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 use a co-borrower mortgage when they need more than one income to qualify for a mortgage. Co-borrowers can be a couple, but they don’t have to be. The co-borrower doesn’t even have to live in the house. Understanding how a co-borrower... read more

A VA cash-out refinance, guaranteed by the U.S. Department of Veterans Affairs, allows borrowers to tap into their home equity while refinancing a mortgage for a better rate or different loan term. Qualified borrowers can even convert a non-VA mortg... read more

One of the most significant issues first-time homebuyers face is how to save for a down payment on a house. Saving a substantial amount of money may be challenging when it seems like you need your entire paycheck to cover the basics like rent, food,... read more

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

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