Cash Buyer Onboarding

Please Enter Your Information & Upload Your Documents

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.

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.

204 chars • 35 words

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.

What Others Are Saying

First-Time Buyer Success

Rubbie made my first home purchase so easy! She explained everything, kept me calm, and helped me find the perfect house within my budget.
— Sophia M.

Credit Struggles to Keys

“I thought my credit would hold me back, but Rubbie guided me step-by-step. In just months, I became a proud homeowner!”

— Brandon K.

It Takes Teamwork

Rubbie and her lenderwere amazing! They guided me from pre-approval to closing with ease. I never thought buying a home could feel this smooth!”

- Kimberly S.