Frequently Asked Questions About Selling Your House fast in St. Louis
Get straight answers about how home buying works, what we pay, our process, and what to expect when you sell your St. Louis home to STL Pro Homebuyers.
COMMON QUESTIONS
How Our Home Buying Process Works
How do cash home buyers work in St. Louis?
Cash home buyers in St. Louis buy your house without real estate agents, bank financing, or the lengthy retail closing process. With STL Pro Homebuyers, you contact us with your property details, receive a fair offer quickly, and choose your closing date. We buy houses in any condition and close on your timeline, with no fees or commissions charged to you.
What is the process for selling my house to STL Pro Homebuyers?
Our process has three simple steps.
Step 1: Contact us with your property address and basic details by calling (636) 400-6060 or filling out our online form.
Step 2: We evaluate your property and present a fair, no-obligation offer, and we can explain how we arrived at the number.
Step 3: If you accept, you choose the closing date, a licensed Missouri title company handles the paperwork, and you get paid at closing.
How fast can I sell my house in St. Louis?
You sell on your timeline with STL Pro Homebuyers, whether that is fast or far out, with the practical pace set by title work and by you. There is no retail buyer mortgage approval, no appraisal contingency, and no waiting on bank financing, which is what makes a direct sale faster than a traditional listing. You control the closing date.
Do I have to accept the cash offer you give me?
No. Our cash offers are completely no-obligation. You are free to accept, decline, or take time to think about it. There is no pressure, no hard sell, and no deadline on our offers. We want you to feel confident in your decision before moving forward.
What documents do I need to sell my house for cash?
To sell your house for cash to STL Pro Homebuyers, you typically need a valid photo ID, your mortgage statement (if applicable), and access to sign closing documents. The title company handles the title search, deed preparation, and all other paperwork. We guide you through the entire process so you know exactly what to expect at every step.
How quickly will I receive my cash after closing?
You get paid at closing via wire transfer or cashier's check through the title company. There is no waiting on bank processing or retail buyer contingencies. The closing takes place at a local title company, and once the paperwork is signed, the funds are disbursed.
Pricing, Fees & What We Pay
How much do cash home buyers pay for houses in St. Louis?
Cash home buyers in St. Louis typically offer 70-75% of a home's after-repair value (ARV) minus the repair costs, depending on the property's condition and location.
Are there any fees or commissions when selling to a cash buyer?
No. When you sell to STL Pro Homebuyers, there are zero fees and zero commissions charged to you. We show you the numbers up front, and there are no hidden charges of any kind. Any existing mortgage balance, liens, or prorated taxes are paid from proceeds at closing through the title company, like in any sale.
Who pays closing costs when selling to a cash buyer in St. Louis?
In a traditional sale, sellers typically pay closing costs plus agent commissions out of their sale price. When you sell to STL Pro Homebuyers, no fees or commissions are charged to you, and we're transparent about every number before you sign. Any existing mortgage or liens are paid from proceeds at closing through the title company, so there are no surprises at the table.
What is the 70% rule for cash home buyers?
The 70% rule is a guideline that many cash home buyers and real estate investors use to determine their maximum offer. It states that an investor should pay no more than 70% of a property's after-repair value (ARV) minus the cost of repairs. For example, if a home's ARV is $200,000 and it needs $30,000 in repairs, the offer would be ($200,000 x 0.70) - $30,000 = $110,000.
Is it worth selling my house to a cash buyer instead of listing with an agent?
It depends on your situation, and everyone's situation is different. Sometimes listing with an agent is the better move, especially if your house is in good condition and you have time. Selling to a cash buyer is worth considering if you need to sell fast, want to avoid repairs, or want to skip agent commissions. While the offer price is typically lower than full market value, the net proceeds are often comparable once you subtract agent commissions, closing costs, and the cost of repairs from a traditional sale. A direct sale also gives you more certainty, since there is no retail buyer financing that can fall through.
Can I sell my house for cash if I still owe money on the mortgage?
Yes. Most homeowners who sell for cash still have a mortgage on the property. At closing, the remaining mortgage balance is paid off from the sale proceeds, and you receive the difference. If you owe more than your home is worth, contact us to discuss your options, we may still be able to help.
Property Condition & What We Buy
Do I need to make repairs before selling my house for cash?
No. STL Pro Homebuyers buys houses in any condition, no repairs, cleaning, or renovations needed. We purchase homes with fire damage, foundation problems, roof issues, mold, outdated systems, hoarding situations, and more. You do not need to spend a single dollar preparing your home for sale.
Do I need to clean out my house before selling?
No. You can leave behind any unwanted furniture, belongings, trash, or debris. The entire cleanout and removal happens after closing at no cost to you. Take what you want and leave the rest.
What types of houses do you buy?
