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You have found Bryan Young and his team at the

Young Realty Group                  314-832-1221
Proudly Serving St. Louis City, St. Louis County, St. Charles County, Jefferson County & all of Metro St. Louis
Maris BD                                                                                                                          SIRSMLS

To contact us: 314-832-1221 or Bryan@YoungRealtyGroup.com

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Real Answers to Your Real Estate Questions

200 Helpful Links and Resources You Can Use...

Take Your Home Equity and Run - Many people are selling their homes and moving to less-expensive regions of the United States. Here's what they're doing and how they're doing it.

Allowances: How Soon and How Much? - Most financial experts agree that children should be given an allowance in order to learn financial skills at an early age. But how early, and how much?

6-Step Financial Emergency Plan - Have to leave your home in a hurry? Create a personal finance disaster kit.

50-year Mortgages: Low Payments, Low Equity - They're not much different from an interest-only loan and therefore not a good idea for many home buyers.

Does Money Make You Mean? - A recent study indicates that money-minded folks are more indifferent and tend to be socially clueless.

Ten Reasons Not to Ensure Your Cell Phone - More than 50 million people pay to insure their cell phones. They think they're protecting an investment but they're usually wasting their money.

Secrets to Simultaneous Real Estate Closings - It's a normal situation: close on both a home sale and a purchase the same day. But it's fraught with peril.

10 Down Payment Tips - Rates are at historic lows, but for many home-hunters, so are cash reserves. Here's how to build that down payment ASAP.

Keep the Mortgage or Pay Off the House? - Should you use your nest egg to pay off the mortgage or keep the tax deduction? Bankrate does some eye-opening math to help you with retirement questions.

13 Tips for Selling Your Home in the Winter - When the snow is swirling and would-be buyers are scarce, a few extra steps could make a difference.

Ten New Tax Laws You Need to Know - Lawmakers were busy in 2006, so be sure to check out these tax code changes. They might save you some money.

Section 179 and My New F250 - The law still favors the purchase of disproportionately large vehicles when it comes to depreciation deductions, says George Saenz.

Home Selling or Buying - Top Tips for '07- Year 2007 will be one of transition, bringing most U.S. markets one step closer to healthier home sales. In the meantime, take note of these home-buying and home-selling strategies in a down market, from Real Estate Adviser Steve McLinden.

Pros and Cons of Reverse Mortgages - They charge steep upfront costs and may interfere with Medicaid eligibility, but seniors are relying on them more than ever.

Feeling Wealthy Can Make You Poor - The wealth effect from rising home values and fatter portfolios can lead you to a dangerous precipice: living a more expensive lifestyle than you can afford.

New Tax Deduction for Mortgage Insurance - Just before convening, Congress slipped in a provision making mortgage insurance tax deductible on mortgages taken out in 2007.

7 Smart Mortgage Moves for 2007 - Mortgages and real estate changed dramatically in '06. Have you learned the lessons well enough to apply them in '07?

Deciding Between Debt and Down-Payment - Generally, it's best to build your down payment first, says Dr. Don.

Hiring Real Estate Agents in a Buyer's Market - There are lots of eager agents out there. But to sell your house in today's market, you want to find the best one for you, not necessarily the cheapest.

Conflicting Credit Scores Cause Confusion - A new credit score on the mar ket that uses a different scale than the well-known FICO score can fool mortgage customers.

Prepping Your Car for Adverse Weather - Don't let these common mistakes leave you spinning your wheels, or worse.

Winterizing Your Home - Since fuel prices this year are generally lower than last year, consider investing your savings in improvements that will help you cut energy costs for years.

Housing Trends of the Past, and Future - Take this retrospective ride through housing trends of the past and learn about hot updates for the future.

Sorting Out Your Medical Insurance Options - These new plans can save you money, but you need to know what you're doing.

Preventing Squables Over Your Will - If you want an ironclad will, an "in terrorem" provision helps make sure your heirs won't contest it.

14 Myths About Credit Freezes - Confused about this identity theft deterrent? Here's what a credit freeze will and will not do to protect your credit files.

A Feast for Pennies - How to cook a formal feast for cheap.

Top Five Strategies for a Lifetime of Savings - If you want to be serious about building up your savings you should start with a solid foundation.

Safely Stashing Short Term Cash - For openers, it depends on what you consider short term, says Dr. Don.

