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

$300,000
3 Beds ⋅ 1 Baths ⋅ 26041897 MLS ⋅ COMING SOON Status
**OPEN SATURDAY & SUNDAY 1-3PM BOTH DAYS** Welcome home to this charming South City gingerbread brick beauty, full of character and timeless curb appeal, nestled on a desirable one-way street in the heart of Southwest Park. Stained glass windows welcome you through the front door, setting the tone for the home's classic architectural details, including arched doorways, original millwork, and beautiful hardwood floors. The bright kitchen features stainless steel appliances, a gas range, and a refrigerator that stays with the home. The separate dining room and living room make entertaining a breeze and are loaded with character including stained glass windows. A bedroom and full bathroom round out the main floor offering true main floor living. Upstairs find two additional bedrooms both with hardwood flooring and ample closet space. Enjoy peace of mind with a new roof and siding (2026). Updated windows provide energy efficiency while maintaining the home's character. Step outside to a fully fenced backyard designed for relaxing and entertaining, complete with a paver patio, vegetable garden, and a detached two-car garage. Located just moments from neighborhood restaurants, shopping, Lindenwood Park and all the vibrant amenities South City has to offer, this move-in-ready gem is the perfect place to call home.

6024 Oleatha Ave, St Louis
$335,500
3 Beds ⋅ 3 Baths ⋅ 26048320 MLS ⋅ COMING SOON Status
Discover a piece of St. Louis history in the Shaw Neighborhood, a single-family residence built in 1910. This property offers a unique opportunity to own a home with a century of character, thoughtfully preserved and ready for its next chapter. Its location in the Shaw Neighborhood allows easy access to major roads and highways, and a walkable distance to Tower Grove Park and many restaurants and shops. This 3 bedroom/2.5-bathroom home has new 2-year-old roof and boasts a large living room and dining room off an open kitchen that makes this home perfect for hosting guest for holidays. With the added features of a large foyer, mud room, and working fireplace this home has everything a family needs for a cozy home. On the second floor you will find a primary suite with its private outdoor deck a primary bath and a large closet. The perfect space for peace. There is also two other generous sized bedrooms and a hall bathroom for guest or kids. To truly appreciate the potential of this historic home, schedule your private viewing today.

4146 Shaw Blvd, St Louis
$154,900
3 Beds ⋅ 2 Baths ⋅ 26048354 MLS ⋅ COMING SOON Status
Move-in ready charm on S Compton Ave! Welcome to 4121 S Compton Ave in the heart of St. Louis’ South City. This classic 2-story home (approx. 1,564 sq ft) has been thoughtfully updated and is ready for its next owner. Highlights include: - Brand-new flooring throughout - Updated countertops - Refreshed bathrooms - Brand-new sewer lateral under the foundation (major peace-of-mind item!) - Detached garage - Fully fenced backyard — perfect for pets, play, or outdoor entertaining Enjoy the convenience of a private garage and a secure outdoor space while being close to local parks, dining, and easy highway access. Whether you’re a first-time buyer, investor, or looking for a solid starter home with modern updates already done, this property checks the boxes. Don’t miss the opportunity to own a well-maintained home with important infrastructure improvements already completed. Schedule your showing today!

