Alaya Linton

Linton is a freelance writer, speaker, financial coach, and creator of the award-winning blog, hopeandcents.com. Her own journey of overcoming financial struggles gave her a passion for teaching and encouraging others to take control of their money. Alaya’s writing and personal story have been featured in multiple publications including U.S. News & World Report, LendingTree, The Balance, and AOL Finance.

Articles by Alaya Linton

Mortgage Rates in New York — Plus Stats, First-Time Homebuyer Programs and Mortgage Refinancing

New York’s average mortgage interest rate is the highest in the country at 3.93% — 16.7% higher than the U.S. average of 3.37%. In addition... read more

VA Loan Requirements in 2021

VA loans are mortgages backed by the U.S. Department of Veterans Affairs (VA). Because VA loan requirements are more lenient than other types of mortgages,... read more

FHA Appraisal Guidelines for 2021

Mortgages insured by the Federal Housing Administration (FHA) must meet strict FHA appraisal guidelines. An FHA appraisal, like other home appraisals, is done by a... read more

What Is a 40-year Mortgage?

A 40-year mortgage is a home loan with a more extended payment term than a standard 15- or 30-year mortgage. If a homeowner remains in... read more

Fair Credit Reporting Act: Understand Your Rights

The Fair Credit Reporting Act (FCRA) is a federal law put into place in 1970 and amended extensively in 1996, 2003 and 2018. It outlines... read more

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