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

$334,000
3 Beds ⋅ 3 Baths ⋅ 24057221 MLS ⋅ ACTIVE Status
Showings begin Friday Sept 13. Step inside this breathtaking residence and be captivated by the gorgeous wood floors throughout. These elegant floors exude warmth and sophistication that complements every room. The home boasts a primary suite designed for ultimate comfort and privacy. The heart of this home is the center island kitchen, a culinary haven equipped with solid surface countertops and custom cabinets. This kitchen is perfect for both everyday cooking and entertaining guests. Adding to the charm are the stained-glass windows, infusing the space with an artistic touch that is soft & colorful. This home seamlessly blends old-world charm with modern features, preserving its historical beauty while offering the contemporary conveniences including pex plumbing, newer systems & off street parking. The private backyard vineyard creates a serene and picturesque retreat. All of this with parks, shopping & the Loop just down the street. Make this home yours today!

7338 Ahern Avenue, St Louis
$315,000
2 Beds ⋅ 2 Baths ⋅ 24057540 MLS ⋅ ACTIVE Status ⋅ St. Regis BLDG.
Welcome to the St Regis and this top floor gem with so much potential to make it your own. Light filled and spacious with plenty of room for entertaining in the sought after Central West End. This full service coop building has been meticulously maintained and offers security, extra storage and in unit laundry hookup. So much to walk to and enjoy this Fall. Bring your ideas, the sky is the limit.

4954 Lindell Boulevard Unit #8W, St Louis
$215,000
2 Beds ⋅ 1 Baths ⋅ 24052504 MLS ⋅ COMING SOON Status
Welcome to this charming bungalow with gingerbread brick vibes. Perched higher up, it offers calming views of trees and sky from your cozy couch, bathed in natural daylight. Original stained glass and tile work in the kitchen adds timeless beauty, while modern updates ensure comfort without sacrificing character. Enjoy a spacious lower level with new pvc plumbing and rough in for a bathroom. All of the costly home maintenance items have been taken care of including new roof, gutters, HVAC, plumbing, electrical and so much more! You will also find bonus rooms upstairs, and a cozy micro homestead backyard. Indulge in local favorites like Knead Bakery and Blueprint Coffee, and explore nearby parks including Forest Park and Tower Grove. Friendly neighbors and a great feel make this a truly special home!

6517 Marmaduke Avenue, St Louis
$165,000
2 Beds ⋅ 2 Baths ⋅ 24057313 MLS ⋅ ACTIVE Status ⋅ Monreale Condominiums BLDG.
Welcome to this updated townhome in Mehlville School District! This 2-bedroom, 1.5-bath gem blends modern amenities with cozy charm. The kitchen features light grey and white cabinetry, quartz countertops, a marble backsplash, touchless faucet, and stainless steel appliances. Enjoy the spacious breakfast nook and durable vinyl plank flooring throughout. A first-floor laundry adds convenience. Upstairs, the full bath includes a whirlpool tub for relaxation. The master bedroom has a large walk-in closet, while the second bedroom offers a Murphy bed for versatile use. Outside, a fenced patio with a storage shed is perfect for gatherings. The townhome includes an assigned parking spot and benefits from a recently updated roof. Combining comfort and style, this home is a must-see!

4269 Burnett, St Louis
$329,900
2 Beds ⋅ 2 Baths ⋅ 24057087 MLS ⋅ ACTIVE Status
Top Notch renovation completed!!Refinished hardwoods throughout! New flooring in both bathrooms and family room! Fresh paint throughout the whole house. Brand new kitchen with soft pull drawers and quartz countertops! New lighting through out. Wire shelving in the pantry. Plank flooring in the family room along with a new door and ceiling fan!! Two awesome bedrooms with New ceiling fans and wire shelving in closets and fresh paint!! New updated bathroom with vanity with soft pull drawers lighting and new floors. The lower level is a great place to hang featuring fresh paint and new carpeting. The full bath in lower level has been totally updated . Fenced yard and a two gar garage round out this great home!!

9786 Grantview Drive, St Louis
$275,000
4 Beds ⋅ 2 Baths ⋅ 24057737 MLS ⋅ COMING SOON Status
Don’t miss out on this beautifully updated 3+ bedroom, 1.5 bath home, ideally located just down the street from the newly renovated David Turner Park, offering walking paths, playgrounds, and a perfect space for outdoor fun. Step inside to discover a modern kitchen featuring stainless steel appliances, granite countertops, and newer flooring, perfect for both cooking and entertaining. The entire home has a bright inviting feel. The finished lower level provides even more living space, including a 4th bedroom, a convenient half bath, and a cozy family room—ideal for a home office, game room, or guest suite. Don’t miss your chance to own this charming home—schedule your showing today!