4121 S Compton Ave, St Louis
$219,900
2 Beds ⋅ 1 Baths ⋅ 26038582 MLS ⋅ COMING SOON Status
(c) 1936: Quintessential St. Louis style gingerbread / tudor style 2+ bedroom, 1 bath bungalow that is ready for its new owners! Featuring wonderful architectural appeal & vintage 1930s details & craftsmanship, this home pulls you in through a stone front porch and arched front door to an entry foyer complete with HUGE closet and beautiful stained glass window. Another archway leads you into a bright & formal living room — featuring gorgeous oak hardwood floors with unique inlays, fireplace mantle, & multiple stained glass windows — then into a spacious formal dining room with abundant natural light. Through a center hall you'll find an updated spacious kitchen — just made for hosting — with lots of tall white shaker cabinets, double oven, gas range, and warm wood floors. A fantastic vaulted bonus room addition with skylights could be a secondary family room space, home office, or even a 3rd bedroom/guest room if needed! There are 2 spacious bedrooms on the main floor each with original unique doors and door hardware, and that share a bright and cheery full bathroom with classic subway tile & wainscoting walls, unique medicine cabinet, laundry chute & pedestal sink. There's even a legit staircase to an unfinished attic that could potentially be finished in the future for additional living space! The clean walk-out lower level offers abundant storage, laundry area and utilities. Out back, find a great backyard, patio area and a 1-car detached garage. BRAND NEW ROOF and new garage siding in July 2026! If you've been searching for a home with charm paired with modern updates and versatile living space — one that feels "distinctly St Louis" — then this classic bungalow is the one you don't want to miss!

3929 Meramec St, St Louis
$275,000
26043852 MLS ⋅ ACTIVE Status
Welcome to this charming brick duplex in the Clifton Heights neighborhood! Each unit offers 1+ bedroom and 1 full bath, filled with abundant natural light, spacious living areas, and a separate dining room for added functionality. The extra large eat-in kitchens feature lots of cabinets, and a pantry. Both bathrooms include a shower/tub combo. Bonus rooms located off the kitchen provide flexible space—perfect for a home office or additional storage or possible extra sleeping space. Both units are currently rented MTM for $775/month. Additional highlights include shared basement access with laundry and storage, plus a 2 car tuck under garage. The level fenced backyard is perfect for outdoor enjoyment. This is a well maintained historic building with tons of space and a 1yr old roof. Located near parks, restaurants, shopping, and easy highway access, this property presents a fantastic opportunity for investors or owner-occupants looking to offset their mortgage with rental income.

6652 Marmaduke Ave, St Louis
$199,000
2 Beds ⋅ 2 Baths ⋅ 26044157 MLS ⋅ COMING SOON Status
Welcome home to 9921 Affton Place ... so pretty from the curb with a beautifully manicured lawn and landscaping, this brick ranch with 1+ bedrooms and 1 1/2 baths is ideal for an individual or couple or anyone with a vision to reconfigure or add more living space. From the front porch, step inside to the living room, anchored by a fireplace, that flows into the dining room or walks through the hall to the bedroom (with closets for both of you) and the hall bath. The galley kitchen is off the dining room and ready for a re-design to make the best use of this efficient space. A French door in the dining room leads to the knotty pine paneled breezeway with windows at both ends, a nice, big cedar closet, and the half bath. There's also access to the attached garage. The unfinished lower level houses the laundry and offers plenty of room for a workshop and storage. Don't miss your opportunity to live on a great street at a great price. There is so much potential! This property is being sold AS-IS and the fireplace is to be conveyed as-is. Please use Special Sale Contract.

9921 Affton Place, St Louis
$350,000
3 Beds ⋅ 2 Baths ⋅ 26048085 MLS ⋅ COMING SOON Status
Welcome Home to this newly Renovated Multilevel Brick home on .5 Acres. Entering you will find pristine hardwood floors, Living Room with Vaulted Ceiling, & Dining Room. Kitchen boasts all new kitchen cabinets, Quartz countertops, stove, dishwasher & LVT flooring. Go up a few steps to the 3 bedrooms and updated bath. Go down a few steps to Walk-out Family room complete with second full bath, laundry room, and bonus room (can serve as playroom, office, or whatever). Walk-out opens to picturesque, level & expansive yard. Located on a private street in the sought-after Parkway Schools the location is convenient to just about everywhere. Agent is related to Seller. Don’t wait-Call today!

