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From credit to pre-approval, our homebuyer consultation prepares you for every step of the buying process.

Our Listings

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Welcome to this 3-bedroom, 2-bath ranch in Webster Groves, MO, featuring vinyl flooring, some carpet, an enclosed sunporch, and a finished lower level with full bath, two additional rooms, and ample storage. Enjoy a spacious backyard perfect for everyday living. HUD Home. Sold AS-IS. Seller makes no representations or warranties. Case #292-548687. Equal Housing Opportunity. Managed by OlympusAMS under an Exclusive Agency. Visit www.HudHomeStore.com or www.olympusams-at.com to bid. Active NAID# required. Buyer to verify all information. Please bring a flashlight when viewing.

This beautifully rehabbed 5-bedroom home offers a flexible layout designed for comfortable living. Completely rehabbed from top to bottom, the home features all-new systems, a new roof, dual heating and cooling, a bright living and dining area, a spacious eat-in kitchen with white cabinetry, and a first-floor master suite with a luxury bath. The upper level includes 3 oversized bedrooms with a full bath and powder room, while the finished basement provides additional space for a family room, office, guest area, or storage.

2410 Netherwood Dr St. Louis MO 63136. This 3-bedroom, 2-bath home offers great potential with spacious rooms, a functional layout, beautiful hardwood floors, and a partially finished basement that provides additional living space and storage. Well maintained with a solid foundation, the property is ready for your finishing touches and modern updates. This HUD home is sold As-Is and managed by Olympusams; to place a bid visit www.hudhudstore.com or www.olympusams-at.com, enter case #292-506717, and note that an active NAID number is required to submit a bid.

THIS PROPERTY IS CHEAPER THAN RENT!! —This all-brick gem is full of charm and opportunity, featuring 2 bedrooms, 1 bath, beautiful wood flooring, a cozy kitchen, and a full basement perfect for added space or storage, a spacious backyard with room to play, all conveniently located just minutes from downtown.

This beautifully maintained ranch-style home features a bright living room, a spacious eat-in kitchen, 3 bedrooms, and 2 full baths designed for comfortable everyday living. A large family room opens to the patio, creating the perfect space for relaxing or entertaining. Located in a neighborhood of well-maintained homes that reflect pride of ownership—schedule your appointment today; this beauty won’t last long!

I Am Rubbie Groves-Clay?

As a native St. Louisan and Broker-Owner of Clay Realty Group LC, I bring more than 35 years of experience in real estate and property management to the industry. Over the years, I have helped thousands of buyers and sellers successfully purchase and sell their homes, guiding them through the complexities of the real estate market while emphasizing the financial foundations necessary for sustainable homeownership. In addition to real estate, I am a Licensed Insurance Broker (Life, Health, Property & Casualty) and the author of Get A Hold Of Your Darn Finances, a financial literacy book designed to help adults and youth better understand money, credit, and financial decision-making.

Throughout my career, I discovered that many people who wanted to purchase homes were not held back by income, but by credit challenges, poor money management habits, and a lack of financial education. Seeing this pattern firsthand inspired me to combine my real estate expertise with financial literacy education so I could better equip individuals and families with the knowledge and tools needed to achieve long-term financial stability and successful homeownership.

In addition to helping traditional buyers and sellers, I have also served as a HUD Listing Agent for more than 10 years, gaining specialized knowledge in marketing and selling HUD homes and navigating government-related real estate transactions. Today, my mission is to help people not only buy and sell homes but also build stronger financial futures by understanding how money, credit, and homeownership work together.

What Others Are Saying

"Loved everything so far"

I attended the budget webinar and learned so much about managing my money; it brought clarity to my finances and put me on track.
— Mary R.

"My life changed forever"

Her insights helped me navigate the housing market, and her mortgage pre-approval guidance was invaluable. Highly recommend!

— Brandon K.

"Highly recommend this"

Rubbie’s webinar made the homebuying process simple to follow. I followed her steps—and now I’m officially a homeowner!

- Kimberly S.

Freqently Asked Questions

Question 1: What is the first step in buying a home?

The first step in the homebuying process is getting pre-approved for a mortgage. This allows you to clearly understand your buying power and lets sellers know that you are a serious and qualified buyer.

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Question 2: How much should I save for a down payment?

Down payments typically range from 3% to 20% of the home’s purchase price. Saving more upfront can strengthen your loan application and may help you qualify for better loan terms and lower monthly payments.

Question 3: What’s the difference between pre-approval and pre-qualification?

Pre-qualification is simply an estimate based on the financial information you provide. Pre-approval, however, is a more detailed process in which the lender verifies your credit, income, and financial history to determine how much you can truly borrow.

Question 4: How long does the home buying process take?

On average, the homebuying process takes about 30 to 45 days from contract to closing. However, the timeline can vary depending on factors such as loan approval, inspections, appraisals, and the overall closing process.