315 Lithia Avenue, St Louis
$239,000
4 Beds ⋅ 2 Baths ⋅ 24057331 MLS ⋅ COMING SOON Status
Est 1900 - This charming 4BR/2BA home is just a half-block from Morganford's lively business district full of restaurants, & only two blocks from beautiful Tower Grove Park! The welcoming exterior and covered porch invite you inside where you'll be greeted w/high ceilings & abundant natural light. The main floor offers a spacious full bath and 2BRs, the larger of which can double as a cozy den. The kitchen offers plenty of storage, a 5-door refrigerator, and a step-in pantry. Upstairs, you'll find 2 more bedrooms, 1 bath, & a versatile room perfect for a home office. Special features include: fenced yard, newer deck (2022), second-floor balcony, zoned HVAC, 2-car garage, & 1-car parking pad. Upgrades include: new flat roof (2020), high-end HVAC system w/humidifier & dehumidifier (2020), water heater (2021), & a rebuilt front porch (2023). Great potential to add living space in the lower level. Sold as-is, w/no repairs or inspections. Open house Sunday, 9/15 from 12-2 PM!

4333 Juniata Street, St Louis
$215,000
24057698 MLS ⋅ ACTIVE Status
This cozy Lindenwood Park 2-family is the perfect addition to an investors portfolio or a great option for an owner occupant! Located in the desirable Lindenwood Park neighborhood, enjoy being walking distance to so much south city has to offer...shopping restaurants, etc + just a short jaunt to the Shrewsbury Metrolink station! This 2-family is clean, clean, clean. Original hardwood floors fill the front living room and walk through bedroom. There's plenty of room in the eat in kitchen for a good sized table. PRIVATE basements are ideal for tenants and have additional living space and laundry area. 2-car detached garage is out back too! Property sold in AS IS condition.

6656 Lansdowne Avenue, St Louis
$240,000
2 Beds ⋅ 3 Baths ⋅ 24053646 MLS ⋅ COMING SOON Status ⋅ Wyoming Place Condos BLDG.
Experience effortless city living in this exceptional townhouse-style condo, ideally located with picturesque views of Benton Park in one of the city's most walkable neighborhoods. Step into an inviting open-concept living and dining area featuring beautiful hardwood floors, charming original woodwork, and arched window. The updated kitchen offers ample cabinet space and a convenient first-floor half bath and laundry. Upstairs, you'll find two spacious, light-filled bedrooms each with its own bathroom. The bedrooms are separated by a nook with a built-in desk, perfect for a home office. Recent upgrades include new light fixtures, washer, dryer, air conditioning unit, and furnace. The private backyard features a cedar privacy fence with aluminum accents and includes a newer TWO CAR GARAGE. This home is conveniently located within walking distance of some of St. Louis’s favorite cafes, restaurants, and shops in historic Benton Park, with quick access to Highway 55. Broker/Owner

2114 Wyoming Street, St Louis
$259,500
4 Beds ⋅ 2 Baths ⋅ 24051786 MLS ⋅ COMING SOON Status
Welcome to your beautifully renovated dream home! This stunning property features 4 spacious bedrooms and 2 full baths, including a luxurious main floor ensuite. Every detail has been thoughtfully updated to offer both style and comfort. Step inside to discover gleaming new flooring throughout, perfectly complemented by brand-new fixtures that add a touch of modern elegance. The kitchen is a true highlight, boasting sleek quartz countertops, a beautiful backsplash, and plenty of space for culinary creations. Both bathrooms are equally impressive with their own quartz countertops and stylish finishes.The home’s exterior is just as inviting, with a charming circle drive that adds both convenience and curb appeal. Whether you’re relaxing in your new space or entertaining guests, this renovated gem offers everything you need for comfortable and sophisticated living. Don’t miss the chance to make this exquisite house your new home!

