Buying a home in St. Louis, explained clearly
Whether it's your first home or your next one, you deserve to understand each step before you take it. Here's the process, the real costs, and the mistakes worth avoiding — on both the Missouri and Illinois sides of the metro.
Start where you are
Six clear guides covering the questions buyers ask most. Begin with whichever fits your moment.
First-time buyers
What to know before your first purchase — pre-approval, timelines, and what your budget actually buys.
Read the guide →The homebuying process
A clear walk-through of every step from pre-approval to closing day, so nothing catches you off guard.
Read the guide →Mortgages & financing
How loans, rates, and pre-approval really work — in plain language, not lender jargon.
Read the guide →Buyer mistakes to avoid
The costly missteps buyers make — and how to sidestep each one before it costs you.
Read the guide →New construction vs. resale
The real trade-offs between a brand-new build and an existing home — beyond the showroom shine.
Read the guide →Working with a buyer's agent
What a buyer's agent owes you, how representation works, and what to expect when we work together.
Read the guide →The buying process, step by step
Every purchase is a little different, but here's the path most buyers follow — from first conversation to keys in hand.
Choose an agent
Pick someone who will explain each step and represent your interests — that's the role I aim to play.
Get pre-approved
Talk to a lender to get pre-approved so you know your budget. Paying cash? Have proof of funds ready.
Search for homes
We line up listings that fit your criteria and tour the ones worth your time.
Make an offer
Using recent comparable sales, you make a confident, well-supported offer.
Inspection period
You typically have a negotiated inspection window (often around 10 days) to evaluate the home and, in most cases, walk away if it doesn't meet your standards.
Title & survey
The title company runs a title search, orders a survey if you request one, and handles recording.
Insurance & warranty
Shop for and secure a homeowner's insurance policy. A home warranty is optional to consider.
Final loan package
Give your lender the documents they need; lender, agent, and title company coordinate to prepare your closing.
Closing day
Sign the paperwork and receive your keys. Bring a valid photo ID.
This is a general overview to set expectations — not legal advice. Your contract and timeline set the specifics for your purchase.
Have a question about buying?
No pressure and no obligation — just honest answers about your options, your timeline, and the smartest next step for you.