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Sandy Howard

Licensed in IA & IL

Clinton Office

301 North Second Street
Clinton, IA 52732

Your Advocate from Financing to Moving Day

Before transitioning into real estate with Ruhl&Ruhl, I spent 23 years working as a mortgage officer. That background gives my clients a massive competitive advantage. For me, "home" is so much more than just a place to park your keys. It is a sanctuary where you feel safe, secure, and ready to unwind at the end of the day. Having raised three wonderful children, who have blessed us with nine grandchildren, I know exactly how much love, juggling, and heart goes into making a house a home. I look at every property through the lens of the generations and stories that will grow inside its walls.

Tailored Support for Every Stage of Life

Because of my unique background and family-first perspective, I specialize in serving clients navigating major life transitions:

  • First-Time Home Buyers: I love providing the extra guidance and educational support you need, seamlessly navigating you through the complexities of the loan process so you can secure the home of your dreams.
  • Growing Families: I take the stress out of transitioning to a larger home, ensuring your next space perfectly aligns with your evolving lifestyle.
  • Seniors: I bring deep compassion, organization, and a genuine understanding to those entering a new season of life and transitioning into their next perfect space.

Deep Roots & Local Heart

I am deeply invested in the Clinton geographic area and the close-knit communities anchoring both the Iowa and Illinois sides of the river. I fell in love with our stunning river views, beautiful parks, and the unmatched comfort of small-town living. Because I believe in giving back to the places that give us so much, I actively volunteer with my church and the Community Emergency Response Team (C.E.R.T.).

Relationships Over Transactions

I chose to partner with Ruhl&Ruhl because my business is built on the same foundational family values and trusted reputation that the company has carried for generations. When you work with me, you get a partner who is genuine, kind, reliable, and deeply accountable to your goals. I thrive on building true relationships and keeping your journey completely stress-free by keeping you informed every step of the way. My ultimate definition of success isn't closing a deal. It’s when a client reaches out months or years later to tell me about the beautiful memories they are making in the perfect home we found together.

When I am not helping clients, you can usually find me spending quality time with my expanding family, relaxing while camping, traveling, tending to my garden, or working on my latest craft project.

Awards & Specialties

  • Excellence in Service Award
  • Platinum Club Sales Achievement 2021
  • Community Involvement Award 2020
  • Gold Club Sales Achievement 2020
  • Community Involvement Award 2019
  • Gold Club Sales Achievement 2019
  • Ruhl Mortgage Top Performer Clinton 2018
  • New Associate of the Year Clinton 2017
  • Assist with 1st Time Homebuyers
  • Lots, Land or Farmettes

What My Clients Say About MeTestimonials

Joshua Neymeyer

Sandy is a very detail oriented agent with clearly an extensive amount of experience. She points out details in homes that aren't typically noticed at first and can directly point towards resources that will help with anything that isn't in her wheelhouse. She's a strong advocate for her clients and is top notch among her piers. I will definitely be recommending her for anyone that asks for an agent recommendation.

Kurt Rath & Paula Thoele

We enjoyed working with Sandy. She was encouraging and positive. Her advice was fantastic. It was always easy to reach her with questions and she kept us informed at all times!

Carl Sweetman

Dwaine Boehde

Guy & Carla DuMont

Clarence Wenzel

Sandy Howard is a great person. She has personality and is easy to interact with. I have seen over time that she is very energetic and always on the go! I would choose her again!

Keith Decker

I've fixing up place and it's looking better

Allison Gandrup & Tyler Finnegan

Sandy is incredible at her job. She is knowledgeable and straightforward when asked questions. She was able to flawlessly help us through finding a home that was the right fit for us. I would recommend her services to any family member or friend!

Rachel McClimon

Sandy did an amazing job working with us! She was extremely accommodating and always responded to any questions we had whether by phone, email, or in person! Sandy also had a fantastic personality as well!

Daniel & Lucy Knapp

Over the years I have had some real good associates. However, Sandy Howard takes the cake on this one. Sandy is one in a million!

Allison Gandrup

When I was looking to buy a house a couple of years ago, I came across Sandy Howard through mutual family friends. I was then a first-time home buyer and most recently a seller. Sandy effortlessly walked me through both sides of the process. I was completely satisfied with the experience, and would use her again if I were to move back to the area.

Danny & Linda Millard

Sandy was beyond helpful. She went out of her way to help us when we were hundreds of miles away!!

Ronald & Rebecca Othoff

Sandy Howard is the best Realtor we have ever dealt with

Bradley & Krista Scott

Sandy went above and beyond for us which meant a lot since we were moving from 4 hours away. She lined up several houses to view each time we were in town; sometimes with little notice. She was honest and ethical. Cannot praise her enough - you have a real gem with Sandy!

Michael Mull

THIS IS MY 2ND PROPERTY IN ONE YEAR

Michael Mull

THIS IS MY 2ND PROPERTY IN ONE YEAR

Jeff Reid

Top notch agent, really pleasant to work with and helped us through selling our father's home in what was a difficult time for us. I will call her in the future when I plan to downsize. Jeff Reid

Jeff Reid

Top notch agent, really pleasant to work with and helped us through selling our father's home in what was a difficult time for us. I will call her in the future when I plan to downsize. Jeff Reid

Danny Hantelman

Sandy went above and beyond. She knew what we were looking for and emailed me listings to check out knowing it had things I had in my "must have" list. Will defiantly use her and recommend her in all future endeavors.

Danny Hantelman

Sandy went above and beyond. She knew what we were looking for and emailed me listings to check out knowing it had things I had in my "must have" list. Will defiantly use her and recommend her in all future endeavors.

Alexander & Tessa Telford

Sandy was amazing, she not only went above and beyond for us but she also made sure we understood everything that was going on. The sale did not go as great as we would have liked due to the buyers - their Realtor and the bank, but Sandy took care of everything like a pro- including things that she did not have to do! I will ALWAYS recommend Sandy to anyone that is in need for selling or buying.

Alexander & Tessa Telford

Sandy was amazing, she not only went above and beyond for us but she also made sure we understood everything that was going on. The sale did not go as great as we would have liked due to the buyers - their Realtor and the bank, but Sandy took care of everything like a pro- including things that she did not have to do! I will ALWAYS recommend Sandy to anyone that is in need for selling or buying.

Sandy Howard's Listings

Sandy Howard's Sold Listings

For Sale Sold

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