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

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

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

The Benefits of Owning a Home

The benefits of owning a home are numerous. Homeownership not only provides tax and financial advantages, but there are also personal benefits of being a homeowner. However, owning your slice of the American dream also has risks. Before you begin sho... read more

First-time homebuyer programs help consumers overcome the hurdles of buying a first home. Available assistance includes first-time homebuyer grants, down payment assistance programs, first-time homebuyer tax credits, and loans for first-time homebuye... read more

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