St. Louis · Missouri
Need financing for a St. Louis property? Submit your deal and our hard money specialists will explore loan options with you. Your initial inquiry is free, with no obligation.
Tell us what you need to borrow and your plans for the property.
Share a St. Louis or St. Louis County property with Hard Money Specialists and explore financing suited to your plans.
Use the form on this page to share the property, amount needed, timeline and what you want to achieve. Include anything that might complicate the deal.
A specialist reviews the details and discusses the financing routes that may suit the property and your circumstances.
The lender assesses the deal. Compare the written terms, fees, draw conditions, repayment date and any extension provisions.
Valuation, title, documentation and any other conditions must be satisfied before funding. Confirm the actual closing requirements rather than assuming a date.
Why Hard Money Specialists
Hard Money Specialists is a national specialist finance brand that works with investors across St. Louis. We help borrowers on both sides of the city line talk through their deals with a hard money specialist.
Your St. Louis inquiry is reviewed by a person who knows the area's older brick housing and rental market, not passed to an autoresponder.
Financing is arranged through a small, vetted group of hard money lenders who consider deals in the city, St. Louis County and nearby communities.
Talking through your St. Louis project with us is free. Any financing proposal is yours to accept or turn down.
A house that needs major repairs, a rental purchase with a tight deadline or an infill lot with a build plan may not suit a conventional mortgage. Hard money financing can be an option when the property and a credible repayment plan support a shorter-term loan.
Hard Money Specialists helps you talk through your deal with a hard money specialist. Tell us what you are trying to do, not just how much you want to borrow. The address, work needed, available cash or equity and intended exit all help make that conversation useful.
St. Louis is not one uniform market. A rehab in Tower Grove or Soulard needs different comparables and a different scope from a home in Kirkwood or a rental in Florissant. Start with the actual property rather than a citywide price assumption.
Read the hard money loans guide
The right structure depends on the property and what comes next. These are some of the situations you can discuss with a specialist.
Purchase and renovation financing for a resale project. An older St. Louis brick single-family or two-family may need tuckpointing, roofing, electrical or plumbing work along with updated kitchens and baths. Bring a scope that covers both, with comparable sales supporting the finished value.
Explore this financingExplore financing for a single-family rental or small multifamily property. If the plan involves a refinance after repairs, check realistic rent, insurance, ongoing expenses and the future lender's requirements before committing.
Explore this financingShort-term funding may help when a purchase, sale or refinance does not line up. Explain what event will repay the loan, what evidence supports it and what happens if that event takes longer than expected.
Explore this financingFor a vacant lot or a ground-up build, plans, permits, utility connections and contractor costs all shape whether a construction facility is suitable. Allow time for plan review in the schedule.
Explore this financingA small commercial building, land purchase or time-sensitive debt problem needs its own assessment. Share the property's use, any existing debt and the practical plan for repayment rather than trying to fit it into a standard home-loan application.
Explore this financingA good financing plan starts with a workable property plan. A few local checks can uncover costs or delays before they become a problem.
The City of St. Louis is separate from St. Louis County, which is made up of dozens of municipalities. Confirm which one the parcel sits in, because permits, inspections and taxes follow that jurisdiction.
Much of the housing stock is a century old or more. Look past cosmetics and have qualified inspectors check masonry, the roof, foundation, sewer lateral, electrical and plumbing, then price the work.
Some jurisdictions require an inspection before a property is sold, leased or reoccupied. Find out early what applies, since required repairs can affect your timeline and budget.
Values can change sharply from one block to the next, so use recent sales of truly similar homes nearby. Test the plan if the sale takes longer or a refinance valuation comes in lower.
Interest and points are only part of a project's budget. Allow for closing costs, any broker fee, inspections, insurance, taxes, utilities and a repair contingency. Ask how renovation draws work and whether you must pay for completed work before reimbursement.
Compare the amount of cash needed at closing with what you need to keep the project moving afterward. A loan that funds the purchase but leaves no room for repairs or a delay may not solve the problem.
Run the numbers for your St. Louis dealSend us the exact address whether the property is in the city, St. Louis County or a nearby community. Clayton, Kirkwood, Florissant, Chesterfield and St. Charles each have their own neighborhoods, permitting requirements and property considerations. Financing availability is assessed for the individual address and project.
Share the sale date right away, together with the debt outstanding, equity position and repayment plan. A financing inquiry does not pause a foreclosure. Speak with a qualified Missouri attorney about deadlines and legal options while any financing review is underway.
Read about foreclosure bailout optionsMissouri loans are typically secured by a deed of trust, and foreclosure is usually non-judicial. After the required notice is mailed and published, a trustee sale can follow within weeks, which makes Missouri one of the faster foreclosure states.
That speed matters on both sides of a deal. Investors buying distressed property may work to short deadlines, and owners who have fallen behind may have less time than expected to arrange a refinance or sale.
Local requirements can also affect timing, including occupancy or rental inspections in some St. Louis area jurisdictions. A title company and a Missouri real estate attorney can confirm what applies to a specific property.
General information only, not legal advice. Rules change and every property is different.