What, exactly, is 'good' credit? - Like treasure and trash, what constitutes a "good" credit score depends on whom you ask.

Escaping an Underwater Mortgage - A combination of rising mortgage interest rates and falling home values could plunge thousands of homeowners underwater -- owing more than the homes are worth. We look at the options for those borrowers.

Understanding Equity Accelerator Mortgages - It's a mortgage, and a home equity loan, and it's another hot new loan product. But is it any good?

Real Life Stories of Financial Horrors - Cringe in terror at the mess ups that happened in customer service departments, at the hands of mortgage lenders and at credit card companies across the nation. Welcome to the Bankrate Chamber of Horrors.

Home Equity is Not Your Savings Account - It's not as accessible as you may need and, worse, it could disappear almost overnight.

Mortgage Interest Deduction Not Always Best - When analyzing whether to deduct your mortgage interest, you have to also consider the standard tax deduction and your tax rate, says Dr. Don.

Low Credit Score Means High PMI - More than your mortgage rate will go up with a bad credit report. Your private mortgage insurance rate will jump, too.

Real Estate Agents - Sink or Swim Time - Despite the downturn in the market, flexible hours, commission-based income and the opportunity to be your own boss are still attractive to many.

What it Takes to be a Real Estate Agent - Here's an overview of what you need to do and what it will cost you if you want to sell residential real estate.

To Sign or Not to Sign? - Many consumers refuse to sign their credit cards, or write "check ID" thinking it will thwart fraud.

Make the Most of a Buyers Market - 4 Tips - Sure, prices are dropping, but that's not always enough to land you the home you really want at the price you can pay.

How to Opt Out of (almost) Anything - From credit card offers to binding arbitration, here's how to escape the annoyances and unfriendly terms that businesses try to foist on you.

Top Ten Car Buying Mistakes - Opening your heart and mouth to an auto salesman is roughly akin to opening your bank account. Here are the most common mistakes you can make.

Selling Your House in a Down Market - 5 Tips - It's official. It's a buyer's market out there for home sellers. But homes are still selling, mostly by people who know the landscape has changed.

Lowballing in a Cooling Housing Market - Current market conditions will spur home sellers to consider lower offers, but don't expect them to panic, says Real Estate Adviser Steve McLinden.

Be Patient - Home Buyers Will Return - The market has chilled in many areas of the country but the current construction slowdown will create new demand down the road, says Steve McLinden.

9 Fishy Scams to Avoid - Think you're too smart to take the bait? Don't be too sure. Con artists are coming up with new, creative ways to hook you and your wallet.

How to Find and Fix Radon in Your Home - A basic primer on radon: What it is, how it gets in your home and what to do about it.

Like Kind Exchange on Rental/Vacation Home - Using a rental property as a part-time vacation home generally takes the property outside of the like-kind exchange realm, says CPA George Saenz.

Picking an Agent? Get Smart! - Selecting an agent should not be done haphazardly. What to look for when buying or selling.

12 Financial Tips for Women - Too many elderly women live in poverty. These tips can keep you from being one of them.

The Family, Family, Family Home - Multigenerational households are becoming more common, and builders are responding to the demand by designing unconventional spaces.

House Hunting? Here's a Great Deal for You - Since the real estate market has cooled in some markets, developers and home sellers have been offering huge incentives, such as a free pool or luxury car, to move properties. Mercedes-Benz, anyone?

Single Women Pour Into Real Estate - They now make up more than one-fifth of all home buyers.

Five Easy Ways to Improve Your Credit - Your best ally in credit repair is time, but you can speed things along by following these five tips from Steve Bucci.

Cleaning Up at Garage Sales - 5 tips for smooth "saling" at your neighborhood garage sales

Theory of Money Relativity - At best, money relativity is nothing more than an eccentric mind game. At worst, it can serve as a rationalization for a host of financially irresponsible impulses.

Be Careful Shifting in to Automatic Bill Pay - It's convenient, but it can cause problems if you're not careful.

How to Haggle Like a Pro - Ready to buy that new home or car? Here's how the best hagglers ply their trade -- and how you can put their tactics to use.

Home Buyers Will Return - The market has chilled in many areas of the country but the current construction slowdown will create new demand down the road, says Steve McLinden.

How to Negotiate Your Closing Costs - Consumers can save thousands on their closing costs, if they know which items are negotiable and which they can purchase themselves.

