Legal Disclosures

Website: STLHomeBuyersGroup.com

These disclosures provide important information about STLHomebuyersGroup.com and transactions involving STL Home Buyers Group ("Company," "we," "us," or "our").

Please review any applicable purchase agreement and transaction documents carefully before signing.

These Website disclosures provide general information only. They do not replace any disclosure, notice, contract provision, cancellation right, or other document required for a particular real estate transaction.

1. We Are a Real Estate Investment Company

STLHomebuyersGroup.com is operated by STL Home Buyers Group. STL Home Buyers Group is a real estate investment business that evaluates residential properties for possible purchase for its own investment purposes.

Depending on the property and our plans, a property we purchase may later be:

• Renovated and resold
• Held as a rental
• Resold without substantial renovation
• Transferred to an affiliated or related entity
• Used in another lawful investment strategy

Not every property will be a fit for us. Submitting information through this Website does not guarantee that we will make an offer or purchase the property.

2. We Are Acting as a Buyer, Not as Your Agent

When evaluating or purchasing a property for our own account, STL Home Buyers Group is acting in its own business and investment interests as a prospective buyer.

We are not acting as the property owner's:

• Real estate agent or broker
• Attorney
• Appraiser
• Accountant
• Tax advisor
• Financial advisor
• Fiduciary

We do not have a duty to obtain the highest possible price for your property, market the property to other buyers, obtain competing offers for you, or determine which selling option is best for you.

You are free to consult an independent real estate professional, attorney, appraiser, accountant, tax professional, or other qualified advisor before entering into an agreement.

3. Investor Offers May Be Lower Than a Traditional Sale Price

A direct investor offer may be lower than an amount a property could potentially achieve through a successful traditional market sale.

When deciding whether to make an offer and what amount to offer, we may consider factors such as:

• Property location
• Current property condition
• Property characteristics
• Comparable property information
• Estimated after-repair value
• Anticipated repairs and improvements
• Holding expenses
• Transaction expenses
• Financing expenses
• Market conditions
• Property-specific risks
• Expected investment return
• Our current investment criteria

We do not represent that an offer from us is:

• Fair market value
• Appraised value
• The property's highest possible value
• The highest available offer
• The amount another purchaser may be willing to pay

There is no single formula or fixed percentage that applies to every property. Property owners should consider the proposed price, contract terms, property condition, available alternatives, and their individual priorities when deciding whether to accept an offer.

4. Direct Sale and Traditional Listing Options Are Different

Selling directly to an investor and selling through the traditional market involve different considerations.

A traditional sale may provide an opportunity to obtain a higher selling price, but may also involve:

• Property preparation
• Repairs or updates
• Marketing
• Public showings
• Negotiations
• Brokerage compensation
• Inspections
• Buyer financing
• Contingencies
• Other transaction requirements

A direct sale involves a different process, pricing structure, and set of transaction terms. Neither option is automatically better for every property owner. Property owners should compare their available options before deciding how to sell.

5. No Guarantee of an Offer or Purchase

Submitting property information does not guarantee:

• An offer
• A particular offer amount
• Acceptance of the property
• A purchase
• A closing
• A particular closing date
• A particular transaction timeline
• A particular transaction outcome

We may determine that a property does not fit our current investment criteria. Any preliminary discussion, estimate, valuation, or proposed number is subject to additional evaluation unless and until the parties enter into an applicable written agreement.

6. No Guaranteed Timeline

The timing of a real estate transaction can depend on circumstances such as:

• Title review
• Ownership
• Liens
• Probate or estate matters
• Municipal requirements
• Property condition
• Occupancy
• Financing
• Inspections or due diligence
• Closing-provider availability
• Required documentation
• Other property-specific matters

We do not guarantee that an offer, purchase, or closing will occur within any particular number of days. If a transaction proceeds, the applicable written purchase agreement will identify the agreed transaction terms, including the proposed closing date.

7. Selling a Property As-Is

We may consider properties in their current condition.

When we use phrases such as "as-is" or "sell your house as-is," we generally mean that a property owner does not need to renovate or update the property simply to ask us to evaluate it.

Selling as-is does not mean that:

• We are required to purchase every property
• Every property condition will automatically be accepted
• Legal disclosure requirements disappear
• Title issues are automatically resolved
• Municipal issues are automatically resolved
• All transaction costs are automatically paid by us
• Personal property may always remain at the property
• A seller is relieved of obligations imposed by applicable law

The applicable written purchase agreement and closing documents control the actual rights and responsibilities of the parties.

