Sandy John

Sandy John is a freelance writer and editor who specializes in real estate, homeownership and personal finance articles. Previously, she was the real estate editor for The Atlanta-Journal Constitution. Sandy’s work has appeared on websites such as, and

Articles by Sandy John

Homebuyers shopping for a mortgage frequently ask what is a lender credit. When you take a lender credit, the mortgage company agrees to pay some or all of your closing costs. In return, you agree to pay a higher interest rate. You may want to consi... read more

After the Great Recession, the federal government created stricter underwriting rules to ensure mortgage borrowers have the ability to repay their home loan. However, non-qualified mortgages, also called non-QM loans, are an option for borrowers who... read more

When considering what kind of home you want to buy, it’s important to know the difference between a condo and townhouse. Many people use the term “condo” to refer to an apartment-style home and “townhouse” to refer to a multi-story attache... read more

If you’re interested in purchasing a home to rent out, it’s essential to understand that rental property loans have different requirements than mortgages for personal homes. ... read more

When you lock in your mortgage rate, you protect yourself if interest rates go up before you close on your new house. However, mortgage rates can move down, too. If you’ve already locked in your rate and interest rates fall, you may have to pa... read more

Home prices have risen rapidly in recent months, and many homeowners are weighing a cash-out refinance vs. a HELOC to tap into their growing equity. Both a cash-out refinance and a home equity line of credit (HELOC) allow you to take money out of yo... read more

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