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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

Navigating Student Credit Cards: What to Ask and Look For

Applying for a student credit card can seem daunting, especially when balancing academic responsibilities. However, by asking five key quest...

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Navigating Tax Relief: Your Options for Managing Tax Debt

If you’re struggling with tax debt or facing an unexpected tax bill, several relief options are available to help manage your situation. The...

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Optimizing DTI for Better Loan Terms

Understanding your debt-to-income ratio (DTI) is a crucial aspect of qualifying for a home loan. This financial metric evaluates the percent...

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Pennsylvania’s Path to Homeownership: A Deep Dive into PHFA Assistance

The Pennsylvania Housing Finance Agency (PHFA) offers a variety of programs aimed at helping first-time home buyers, veterans, and those wit...

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Preapproval vs. Pre-qualification: What You Need to Know

Getting preapproved for a mortgage is an essential step in the homebuying process. It provides you with a clear understanding of how much yo...

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Real Estate Commissions, Taxes, and Fees: What Sellers Need to Know

When selling a home, it's easy to get excited about the potential profits. However, sellers often face various closing costs, which can rang...

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Recognizing Debt Collection Scams: Key Steps to Stay Safe

If you're receiving threatening phone calls about a debt, whether it’s real or not, you might be the target of a debt collection scam. Under...

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Refinancing Your Mortgage: When and Why It Makes Sense

Did you buy a home in 2023? Refinancing might save you money, especially now that mortgage rates have dropped compared to last year’s peak....

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Reimbursing Medical Expenses with HSAs and FSAs: A Guide

Staying healthy can be expensive, with medical debt being a leading cause of bankruptcy in the U.S. Many people turn to credit cards to cove...

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