8. Seller Disclosure Responsibilities

Selling a property as-is does not eliminate disclosure responsibilities that may apply under Missouri law or other applicable law.

Different disclosure obligations may apply depending on the facts and circumstances of a particular property. These may include certain known environmental conditions, property conditions, legal requirements, contractual disclosures, or other matters required by law.

Property owners should provide truthful information concerning the property and should consult an attorney if they are unsure about a legal disclosure obligation. Nothing on this Website should be interpreted as advising a property owner to conceal or withhold information that applicable law requires to be disclosed.

9. Title, Liens, Ownership, and Occupancy

Properties involving title, ownership, occupancy, or other complications may still be considered, but additional review may be necessary. Examples can include:

• Mortgages
• Tax liens
• Judgment liens
• Probate or estate ownership
• Multiple owners
• Heirs
• Trusts
• Divorce-related ownership
• Tenants
• Existing leases
• Municipal matters
• Other title or occupancy issues

We do not guarantee that any particular title, lien, ownership, tenant, municipal, or other property issue can be resolved. Any required resolution will depend on the facts, applicable law, title review, and the written agreement.

10. The Written Purchase Agreement Controls

Website content, advertisements, emails, telephone conversations, property evaluations, estimates, and preliminary discussions are not substitutes for the applicable written purchase agreement.

If the parties enter into a transaction, the written agreement may address matters such as:

• Purchase price
• Earnest money
• Due diligence
• Property condition
• Title
• Closing
• Possession
• Costs and credits
• Personal property
• Contingencies
• Termination rights
• Assignment rights, if applicable
• Other transaction-specific terms

You should read the agreement carefully before signing. If you do not understand a provision, you may consult an independent attorney or other qualified professional.

11. Cancellation and Termination Rights

Cancellation and termination rights depend on the particular transaction, written agreement, and applicable law.

We do not represent that every property owner automatically receives a particular review period or unrestricted right to cancel a signed real estate agreement. Any contractual cancellation or termination rights will be stated in the applicable written agreement. Additional rights may apply when required by law.

Nothing on this Website limits a cancellation or termination right that applicable law makes nonwaivable.

12. Missouri Transaction-Specific Disclosures

Certain Missouri real estate transactions may require additional disclosures, notices, timing requirements, signatures, cancellation rights, or other procedures under applicable law.

If a transaction involving STL Home Buyers Group is subject to a legally required disclosure, including Missouri residential real estate wholesaling requirements when applicable, the required disclosure will be provided separately in the manner and timeframe required by law.

This Website disclosure does not replace any transaction-specific disclosure required by Missouri law. Nothing on this Website is intended to modify or waive a disclosure, notice, waiting period, signature requirement, cancellation right, or other protection that applicable law makes nonwaivable.

13. Assignment or Transfer of Contract Rights

Whether a particular real estate purchase agreement may be assigned or transferred depends on the agreement and applicable law.

If an agreement permits assignment or transfer, contractual rights may be assigned or transferred as permitted by the written agreement and applicable law. Any legally required disclosure concerning the structure of a transaction will be provided separately when applicable.

14. Independent Advice

Property owners are free to seek independent advice before entering into a transaction with STL Home Buyers Group. Depending on your circumstances, you may wish to consult:

• A Missouri real estate attorney
• A licensed real estate professional
• A qualified appraiser
• A tax professional
• An accountant
• A financial advisor
• Another qualified professional

We do not discourage property owners from obtaining independent advice. Any professional you select represents you according to your separate relationship with that professional.

15. No Professional Advice From This Website

Nothing on STLHomebuyersGroup.com constitutes:

• Legal advice
• Tax advice
• Financial advice
• Accounting advice
• Appraisal services
• Engineering advice
• Title advice
• Real estate brokerage advice

Website information is provided for general informational purposes. Property owners should obtain appropriate professional advice for matters requiring professional judgment.

16. Property Values, Comparable Sales, and Public Records

Property values, comparable property information, tax records, square footage, ownership information, repair estimates, after-repair values, sales history, and other property information may come from:

• Public records
• Government records
• Third-party sources
• Property-data providers
• Estimates
• Comparable-sale information
• Our own investment analysis

This information may be incomplete, outdated, inaccurate, or subject to interpretation. Unless expressly stated otherwise, our property analysis is not a licensed appraisal or guarantee of value. We may verify, revise, or reconsider information as additional facts become available.