23 Country Squire Ln, St Louis
$285,000
4 Beds ⋅ 1 Baths ⋅ 26035194 MLS ⋅ ACTIVE Status
LOCATION/OPPORTUNITY. Home has been a rental property occupied by long-term tenants. The property is now vacant and being sold "AS-IS". Excellent location on Clayton Avenue, directly across the street from Cheshire Inn, Basso, and walking distance to Demun, Forest Park, Wash U & St. Mary's. Detached one car garage with alley access. A renovation opportunity for owner-occupant, student, or medical housing and or potential for commercial due to its location.

6957 Clayton Ave, St Louis
$250,000
2 Beds ⋅ 2 Baths ⋅ 26048071 MLS ⋅ ACTIVE Status
Secret BONUS bedroom that could potentially save relationships. Curious???? Keep reading... Let the SUNSHINE in!!! This south city charmer on a quiet one-way street in the popular Princeton Heights neighborhood is super cute! Walking distance to Hatch'd (did someone say BRUNCH), Schnucks, parks, shopping, dining, and more you will LOVE this location. Walk in the front door and find a living room with beautiful hardwood flooring and fireplace that leads into a spacious dining room perfect for hosting friends and family. The dining room leads into the kitchen with granite countertops. All appliances can stay. Off the kitchen you will find a huge cozy and bright family room that overlooks a fully fenced back yard perfect for kiddos and furry friends. You will love watching the Magnolia tree in the backyard bloom each spring! Head upstairs and find 2 bedrooms and a full bath, but there's MORE! Off of the main bedroom you will find a secret room on the '3rd' floor and a half bath! Use it as an extra bedroom, HUGE walk-in closet, office, nursery, craft room - whatever your heart desires. OR if you have a significant other who tosses and turns or snores a lot just add futon for a quiet and peaceful escape. Ahhhhhh serenity now! The unfinished walkout basement has lots of room for storage includes the washer and dryer and don't forget to check out the large attached 1 car garage! Updates include fresh paint throughout, new roof and siding in 2019, HVAC system in 2021. So much to love about this home. Make it yours today!

5301 Sunshine Dr, St Louis
$339,000
26046302 MLS ⋅ ACTIVE Status
Why rent when you can own—and have someone else help pay the mortgage? This solid Southampton two-family is the ultimate first step into homeownership, combining a place to call your own with built-in rental income. Move into one unit, rent the other, and let your tenant help offset your monthly payment while you build equity instead of paying your landlord's mortgage. The location couldn't be better. You're just a short walk from neighborhood favorites like The Attic Music Bar, The Royale, Silverleaf Lounge, Bud's Pizza & Beer, The Golden Hoosier, and morning coffee runs to Piper's. Enjoy all the charm and convenience that make South City such a great place to call home. Inside, both apartments offer a comfortable, functional layout with a living room, dining room, kitchen, full bath & a charming sunroom both you & your houseplants will love. The second floor apartment has three private bedrooms & the first floor apartment has two private bedrooms. Original hardwood floors on the main level (brand new carpet upstairs), vintage fireplaces, stained glass windows, and classic architectural details add the kind of character that's hard to find in newer construction. Grab a drink and unwind on the spacious covered front porch, tackle laundry and storage with ease in the large unfinished basement, and enjoy the convenience of a garage & parking pad out back. Whether you're looking for an affordable path to homeownership, a smart investment, or both, this Southampton gem is ready to help you get ahead.

5004 Winona Ave, St Louis
$325,000
3 Beds ⋅ 2 Baths ⋅ 26048040 MLS ⋅ ACTIVE Status
Fully Remodeled Gem in Central West End. Every detail has been thoughtfully updated in this stunning, move-in ready home! Over the past two years, this property has undergone a complete transformation—including all-new electrical and plumbing systems, a new HVAC, and a new roof—giving you peace of mind for years to come. Step inside to a bright, open floor plan featuring modern finishes, high-quality flooring, and a fully renovated kitchen with sleek cabinetry, new countertops, and new appliances. The bathrooms shine with designer tile and contemporary fixtures. Enjoy the comfort of a brand-new home wrapped in the character of a prime city location—just minutes from shops, dining, nightlife, and parks. Perfect for those seeking modern convenience and timeless style in the center of it all. Don't miss this rare opportunity to own a fully refurbished urban retreat—schedule your private tour today!

