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Browse every guide and explainer in the PERQS Learning Center.

2,898 articles

Understanding the Earned Income Tax Credit and Its Benefits

The Earned Income Tax Credit (EITC) is a valuable tax benefit for low- and moderate-income workers, offering potential refunds and tax reduc...

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Understanding Travel Insurance: A Guide for Travelers

Booking a flight often includes the option to add travel insurance, leaving travelers wondering whether it's worth it and what exactly is co...

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Unlocking Homeownership: WVHDF Programs for West Virginia Residents

West Virginia offers an array of first-time home buyer programs through the West Virginia Housing Development Fund (WVHDF) and federally bac...

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Unlocking Your Home’s Equity: HELOC Explained

A home equity line of credit (HELOC) is a versatile second mortgage that allows homeowners to borrow against their home equity without refin...

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USDA Loans Explained: Affordable Home Buying for All

USDA loans provide a home-buying opportunity for low- and moderate-income buyers, offering no down payment requirements and favorable intere...

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Utah’s Top Options for First-Time Homebuyers

Utah offers various first-time homebuyer programs through the Utah Housing Corporation to help residents achieve homeownership. These progra...

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When and Why to Lock Your Mortgage Rate

A mortgage rate lock can be a vital tool for homebuyers looking to secure a stable interest rate amid fluctuating mortgage rates. This proce...

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Your Guide to Bankruptcy Counseling: What to Expect and How to Prepare

Declaring Chapter 7 or Chapter 13 bankruptcy is a significant decision that can provide a path to debt relief when other options fail. Howev...

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Your Guide to First-Time Home Buyer Benefits and Programs

Qualifying as a first-time home buyer can unlock various financial benefits and assistance programs, even if you've previously owned a home....

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