1524 North And South Road, St Louis
$225,000
2 Beds ⋅ 1 Baths ⋅ 24057676 MLS ⋅ COMING SOON Status
This place is a life-size doll house and has been in the same family since 1969 - talk about pride of ownership! This 2 bedroom/1 bath bungalow holds so much in its walls. There's lots of South City charm: hardwood floors, stained glass windows & original trim. Kitchen is incredibly clean, spacious & provides plenty of cabinets. And the original tile in the bathroom paired with the butterfly wallpaper will make you swoon. In the back bedroom, you'll find stairs to the attic space which could be finished someday. Outside: a spacious yard and 1 car garage. Room to enjoy BBQ's, fire pit gatherings & garden! Walking distance to some South City favorites: Tilles Park, Golden Hoosier, Russel's, Piper's, & The Mack. Easy access for commuters. 10-15min to all things St. Louis: Ted Drews, Zoo, Cardinal & City games & Downtown. Be among many proud owners who call North Hampton HOME! All appliances stay including washer & dryer. A true gem!

5245 Tholozan Avenue, St Louis
$290,000
1 Beds ⋅ 2 Baths ⋅ 24056805 MLS ⋅ ACTIVE Status ⋅ Coeur De Royale Condo Ph Iii BLDG.
Open House Sunday 1-3pm. Step back into the era of movie stars, designer homes, and exquisite taste. This beautiful condo was professionally designed and lovingly maintained. Ideal for entertaining, with the separate dining room/living room. A family room/game room/tv room, with a built in bookcase, serves multiple options to relax and unwind. The eat-in kitchen has cabinet space galore, a double pantry and the convenience of the washer and dryer. Can you say gorgeous hall bathroom with its glamorous mirror and vanity? The primary suite is beautifully unique and what dreams are made of. Large walk-in closet for your many outfits and shoes. It also has a locked jewelry drawer for your precious gems. After a long day, enjoy soaking in the large bathtub or take a shower in the attractive full bathroom. You do not have to be concerned about living on the second floor...there is an elevator! 2 parking spaces in the garage for you and a guest. Location/Pool/tennis courts are a bonus!!

585 Coeur De Royale Drive Unit #206, St Louis
$199,000
1 Beds ⋅ 1 Baths ⋅ 24057213 MLS ⋅ COMING SOON Status ⋅ Lafayette Square BLDG.
Look no further than this updated condo in a gorgeous, historic building! With a view of Lafayette Park, and all that Lafayette Square has to offer! Enter the building’s gracious hallway, with stained glass windows and the original hand-carved staircase. In the unit, you’ll immediately notice the light-filled living room with elegant arched windows overlooking Lafayette Park, gleaming wood floors, millwork, and impressive 12’ ceilings. The space includes an open living room, dining room, and well-designed kitchen featuring granite countertops, stainless steel appliances, and a breakfast bar. The bedroom has a walk-in closet and overlooks a peaceful rear courtyard. Additional amenities include in-unit laundry, private storage, and a pet-friendly environment within a well-maintained building. The condo offers both a secure front entrance and a private rear entrance. This condo combines convenience and charm in one of St. Louis’s most desirable neighborhoods.

2166 Lafayette Avenue Unit #A, St Louis
$319,000
3 Beds ⋅ 2 Baths ⋅ 24055385 MLS ⋅ COMING SOON Status
Welcome home to 8011 New Haven Avenue ... 3 bed, 2 bath brick cottage with timeless architectural details like a flagstone front porch, coved molding, and leaded glass windows. Step inside the entry way with coat closet that opens to the living room with fireplace flanked by windows and flows into the dining room. The sunroom beyond is currently used as an office, but would make a cozy spot for reading, playing games, or watching television. The efficient kitchen walks out to the mudroom that provides excellent overflow space when you're entertaining and leads to the partially finished, walk-out lower level. Two bedrooms and a bath complete the main floor. Upstairs is the 3rd bedroom with a nice walk-in closet, a cedar closet, and lots of attic storage or possible expansion opportunity. The lower level has a great rec space, full bath, laundry and workshop areas, and accesses the tuck-under garage. Don't miss this one!

8011 New Haven Avenue, St Louis
$325,000
3 Beds ⋅ 3 Baths ⋅ 24057639 MLS ⋅ COMING SOON Status ⋅ Field Pointe BLDG.
Step into this beautifully maintained 2-bedroom, main-floor condo located in the highly sought-after Field Point complex. With an attached 2-car garage, this home offers the perfect blend of convenience and style. The warm kitchen cabinetry and elegant tile work create a cozy, inviting atmosphere, while the rich hardwood floors and floods of natural light make the space feel bright and welcoming. Additional living space in the finished basement provides endless possibilities—perfect for a home office, family room, or guest space. Enjoy peaceful mornings or evenings on your private deck overlooking serene views. This condo combines comfort, modern living, and the charm of a quiet, well-kept community. Don’t miss out on the opportunity to own a piece of Field Point!

1210 Misty Field Lane, St Louis
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