Headshot of Alaya Linton

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

Minority Entrepreneurs Are Succeeding the Most in San Francisco and the Least in Cleveland

Nearly 20% of U.S. employer businesses in 2020 were minority-owned, according to Census Bureau estimates. In addition, the past decade has seen increases in minority-owned... read more

Good Debt vs. Bad Debt: What’s the Difference?

The topic of debt can be as polarizing as politics. Some people think debt should be avoided at all costs, while others believe in using... read more

VA Appraisal: Requirements, Fees and Timeline

If you’re applying for a VA loan, you’ll need to get a VA appraisal. This procedure ensures the home is a worthy investment and is... read more

High Prices and Bidding Wars: Despite Housing Market Headwinds, 80% of Homebuyers in Past 2 Years Don’t Regret Buying

Homebuyers in the past two years have faced a unique set of challenges compared to pre-pandemic times. With inventory at record lows and demand at... 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

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