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

2022 Alabama First-Time Homebuyer Programs

First-time homebuyer programs in Alabama help residents make their dreams of homeownership a reality. Assistance varies among the programs and includes low-interest loans, down payment... read more

How Much Equity Do You Need for a Reverse Mortgage?

To qualify for a reverse mortgage, borrowers must own their home outright or have significant equity. Exactly how much equity do you need for a... read more

Can You Refinance a Reverse Mortgage and Is It a Smart Move?

Yes, you can refinance a reverse mortgage to change the existing loan terms or move to a different type of mortgage. The process is similar... read more

Balloon Mortgage: What It Is and How It Works

Balloon mortgages are home loans with a large, one-time payment due at the end of the mortgage term. The final payment repays the loan in... read more

What is a Mortgage Funder?

A mortgage funder is responsible for fine-tuning the final details of your loan. They ensure all closing documents are in order and the mortgage funds... read more

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