Web Based Real Estate Marketing - When you view preconstruction projects online, discern between virtual previews of a neighborhood and virtual traps.

Home Owner's Insurance - Don't Go Bare - High premiums make it tempting, but experts say it's a big risk.

17 Ways to Reduce Home Energy Costs - Money-saving tips for managing your home energy expenses.

5 Ways to Tame Your Line of Credit Payment - Home equity line of credit payments have been skyrocketing, but the worst may be over, and if the payment pain is too great, you have other options.

How to Make Your Garage Sale a Success - Step-by-step guide for turning your old treasures into cash.

10 Steps to a Money Smart Divorce - Severing your fiscal as well as marital ties is never easy, but these tips will help you steady your financial ship as you set sail for the solo voyage ahead.

10 Tricks to Make Big Improvements on Llittle Cash - Little changes can make a huge difference in the appearance of your home.

10 Bad Habits that Lead to Debt Disaster - If you're up to your eyeballs in debt, reviewing your money missteps can help prevent you from repeating them and show you the way out.

Single Women Pour into Real Estate - They now make up more than one-fifth of all home buyers.

Is Your Bank Spying on You? - A government program aimed at nabbing terrorists and money launderers is also flooding the government with reports on ordinary citizens' banking activities.

Losses from Rental Real Estate - If your deductions, including depreciation, interest and upkeep, exceed your income, you have a loss from rental real estate, says CPA George Saenz.

Avoid Seller's Agent on 'Must Have' House - If you can't have your own agent, get a "dual agency" agreement in writing and hire a real estate attorney to protect your interests, advises Steve McLinden.

5 Homeownership Tax Myths - Owning a home usually provides substantial tax breaks. But sometimes, the tax code's complexity gets in the way.

Do You Need a Mortgage Fixer? - The title guy and the lender are supposed to do their jobs so your closing is on time. But what if they don't?

Feds Ask: Is that Mortgage Good for You? - Consumers too often get home loans that are too risky, and federal regulators are wrestling with the question of who should say "no" to misguided mortgage-hunters.

Keep Length of Listing Contract Just Right - Give your listing agent enough time to sell your home but not enough to dawdle, says Real Estate Adviser Steve McLinden.

Selling Strategy for Fixer-Upper - You have to weigh the cost of your loan interest against the additional tax you would pay if you hold the p roperty for less than a year, says CPA George Saenz.

Like-Kind Exchange With rental/Vacation Home - Using a rental property as a part-time vacation home generally takes the property outside of the like-kind exchange realm, says CPA George Saenz.

Formulas for Investment Success - Prospective real estate investors need to run some numbers before making a deal. Experts share their formulas for success.

Investment Property Deals Scarce - Cashing in now on the real estate boom will be harder than it's been in recent years, say experts. But for long-term investors, it's not impossible to find a decent deal.

Condo-Hotels: Hot Stakes or Heartbreaks? - Individual hotel rooms in hot vacation spots are generating enthusiasm among real estate investors. The rooms can generate income too, but will it be enough to cover the costs?

Is it Time to Cash Out? - With real and perceived threats hanging over home equity nest eggs everywhere, many ask if they should take the money and run.

Time to Review Your Home Owner's Policy - If you haven't looked over your homeowners coverage since the Clinton era, you're long overdue for a thorough review. Chances are, your policy's a real nail-biter.

Hindsight and Capital Gains Taxes - You could have avoided paying capital gains taxes on the sale of your property if you had entered into a like-kind exchange before you closed the deal, says CPA George Saenz.

50 Year Mortgage Debuts in California - The Methuselah of mortgages has arrived: the 50-year home loan.

30 Year Mortgage Rises Fifth Week in a Row - Americans feel confident about their futures - more bullish than bond traders had expected. High spirits translate into higher mortgage rates.

Discount Brokers: Does Less mean More for You? - Discount real estate brokers have proliferated nationwide. Are they discounting their fee or the service they provide?

A Home Equity Line of Credit Plan of Attack - As interest rates rise, people with a home equity line of credit wonder what to do: Keep it, and risk more rate hikes, or pay it off by refinancing.

Top Renovations for Boosting Sales Price - If you're planning to sell the farm, you can grow the price and harvest a windfall with these five projects.

