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

How to Finance Your Eco Home Improvements

Eco home improvements are currently trending among homeowners — and for good reason. The average household spends close to $2,000 per year on home energy... read more

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

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

How to Buy a Manufactured Home

Buying a manufactured home is sometimes more complex than purchasing a regular home. A manufactured home is built in a factory and moved in sections... read more

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