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

A mortgage preapproval is an essential part of the homebuying process. Getting a mortgage preapproval involves submitting a mortgage application and a thorough vetting of your credit, income, and finances. Getting preapproved before you begin hou... read more

How Does Refinancing Work?

How does refinancing work? The process of refinancing a mortgage involves replacing your current mortgage with a new one – often with more favorable terms. Going through the refinancing process might lower the interest rate on your loan, reduce yo... read more

What Is Debt-to-Income Ratio?

Your debt-to-income (DTI) ratio represents how much of your income goes toward debt repayment. During the mortgage approval process, lenders look at your DTI ratio to ensure you can afford the loan. Your mortgage debt-to-income ratio also helps de... 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

Borrowers who meet mortgage refinance requirements have the opportunity to switch to a better home loan. If interest rates have dropped or your home value has increased, refinancing can result in a lower interest rate, reduced monthly payment, or a ... read more

A no-closing-cost refinance eliminates out-of-pocket closing costs when refinancing. It can be an effective way to refinance your home without paying thousands of dollars in cash for closing costs. But a no-closing-cost refinance isn’t free. You’... read more

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