IRS Names Autos Eligible for New Tax Credits - A new law could mean big tax savings if you purchase one of these hybrid vehicles this year.

Home Improvement Guide 2006 - Remodeling and improving our homes has become a national pastime. This guide takes you through it step by step.

Top 10 Mistakes of DIYers - Knowing what you can do and what you can't tops the list of the biggest and most common mistakes weekend warriors make on home projects.

Trends in Home Improvement - New studies show landscaping and more elaborate kitchens top the home improvement want-list as Americans spend more and more to remodel their homes.

Flipping Houses for a Living is a Real Trick - Many Americans try to do it, many more talk and dream about it. Is it a realistic way to make a living?

Finding a 40 Year Mortgage - They're a bit harder to find than their 30-year cousins, but a credit union or mortgage broker should help, says Dr. Don.

Manufactured Homes - Not Tin Cans on Wheels - Factory-built homes have suffered an image problem, but experts say they've become good investments. One hurdle that remains is financing.

Rental Property Manager - Yes or No? - It's a lot of work to do it yourself, but it's cheaper and you might get a better result.

Finding a 40 Year Mortgage - They're a bit harder to find than their 30-year cousins, but a credit union or mortgage broker should help, says Dr. Don.

Manufactured Homes - Not Tin Cans on Wheels - Factory-built homes have suffered an image problem, but experts say they've become good investments. One hurdle that remains is financing.

Rental Property Manager - Yes or No? - It's a lot of work to do it yourself, but it's cheaper and you might get a better result.

12 Tips for a Mold Free Home - Whether caused by flooding or trapped moisture, mold can wreak havoc and is unlikely to be insured. Here are experts' tips for preventing and removing mold.

Lawn and Garden Equity - Using landscaping to create harmony outdoors can enhance your enjoyment of your home and its ultimate resale value.

Tax Consequences of Flipping Real Estate - If you're not careful, you'll be making big profits for the IRS.

Should You Remodel or Move? - You can fix it up or you can buy a new house. Here are some things to think about before you decide.

A Fight Over Web Listings Leaves Buyers Unsure - Home buyers searching for houses on the Internet won't know if they're casting a wide net or just dangling a hook under a disputed rule governing how properties are listed on the Web.

Is a Pre-Payment Penalty Deductible? - For tax purposes, a prepayment penalty is deductible in the same way as mortgage interest, says our tax adviser.

17 Ways to Reduce Home Energy Costs - Money-saving tips for managing your home energy expenses.

7 Biggest Misconceptions About Life Insurance - Many myths surround life insurance, such as only the family breadwinner needs life insurance and you need life insurance totaling seven times your income. Here's the truth.

Know Your Option ARM Choices Well - Like a chainsaw, these new and popular adjustable mortgages can be useful or harmful, and the risk is borne entirely by the user.

Mum's the Word on Why You're Selling - Revealing your motivation to sell your home almost always gives the buyer a strong negotiating advantage, warns Steve McLinden.

Sell High, Rent Low: The Bubble Sitters - People are gambling their nest eggs on the belief that home values have risen too high and soon will fall. Meet the bubble sitters, who have sold their homes, locked in their profits and become renters.

Should You Wait for the Pop? - If history is a guide, bubbles don't always burst; local recessions do that. More often, booms are followed by plateaus.

Bump Up Your Credit Score in a Hurry - Planning to buy a home, refi a loan or shop for a new car? Check your score and if you're not satisfied, use these tips to give it a lift.

12 Country Building Suprises and How to Avoid Them - The air may be cleaner, but important things like building codes can be a bit murky.

When to Dump Your Term Insurance - Some people buy term policies for all the right reasons, but hold onto them too long for all the wrong reasons.

Top Ten Mistakes by Novice Real Estate Investors - Real estate has become the investment everyone sees as their ticket to easy wealth. It's not that easy.

Ten Mistakes Do-it-Yourselfers Make - Home improvement projects often require more time and money t han you expect. Four experts share the ten most common mistakes.

Will Rolling Down Windows Save Fuel or Not? - People can argue endlessly over whether rolling down the windows is more fuel efficient than having windows up and AC on. But here's the right answer.

Avoiding Foreclosure-Rescue Scams - The convergence of economic and political forces may soon bring about a home-equity version of the stock market crash of 1929.

How Much do you Know about Home Equity? - Take this quiz to see if you understand how home equity loans and lines of credit work.

