Sandy Howard

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.