Buy A Home in the St. Louis Area

It varies by loan type. FHA loans require as little as 3.5%, conventional loans typically 5-20%, and VA/USDA loans can be 0% down. We’ll connect you with lenders who can explain your options.

Typically 2-5% of the purchase price, which includes lender fees, title insurance, appraisal, and inspection. We often negotiate seller credits to help offset these costs.

From pre-approval to closing typically takes 30-45 days once you’re under contract. The search phase varies; some homebuyers find their home in weeks, while others take a few months to find the right fit.

It depends on your finances and market conditions. We’ll help you evaluate home equity loans, bridge financing, or sale-contingent offers to determine the best strategy for your situation.

Competition depends on the neighborhood. Hot areas like Tower Grove South, Richmond Heights, or Sunset Hills can see multiple offers, while other areas move more slowly. We’ll show you real-time data on days on market, price trends, and comparable real estate listings so you understand exactly what to expect.

You don’t need one, but it’s often smart to have your own representation. Builder sales reps work for the builder, not you.

At minimum: General home inspection. Depending on the property, we may also recommend radon, sewer scope, chimney, or structural inspections. We have trusted inspectors who know what to look for. For older St. Louis City homes, we typically recommend a detailed inspection of the roof, foundation, and masonry.

Strong pre-approval, competitive price, clean terms, flexible closing, and personal connection with the seller. We craft offers that win without overpaying.