7 Tips About Foreclosure from the National Consumer Law Center - Avoid slick sales talk and seek advice from your lender if you find yourself in a bind.

Beefing Up Your Home's Security - You can keep the bad guys at bay without having to rob a bank to pay for the cost of additional security.

What's Better: New or Existing Home? - Different strokes for different folks. Here's a review of the pros and cons of each.

Breaking the Paycheck-to-Paycheck Cycle - If your money runs out before the month does, this eight-step plan will help, says the Debt Adviser.

10 Biggest Mistakes Home Buyers Make - If you can avoid falling into these traps you're likely to get a much better deal.

Real Estate Gurus - If Only it Were that Easy - The road to riches sure isn't as easy as advertised.

How to Find a Place to Retire - There is no such thing as a perfect place to live in retirement, but there's a method to finding a good match for your needs.

When to Begin Drawing Social Security Benefits - The decision about whether to start at age 62 or wait depends on numerous factors, including your health, your financial situation and whether you want to keep working.

Should Women Save More for Retirement than Men? - Do the math. Women live longer, drop out of the workforce for years at a time and earn less money than men.

Mortgage Pre-Approvals Not Worth the Paper - Brokers complain the information isn't verified, and is often inaccurate.

Selling an SUV Expensed Under Section 179 - When you sell an SUV on which you took a full deduction, you realize a gain at the time of sale unless you enter into a like-kind exchange with a trade-in, says our tax adviser.

To Consolidate Mortgages or Not? - If you're not going to save on the interest rate, Dr. Don asks, why bother?

Hot Properties: High-Tech Condos - Before buying a new condominium, prospective buyers should check into their high-tech amenities to ensure a high resale value.

Retirement Tax Havens in the US - Moving to a tax-friendly locale could help you make the most of your retirement income.

It's "Buyer be Ware" on Sub Prime Loans - Just because they'll lend you money doesn't mean they're not trying to get all you have.

Propert Sale Straddles Two Tax Years - If you don't get property sales proceeds from a December sale until January, you can treat the transaction as an installment sale in 2006, says our tax adviser.

Mortgage Limit Soars to $417,000 - Reflecting a national increase in housing values, mortgage financiers sharply raised the dividing line between conforming and more-expensive jumbo mortgages.

What Home Buyers Really Want - A quality lifestyle ranks higher than square footage on the average home buyer's preference list, according to the National Association of Realtors.

You Should Be on the Deed - Dr. Don advises a woman whose husband wants the mortgage and deed on a house they are purchasing to be only in his name.

Fees and Rules Can Ruin Gift Cards - For many, gift cards are the perfect size and color. But watch out -- they often lose value or expire, Bankrate's exclusive survey reveals.

Study Reveals Closing Cost Differences - When you're getting a mortgage and you want to pay the lowest fees possible, Wyoming is the place to live, and you should stay away from New York, according to a Bankrate.com study of closing costs nationwide.

Planning Your Home With Universal Design - There is a wealth of resources full of good advice on planning free accessibility and convenience into your home.

Mortgage Mess Nixes Retirement Mess - You should get that second mortgage paid off as quickly as possible, says Dr. Don.

Rental Property Management - Yes or No? - It's a lot of work to do it yourself, but it's cheaper and you might get a better result.

Where to Find Sub Prime Lenders - You've been turned down for a mortgage by all the corner banks. Where do you go from here?

Even Rich Folks Have Bag-Lady Syndrome - Do you harbor a fear that your financial security could disappear in a heartbeat? It may not be irrational.

Five Ways to Improve Your Credit - So you've made mistakes. These steps will help you restore the luster to your credit rating.

How to Finance a Second Home - You have pretty much the same options as for your primary residence, says Dr. Don.

Real Estate Advisor: Rent or Buy? - This question usually turns on how long you plan to stay in the home and your stomach for risk, says Steve McLinden.

Have You Over Improved Your Home? - It's not a problem unless you spend so much on improvements that you can't get your money back.

Three Approaches to Paying Off Debt- You can go for maximum effect, for maximum satisfaction, or for the credit-score boost, says the Debt Adviser.

Smart Equity Moves as Rates Rise - With the prime rate at 7.25 percent, home equity loan and line of credit strategies are much different than a year ago, experts say.

