ 23059559 MLS ⋅ ACTIVE Status
Charming three bedroom one and a half bath ranch in the lovely Northwoods subdivision. The home has a two car garage with cedar wood ceilings and lots of storage. Lovely dining room, and living room with a fireplace. Some hardwood floors underneath the carpeting beautiful wood, trim throughout, eat-in kitchen with appliances. There is also a finished basement with a separate bar room, laundry room, a lower level, half bath, and also a bonus room with a fireplace and built-in bookcases. The basement has walkout access to the backyard, which is fully fenced, beautiful landscaping. Close to the highway, public transportation, easy access to downtown St. Louis or short drive to Saint Charles. Schedule a showing today.

6942 Willow Wood Drive, St Louis
$289,900
3 Beds ⋅ 3 Baths ⋅ 23059601 MLS ⋅ ACTIVE Status ⋅ Tower Grove East BLDG.
This 3BR 2.5BA Townhome located in prime Tower Grove East neighborhood is well appointed & stunning! Open Fl. plan, 9 ft ceilings, crown mouldings, leaded glass windows, & hardwood maple flooring. Gourmet kitchen w/breakfast bar, hardwood 42" kit. cabinetry, desk area, stainless appliances, and main laundry Rm. with tons of cabinets. Central Vac is an extra convenience. Efficient tilt windows throughout, gas fireplace and exposed brick. 2nd Fl has large primary suite with full bath, double sinks, pantry closets, whirlpool/shower combo and great tile work. BR has double and triple outfitted closets w/Adjacent deck area. The Two guest Bedrooms are spacious w/ample closet space. Fully landscaped yards with wonderful plantings, paver patio, sidewalks, privacy fencing and two car garage w/openers. Home has been freshly painted. Walk to Tower Grove Park, restaurants, shops, near major highways, hospitals & campuses incl. Downtown. Be a part of the Fantastic Tower Grove East neighborhood!

2916 S Compton Avenue Unit #2916, St Louis
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