Missouri Home Solicitation Credit Home Improvement Contract

Missouri Home Solicitation Credit Home Improvement Contract

Before signing: Use only for a household home-improvement service sale on Seller credit, personally solicited by Seller at Buyer's Missouri residence and signed there. Confirm it is a consumer credit sale, the total price is at least $25, there were no prior negotiations at Seller's fixed business location, no preexisting revolving account applies, and neither a state emergency nor federal exception removes the right to cancel. Give Buyer a complete signed copy with this agreement's Missouri notice and two completed federal cancellation forms at signing. Print the Missouri notice and the federal statement and forms in bold type of at least 10 points. Use the language used in the sales presentation and explain cancellation orally.

Transaction and signing date: [DAY, MONTH, DATE, YEAR]. Place of solicitation and signing: Buyer's residence, [STREET, CITY, MISSOURI ZIP].

Buyer legal name: [NAME]. Seller/contractor legal name: [NAME].

Seller's permanent business and cancellation address: [STREET, CITY, STATE ZIP].

Seller representative: [NAME; TITLE]. Seller phone: [NUMBER].

Coverage checked: ☐ Household consumer credit sale ☐ Personal solicitation and agreement at Buyer's residence ☐ Federal covered door-to-door sale ☐ No state or federal exception.

1. Work and materials

Seller will perform the home-improvement work described in Exhibit A at [WORK SITE]. Exhibit A specifies each task, work area, material, quantity, grade, allowance, and exclusion. Seller will perform the work in a workmanlike manner and obtain the permits assigned below.

Permits and inspections: Seller obtains [LIST] at its expense of $[AMOUNT]; Buyer obtains [LIST / NONE] at Buyer's expense of $[AMOUNT / 0]. Trade license or registration, if applicable: [NAME; NUMBER; AUTHORITY / NONE].

Changes require a written change order signed by both parties before the changed work starts, specifying the new scope, price, and schedule effect.

2. Schedule and access

Start date: [DATE]. Estimated completion: [DATE]. Work hours: [DAYS AND HOURS]. Buyer will give reasonable access and make selections identified in Exhibit A by the listed dates. Seller will promptly describe a material delay in writing; a changed agreed completion date requires a signed change order.

3. Price and credit

Cash price, including labor, materials, tax, and charges: $[AMOUNT]. Down payment: $[AMOUNT]. Amount financed: $[AMOUNT]. Finance charge: $[AMOUNT]. Annual percentage rate: [RATE]%. Total of payments: $[AMOUNT]. Total sale price: $[AMOUNT].

Number and frequency of installments: [DETAILS]. Creditor: [SELLER / NAME AND ADDRESS]. Consensual security, if any: [DESCRIBE / NONE]. This agreement grants no consensual lien on the residence; a statutory mechanic's lien may nevertheless arise from the work. Seller will provide any legally required credit disclosures and separate security agreement. No added charge is due without a signed change order.

Missouri mechanic's-lien notice to owner — give before receiving any payment; print the following in at least 10-point bold type:

NOTICE TO OWNER

FAILURE OF THIS CONTRACTOR TO PAY THOSE PERSONS SUPPLYING MATERIAL OR SERVICES TO COMPLETE THIS CONTRACT CAN RESULT IN THE FILING OF A MECHANIC'S LIEN ON THE PROPERTY WHICH IS THE SUBJECT OF THIS CONTRACT PURSUANT TO CHAPTER 429, RSMO.  TO AVOID THIS RESULT YOU MAY ASK THIS CONTRACTOR FOR "LIEN WAIVERS" FROM ALL PERSONS SUPPLYING MATERIAL OR SERVICES FOR THE WORK DESCRIBED IN THIS CONTRACT.  FAILURE TO SECURE LIEN WAIVERS MAY RESULT IN YOUR PAYING FOR LABOR AND MATERIAL TWICE.

4. Completion and ordinary termination

At completion, the parties will inspect the work and list incomplete or defective items with correction dates. Additional workmanship warranty, if offered: [TERM AND REMEDY / NONE BEYOND APPLICABLE LAW]. Product warranties apply according to their terms.

For an ordinary material breach, the nonbreaching party may give written notice identifying it and allow [NUMBER] days to cure if possible. If uncured, that party may end the remaining work by written notice and seek lawful relief. The parties will account for conforming work, approved materials, payments, and lawful offsets. This ordinary termination clause does not limit statutory or agreed cancellation.

Ordinary notice addresses: Buyer at [ADDRESS]; Seller at the business address above. Missouri law governs. A court with jurisdiction in [COUNTY] County, Missouri may hear a dispute, subject to consumer protections.

5. Cancellation and signatures

Buyer may cancel a covered Missouri home solicitation sale through midnight of the third Missouri business day after signing. Missouri excludes Saturdays, Sundays, and legal holidays. The federal rule excludes Sundays and federal holidays. This agreement grants cancellation through the later of the Missouri and federal deadlines; enter that later date on both attached federal forms. Written notice mailed to Seller's address above is effective when properly addressed, stamped, and deposited. Other written expression of intent not to be bound is sufficient under Missouri law. On cancellation, Seller must tender payments and debt instruments within ten days under Missouri law; Seller receives no compensation for services performed before cancellation.

