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

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

Homebuyers in today’s real estate market are likely to face bidding wars. With more buyers out there than homes, most property listings receive multiple offers — and many of those offers are in cash or significantly above asking price.  Com... read more

If you’re looking for a way to fund a down payment, using 401(k) withdrawals for a home purchase is an option. Additionally, you could opt for a 401(k) loan for a home purchase. However, cashing out a 401(k) to buy a house comes with significant c... read more

Upfront underwriting is when a lender processes a mortgage before the borrower chooses a property. Because upfront underwriting takes place prior to the buyer making an offer on a home, it can give shoppers an advantage in a competitive market. Many... read more

Buying a second home is a dream for many homeowners. But the process of financing a vacation home is more complicated than purchasing a house for the first time. Read on to learn how to get a vacation home mortgage, including lender guidelines and s... read more

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