Hidden Credit Score Guages Bankruptcy Risk - There's a number that might determine your available credit, but you aren't allowed to see it.

Confused About Home Sale Exclusion - Your closing agent must report the sale of your home to the IRS if the sale price is more than $250,000, but that doesn't mean you have to pay capital gains taxes, says George Saenz, CPA.

Basic Mortgage ande Loan Quiz - Think you have a grasp of what it takes to get a mortgage or other loan? Our quick five-question quiz will let you know.

Homes for Sale $1 - They're out there and they're for real. But there are often strings the size of tow ropes attached.

Paying Mortgage Points A Primer - How do you decide whether it makes sense to do so? Should you pay points on an adjustable mortgage in today's rate environment?

10 New Tax Laws You Need to Know - Check out these changes before you start your return. They could save you some money.

Paying Mortgage Points - How do you decide whether it makes sense to do so? Should you pay points on an adjustable mortgage in today's rate environment?

20 Signs of a Bad Loan - Even if you're desperate, avoid loans that offer these kinds of deals.

Five Tips for Selling in a Shifting Market - The advantage in home sales is moving from seller to buyer. If you're selling, her's how to close the deal when others can't.

Home Warranties - Good for Nothing? - It all depends on the fine print and who's standing behind it.

The Art of the Low Ball Offer - As housing sales slow, home buyers are in a better position to offer substantially less than the seller's asking.

Home Warranties: Good, or Good for Nothing? - It all depends on the fine print and who's standing behind it.

Save Cash and Eat Well - Buy into a Farm - Buying a share in cooperative farm can mean big savings. And there's one near you!

13 Basic Tax Lessons - Knowledge is power that can help you strategize and ultimately cut your tax bill.

Ready to Work on Your Taxes? - Tap our 2006 tax guide for ways to reduce your tax bill, and for links to all the forms you'll need to file.

Ballooning Equity Doesn't Mean You're Rich - Many homeowners may feel they've gotten rich from skyrocketing appreciation, but where and how can they spend the money?

On the Bubble? Heed these Do's and Dont's - If you really think you may get hurt in a real estate bubble burst, following this advice could minimize the damage.

Want Lower Rent? Think Like a Landlord - Study the market so you'll know how strong your negotiating position is.

5 Stupid Tax Tricks - Owe the IRS? Then take these steps to make a bad situation worse, says the Debt Adviser.

Purchases Could Provide a Tax Advantage - Did you buy a lot of stuff last year? Your sales taxes now might help reduce your income tax bill.

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Important Resources Just for You!
This web site offers hundreds of links to resources that many of clients have said were helpful, fun and informative. There are tips on virtually everything from credit scores to loans to weather to just about anything. If you have a favorite link you would like us to add, email me at Bryan@YoungRealtyGroup.com.

What you need to know about YOUR Credit Score

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Whether you are a first time buyer or an experienced investor, you will find useful information about how to choose the "right" property, making an offer, negotiating, financing, mortgage rates, moving, and everything involved in making an informed real estate decision in today´s market.

Metro St. Louis has always been "America's Biggest Small Town!" We have been blessed with all of the amenities of a large metropolitan area without losing the charm and character of each our hundreds of communities and neighborhoods. Please feel free to use this site to explore the many communities of St. Louis County, St. Charles County and Jefferson County, such as Webster Groves, Kirkwood, Clayton, University City, Chesterfield and Brentwood to name a few. Check-out St. Louis City Neighborhoods like Dogtown, the Hill, St. Louis Hills.

This comprehensive online tool offers direct access to the latest properties for sale in your area. Featuring extensive community information, consumer links, school information, free reports, answers to commonly asked real estate questions, and more, you´ll find everything about real estate within one easy source.

If you currently own property and are thinking of placing it on the market, this site contains information about preparing your home for sale, selecting the right agent, pricing your home appropriately, marketing it effectively, going through the inspection processes, and receiving a timely market evaluation.

Thanks for visiting my online real estate source. Please bookmark this site for future reference, and ENJOY!

Young Realty Group

Licensed in Missouri and Illinois                                                                             
with agents and offices serving St. Louis City, St. Louis County, St. Charles County, Jefferson County & Metro East

Mailing Address:
P.O. Box 190576
Webster Groves, MO 63119

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St. Louis, MO 63109                        

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PHYSICAL: 3646 Watson, St. Louis, MO 63109
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