Missouri third-business-day deadline: [DAY, MONTH, DATE, YEAR] at midnight. Federal third-business-day deadline: [DAY, MONTH, DATE, YEAR] at midnight. Later deadline entered on both federal forms: [DAY, MONTH, DATE, YEAR] at midnight.

Missouri buyer notice — print in at least 10-point boldface type:

NOTICE OF CANCELLATION

Date of transaction: [DAY, MONTH, DATE, YEAR]

If this agreement was solicited at your residence and you do not want the goods or services, you may cancel, without further obligation, this agreement by mailing a notice to the seller at the address as shown below, within 3 business days following the above date. You shall return the goods to seller in substantially the same condition as when you obtained them. Seller will then cancel all contracts and negotiable instruments executed by you and return any property given by you to seller within 10 days from date of transaction. If seller does not pick up the purchased goods within 20 days from date of your cancellation, you may retain or dispose of the goods without any further obligation. The notice must be mailed to: [SELLER LEGAL NAME AND BUSINESS MAILING ADDRESS]

Missouri cancellation clarification: The notice above uses the wording prescribed by § 407.710. Under §§ 407.715–.720, Seller must tender payments, canceled debt instruments, and traded goods within ten calendar days after cancellation. Buyer need only tender delivered goods on Seller's demand at Buyer's residence; if Seller does not demand them within a reasonable time, Buyer may keep them. Twenty days is presumed reasonable.

Federal statement immediately beside Buyer's signature:

You, the buyer, may cancel this transaction at any time prior to midnight of the third business day after the date of this transaction. See the attached notice of cancellation form for an explanation of this right.

Buyer signature: ____________________ Date and time: [__/__/____, __:__]

Seller or representative signature: ____________________ Date: [__/__/____]

Printed name and title: [NAME; TITLE]

Delivery record: Buyer received this completed signed contract, Exhibit A, and both completed federal cancellation forms at signing. Seller orally explained cancellation. Buyer initials: [____]. Seller initials: [____].

Exhibit A — work and materials

Work areas and tasks: [DESCRIBE]

Drawings incorporated by title and date: [DETAILS / NONE]. Excluded work: [DETAILS / NONE]. Buyer selections and due dates: [DETAILS / NONE].

Federal Notice of Cancellation — copy 1, detach and give to Buyer

Transaction date: [DATE OF TRANSACTION]

You may CANCEL this transaction, without any Penalty or Obligation, within THREE BUSINESS DAYS from the above date.

If you cancel, any property traded in, any payments made by you under the contract or sale, and any negotiable instrument executed by you will be returned within TEN BUSINESS DAYS following receipt by the seller of your cancellation notice, and any security interest arising out of the transaction will be cancelled.

If you cancel, you must make available to the seller at your residence, in substantially as good condition as when received, any goods delivered to you under this contract or sale, or you may, if you wish, comply with the instructions of the seller regarding the return shipment of the goods at the seller's expense and risk.

If you do make the goods available to the seller and the seller does not pick them up within 20 days of the date of your Notice of Cancellation, you may retain or dispose of the goods without any further obligation. If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of all obligations under the contract.

To cancel this transaction, mail or deliver a signed and dated copy of this Cancellation Notice or any other written notice, or send a telegram, to [SELLER LEGAL NAME], at [SELLER BUSINESS ADDRESS] NOT LATER THAN MIDNIGHT OF [LATER DEADLINE FROM SECTION 5].

I HEREBY CANCEL THIS TRANSACTION.

Date: [__/__/____] Buyer's signature: ____________________

Federal Notice of Cancellation — copy 2, detach and give to Buyer

Transaction date: [DATE OF TRANSACTION]

You may CANCEL this transaction, without any Penalty or Obligation, within THREE BUSINESS DAYS from the above date.

If you cancel, any property traded in, any payments made by you under the contract or sale, and any negotiable instrument executed by you will be returned within TEN BUSINESS DAYS following receipt by the seller of your cancellation notice, and any security interest arising out of the transaction will be cancelled.

If you cancel, you must make available to the seller at your residence, in substantially as good condition as when received, any goods delivered to you under this contract or sale, or you may, if you wish, comply with the instructions of the seller regarding the return shipment of the goods at the seller's expense and risk.

If you do make the goods available to the seller and the seller does not pick them up within 20 days of the date of your Notice of Cancellation, you may retain or dispose of the goods without any further obligation. If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of all obligations under the contract.

To cancel this transaction, mail or deliver a signed and dated copy of this Cancellation Notice or any other written notice, or send a telegram, to [SELLER LEGAL NAME], at [SELLER BUSINESS ADDRESS] NOT LATER THAN MIDNIGHT OF [LATER DEADLINE FROM SECTION 5].

I HEREBY CANCEL THIS TRANSACTION.

Date: [__/__/____] Buyer's signature: ____________________

Official sources

• Mo. Rev. Stat. § 407.710 (required buyer notice)
• Mo. Rev. Stat. § 407.715 (seller duties)
• Mo. Rev. Stat. § 407.720 (buyer duties)
• FTC Cooling-Off Rule, official 2026 CFR