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

Buying a fixer-upper is an appealing path to homeownership for many buyers. It can be an affordable way to purchase a property, and buyers can tailor the home to their preferences. However, buying a home that needs TLC requires a lot of time, effort... read more

When applying for a home loan, your lender may request mortgage bank statements. This refers to your personal bank account statements, which can help a lender determine your ability to repay your home loan. You’ll need to access bank statements fr... read more

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

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