Welcome to our site! Please take time to search the entire MLS, you will find all homes listed in the St. Louis City and County, Jefferson County, and also St. Charles County. We pride ourselves in providing excellent customer service when you sign up, so do take advantage of our awesome search tool that also provides you the opportunity to have the newest and hottest listings emailed to you moments after they have hit the market.
2009 is a new year loaded with new opportunities for first time home buyers and sellers that are looking to move up. Buyers are being offered Grants of $3000 plus, and Tax incentives of $8000, Homes are on sale and you have lots of choices! Check out the links below and make sure you are working with a Reputable Realtor and Lender that work with these different programs to make sure you are getting the best deal possible and all the incentives you qualify for. Remember it cost you nothing as the Buyer to use the services of a Realtor so keep yourself protected!
We are always willing to answer any questions you might have, to ask a question or request additional information email Phyllis at: Homes@AskPhyllis.com or call 314-580-3100
Check out what St. Louis has to Offer from A-Z
Beyond Housing Grant - For those who have not owned a home in the past 3 years.
Rural Housing Developement - Govt. subsidized loans based on income and number of dependents. Loans range anywhere from 1% to 4.65% interest rates depending on income. These loans are available to anyone not just first time homebuyers.
MHDC funds in combination with the $8000 tax credit - allows an advance on the $8000 to provide down payment assistance and possible 100% loan.
To begin the Pre-Qualification process I would highly recommend one of these preferred lenders: They specialize in the above programs plus will have many more options for you.
Delmar Financial - Marie Cuddihee at 314-843-0400 or email mariecuddihee@delmarfinancial.com
USA Mortgage - Jerry D'Agostino at 314-628-2005 or email jerryd@usa-mortgage.com
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Closing or Settlement >Moving Day
Here are some tips for coordinating a move that depends on careful timing. Say the closing on the sale of your home is Friday morning at 11:00, and that afternoon at 3:00 you are to complete the transaction on the house you are buying. Your sellers are completing the purchase of their new house on Monday. As sellers, each of you is obligated to leave your house vacant and clean at the time of the closing. You will each take possession of the home you are buying after the closing.
If you are faced with a game of musical moving vans, you may want to negotiate with your buyers or sellers to remain in your old house for a few extra days or move your belongings into the new home a little early. You should draw up a written agreement which details your arrangement, such as the amount of rent, the move-in or move-out date, and any agreements regarding utilities, insurance, or a damage escrow. If you need to make special arrangements for your move, let your real estate agent know and work out the details as early as possible in advance of the closing.
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