4367 Enright Ave, St Louis
$179,000
3 Beds ⋅ 2 Baths ⋅ 26048169 MLS ⋅ ACTIVE Status
Welcome to 9715 Ridge Ave! A light-filled front living room immediately greets you and welcomes you home. The main level features three comfortable bedrooms, a refreshed full bathroom, and a seamless flow into the kitchen. Next to the kitchen, you’ll love the bright and spacious family room, a wonderful space for hosting, movie nights, or daily relaxing. Step outside to your fully fenced backyard, perfect for pets, weekend BBQs, or evening unwind sessions. Looking for more space? The finished basement offers fantastic versatility for a second living area, home office, or rec room, complete with a second full bathroom for added convenience. Move-in ready comfort with room to entertain both inside and out! Schedule your showing today at 9715 Ridge Ave and discover all that it has to offer!

9715 Ridge Ave, St Louis
$249,900
3 Beds ⋅ 2 Baths ⋅ 26044936 MLS ⋅ ACTIVE Status
Discover the timeless appeal of 1272 Pennsylvania Avenue. This inviting home is move in ready, offering a seamless transition for its new owners. Included with this home sale is the vacant 0.12 acre lot next door! Recent updates include the new roof, refinished hard wood floors, and more! The residence encompasses three bedrooms, providing comfortable and private living spaces. Complementing the living quarters are two full bathrooms, with one featuring a contemporary walk-in shower, enhancing both convenience and design. The exterior of this charming property showcases a classic bungalow architectural style, contributing to its enduring character and curb appeal. Don't wait, schedule your showing today!

1272 Pennsylvania Ave, St Louis
$200,000
5 Beds ⋅ 4 Baths ⋅ 26048114 MLS ⋅ COMING SOON Status
Some homes are bigger than they look... this one is in a league of its own. Welcome to this incredibly spacious 5-bedroom, 2 full bath, 2 half bath home in North County, where every turn reveals even more living space. From the moment you step inside, you'll be greeted by beautiful hardwood floors that flow throughout the main level, creating warmth and character. The front portion of the home features a bright living room, formal dining area, kitchen, three generously sized bedrooms, and two full bathrooms. Just when you think you've seen it all, the home opens up into an impressive second living area that's perfect for entertaining, relaxing, or creating the ultimate game or media room. This unique space also includes two additional bedrooms, a convenient half bath, and direct access to the private backyard, making it an ideal setup for guests, multi-generational living, or a private retreat. The surprises continue downstairs with an enormous partially finished basement featuring another half bath, an additional bonus room perfect for an office, gym, hobby room, or storage, plus access to the attached two-car garage. Major updates provide peace of mind, including a brand-new roof, new furnace, and new air conditioning system. If you've been searching for a home with space, flexibility, and a floor plan unlike anything else on the market, this is one you simply have to experience in person.

813 Hentschel Place, St Louis
$210,000
3 Beds ⋅ 3 Baths ⋅ 26048111 MLS ⋅ ACTIVE Status ⋅ Villas On Olive Condo BLDG.
Meet 1154 Rue La Chelle Walk, a residence recently improved with fresh interior paint and an accent backsplash in the kitchen. The home includes a fireplace, and all stainless steel appliances, establishing a contemporary and comfortable environment. the primary bedroom thoughtfully provides double closets for extensive storage. The primary bathroom provides functional double sinks for everyday utility. This blend of updates and thoughtful features makes for exceptional comfort and style.. Included 100-Day Home Warranty with buyer activation

1154 Rue La Chelle Walk Unit 1154, St Louis
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