Alaya Linton

Alaya Linton is a personal financial coach, speaker, and freelance writer. Alaya’s blog, Hope+Cents, provides encouragement, guidance, and hope to women looking to break the paycheck-to-paycheck cycle, take control of their money, and create and live a better financial future. Alaya’s writing and personal story have been featured in multiple publications, including U.S. News & World Report, LendingTree, The Balance, Sisters from AARP, GOBankingRates, and AOL Finance.

Articles by Alaya Linton

The deductible for homeowners insurance is the portion you pay towards a covered loss. When you file a homeowners insurance claim, the insurer determines the cost of the loss and subtracts your deductible from the claim payment.  The amount of your... read more

An FHA streamline refinance gives borrowers a way to refinance their mortgage with minimal paperwork and qualifications. Because of the limited requirements for FHA refinances, the processing time is shorter compared to traditional refinance loans. ... read more

Borrowers wondering how to get rid of PMI, or private mortgage insurance, may be surprised to learn there are multiple ways to cancel it. PMI is usually required when a buyer puts down less than 20% on a home.  While this unique type of insurance h... read more

Conventional mortgages are home loans that are not part of a government program. Conventional loans are usually less expensive than government-backed mortgages, however, they may be harder to qualify for. A fixed-rate conventional loan is one of the... read more

Is it better to rent or buy? This is a common question among consumers considering homeownership. To answer it, you’ll need to look at your current financial situation, long-term plans, and personal goals. Homeownership isn’t for everyone, and t... read more

How much should you put down on a house? The answer depends on your monthly budget, available savings, and overall financial situation. You’ll also need to meet the minimum mortgage down payment requirement for the loan you’re applying for. Sav... read more

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