17. Municipal and Property-Specific Requirements

Properties throughout Missouri may be subject to different:

• Inspection requirements
• Occupancy requirements
• Code requirements
• Permits
• Municipal procedures
• Taxes
• Assessments
• Transfer requirements
• Other local requirements

We do not represent that the same requirements apply to every property. Property-specific requirements are addressed based on the property's location, transaction structure, applicable law, and written agreement.

18. Property Access and Due Diligence

Depending on the property and proposed transaction, we may request additional information or access to the property before deciding whether to make or proceed with an offer. This may include evaluating:

• Property condition
• Repairs
• Occupancy
• Utilities
• Structural or mechanical systems
• Title information
• Municipal information
• Other property-specific matters

Submitting a property does not guarantee that no inspection, walkthrough, due diligence, or property access will be requested. Any due diligence rights relating to an actual transaction are governed by the written agreement.

19. Contact Information and Communications

When you submit information through STLHomebuyersGroup.com, you are providing information to STL Home Buyers Group so that we may respond to your inquiry and evaluate the property.

If you provide a phone number or email address, we may contact you by phone or email concerning the property or inquiry you submitted. Submitting the form does not obligate you to sell and does not obligate us to purchase the property.

Information is handled according to our Privacy Policy. We do not sell property-inquiry information to unrelated data brokers for their independent marketing purposes.

20. Third Parties Involved in a Transaction

If an inquiry progresses toward a potential transaction, relevant information may be shared with parties involved in evaluating, preparing, financing, structuring, or completing the transaction. Depending on the circumstances, these parties may include:

• Title companies
• Closing or escrow providers
• Attorneys
• Lenders
• Funding partners
• Investors
• Potential purchasers
• Assignees
• Transaction coordinators
• Inspectors
• Contractors
• Appraisers
• Surveyors
• Insurance providers
• Other transaction-related professionals or service providers

The parties involved will depend on the particular transaction. Additional information regarding our handling of personal information is available in our Privacy Policy.

21. No Government Affiliation

STLHomebuyersGroup.com and STL Home Buyers Group are privately operated.

We are not affiliated with, sponsored by, operated by, or endorsed by:

• The State of Missouri
• The City of St. Louis
• St. Louis County
• St. Charles County
• Any federal agency
• Any other governmental entity

Use of geographic names is intended to describe locations and markets and does not imply government affiliation or endorsement.

22. Missouri Consumer Protections

Nothing on this Website or in these disclosures is intended to permit or excuse deception, fraud, false promises, misrepresentation, unfair practices, or the concealment or omission of material facts where disclosure is legally required.

Nothing in these disclosures is intended to waive any right, protection, disclosure requirement, remedy, or obligation that applicable Missouri or federal law makes nonwaivable. If Website content conflicts with a nonwaivable legal requirement, the applicable law controls.

23. Other Transaction-Specific Requirements

Certain transactions may be subject to additional federal, state, or local requirements depending on their structure and circumstances. Examples may include transactions involving:

• Particular title or ownership circumstances
• Sale-leaseback arrangements
• Environmental conditions
• Estate or probate matters
• Occupied properties
• Contract assignments
• Other specially regulated transactions

When an additional disclosure, notice, consent, or procedure is legally required, it will be handled separately as required by applicable law. This Website page does not replace transaction-specific statutory disclosures or notices.

24. Changes to These Disclosures

We may update these Legal Disclosures to reflect changes in:

• Our Website
• Business practices
• Transaction practices
• Applicable law
• Regulatory requirements

When changes are made, we will update the Last Updated date at the top of this page. Nothing in an updated Website disclosure modifies the terms of an existing binding real estate agreement unless the parties lawfully agree otherwise in writing.

25. Contact Information

Questions regarding these disclosures may be directed to:

STL Home Buyers Group
Website: STLHomeBuyersGroup.com
Email: hi@stlhomebuyersgroup.com
Phone: (314) 597-1004

Important Final Disclosure

STL Home Buyers Group is a real estate investment business acting for its own investment interests when evaluating a property for possible purchase. We are not acting as the property owner's real estate agent, broker, attorney, appraiser, financial advisor, tax advisor, or fiduciary.

A direct investor offer may be lower than an amount a property could potentially achieve through a successful traditional market sale. Property owners are free to compare other selling options and obtain independent advice before entering into an agreement.

Submitting property information does not guarantee an offer, purchase, price, closing, timeline, or transaction outcome and does not obligate the property owner to sell.

Any actual real estate transaction is governed by the applicable written agreements, legally required transaction-specific disclosures, and applicable law.