STL Pro Homebuyers purchases all types of residential properties in St. Louis County, St. Charles, Warren, Lincoln, Jefferson Counties, including single-family homes, duplexes, townhomes, condos, and small multi-family properties. We buy houses in any condition, move-in ready, outdated, damaged, or in need of major repairs.
Will you still buy my house if it has code violations?
Yes. STL Pro Homebuyers buys houses with code violations, municipal liens, and outstanding city citations. After closing, resolving code issues is no longer your responsibility. You do not need to spend time or money fixing code violations before selling to us.
What if my house has foundation problems?
We buy houses with foundation problems in St. Louis. Foundation issues like cracks, settling, bowing walls, and water intrusion do not prevent us from making an offer. We factor the repair costs into our evaluation and purchase the property as-is, no repairs needed on your end.
Do you buy fire-damaged houses in St. Louis?
Yes. We buy fire-damaged and storm-damaged houses in any condition throughout St. Louis County and St. Charles County. You do not need to repair the damage before selling. We evaluate the property as-is and make a fair offer. If you have questions about an insurance claim, we recommend confirming the details with your insurance company. Learn more about selling a fire-damaged house.
Inherited Homes, Divorce & Other Situations
Can I sell an inherited house in St. Louis without making repairs?
Yes. STL Pro Homebuyers buys inherited houses as-is with no repairs needed. If you have inherited a property and do not want to deal with renovations, listing with an agent, or ongoing maintenance costs, we can make an offer and close quickly, even if the property is still in probate. A probate attorney can confirm your specific authority to sell. Learn more about selling an inherited house.
Can you buy my house if it is in probate?
Yes. STL Pro Homebuyers regularly purchases probate properties in St. Louis. We work with estate attorneys to help the process go smoothly. Once the court grants the personal representative authority to sell, we can close quickly so you can settle the estate without unnecessary delays.
Can I sell my house during a divorce in Missouri?
Yes. Selling a house during a divorce is common, and a direct sale can make it faster and simpler. STL Pro Homebuyers can purchase your property quickly so both parties can divide the proceeds and move forward. The title company handles the paperwork, and we coordinate with both parties and their attorneys.
Do you buy houses with tenants still living in them?
Yes. STL Pro Homebuyers buys tenant-occupied properties in St. Louis. Whether you have cooperative tenants, problem tenants, or active leases, we purchase the property as-is, and after closing the tenant situation is no longer yours. You do not need to evict tenants before selling to us.
Can I sell my vacant house for cash in St. Louis?
Yes. Vacant houses cost you money every month in property taxes, insurance, maintenance, and potential vandalism risk. STL Pro Homebuyers buys vacant properties quickly so you can stop the financial drain and move forward.
Can you help me relocate quickly from St. Louis?
Yes. If you need to relocate for a job, family, or personal reasons, STL Pro Homebuyers can purchase your home fast, so you can move without waiting months for a traditional sale. We coordinate closing around your moving schedule.
St. Louis Market & Service Area
What areas in St. Louis do you buy houses?
STL Pro Homebuyers buys houses throughout St. Louis County, St. Charles County, Warren County, Lincoln County, and Jefferson County Missouri. We serve Chesterfield, Florissant, Kirkwood, Ballwin, Webster Groves, Ferguson, Creve Coeur, University City, Maplewood, Clayton, O'Fallon, St. Peters, St. Charles, Wentzville, Lake Saint Louis, Arnold, Fenton, Troy, Wright City and all surrounding communities.
Do you buy houses in St. Charles County?
Yes. STL Pro Homebuyers actively buys houses throughout St. Charles County, including O'Fallon, St. Peters, St. Charles, Wentzville, and Lake Saint Louis. We provide the same home buying offer process to homeowners in St. Charles County as we do in St. Louis County.
How does the St. Louis real estate market affect cash offers?
The St. Louis market has strong cash buyer activity. St. Louis's affordable home prices and growing population make it attractive to investors. STL Pro Homebuyers bases our offers on current local market data, comparable sales, and the specific condition of your property.
Trust, Legitimacy & Why STL Pro Homebuyers
Are cash home buyers legitimate?
Yes, the industry is legitimate and well-established, with reputable local companies operating across the St. Louis area, alongside some bad actors worth screening out. To vet any home buyer, check their Google reviews, Better Business Bureau listing, physical presence, and track record, and ask them directly how they plan to get your sale to the closing table. A serious buyer expects the question and answers it plainly. STL Pro Homebuyers has Google reviews and uses reputable local title companies for closings.
How is STL Pro Homebuyers different from national "We Buy Houses" companies?
STL Pro Homebuyers is locally owned and operated in the St. Louis area, not a national franchise or call center. We know the local neighborhoods, market values, and real estate conditions in St. Louis County and St. Charles County firsthand. You work with our local team from start to finish, not a rotating staff of strangers.
GET STARTED TODAY
Ready to Start the Process?
If you're ready to sell your house fast in St. Louis, here's what to do: Click the button below or call us at (636) 400-6060 and tell us about your property.
