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HUD BUNDLED Exam 2023 with 100% correct answers $40.49   Add to cart

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HUD BUNDLED Exam 2023 with 100% correct answers

HUD Practice Exam 2023 with 100% correct answers HUD Housing Counselor Certification Practice exam 20223 with 100% correct answers

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HUD HC Module 3 - Fair Housing exam 2023 with 100% correct answers

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Which describes the legally enforceable terms that govern the use of real estate? - Residential security restrictions - Deed restrictions - Redlined Maps - Government-sponsored deeds - correct answerDeed Restrictions Which is the practice of refusing to make residential loans or imposing m...

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HUD Housing Counseling Exam 2023 with 100% correct answers

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Back-end ratio - correct answerThe back-end ratio (or debt-to-income ratio) compares total debt to gross monthly income. The client's only debt is a $435 lease payment, so the $950 mortgage payment brings his total monthly debt to $1,385. He earns $50,000 per year, which equals $4,166.67 per month....

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HUD Housing Counseling Exam 2023 with 100% correct answers

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Rental Obstacle + Solutions: Low Income - correct answer-Some Renters reject people whose Rent would be more than 30% of GMI -Solutions -Apply for Housing Assistance -Expand housing search areas -Get a roommate -Move in w/family or friends Strategies for decreasing expenses and debt - corre...

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HUD Housing Counseling Exam 2023 with 100% correct answers

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Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) - correct answerCivil Rights Act of 1866 banned discrimination in the rental or sale of housing (Race, color, religion, national origin) - correct answerFair Housing Act of 1968 added gender (sex) ...

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HUD Housing Counseling exam 2023 with 100% correct answers

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Which document should the counselor review with the client to identify spending habits and track expenses? A. Credit report B. Pay stubs C. Bank Statement D. Tax returns - correct answerBank Statement Which additional information would the housing counselor need to prepare a household budge...

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HUD Housing Counselor correct answers

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Front end ratio (parts) - correct answerMonthly Housing Expense / Gross Income Back End Ratio (parts) - correct answerMonthly housing+debt (on credit report - car loan, credit cards & etc) / Gross Income Renter Ratio - correct answer30% / 36% Conventional Ratio - correct answer28% / 36% ...

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HUD Housing Counselor Certification Practice exam 20223 with 100% correct answers

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What is the maximum percent of area median income allowable for a household to qualify for a Housing Choice Voucher? - correct answer50% Which is the maximum recommended housing ratio for renting an apartment? - correct answer30% Eligibility requirements for down-payment assistance programs in...

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HUD Housing Counselor Exam 2023 with 100% correct answers

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What act are limited english proficiency persons protected under? - correct answertitle VI of the civil rights act of 1964 Which act was passed in 1866? - correct answerthe civil rights act of 1866 What did the civil rights act of 1866 bill declare? - correct answer"all persons born in the Un...

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HUD Housing Counselor Exam Prep 2023 with 100% correct answers

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Default - correct answerWhen no payments made after 60 to 90 days... 30 for FHA loans Front-End Ratio Equation - correct answerMonthly housing expenses/gross monthly income Front-End Ratio maximums - correct answer28% or less - conventional loan 31% or less for FHA, 30% or less for rentals ...

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HUD Housing Counselor Exam 2023 with 100% correct answers

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Adjustable Rate Mortgage (ARM) - correct answerAdjustable rate mortgages have an initial rate that applies for a defined period of time (typically from one month to 10 years), then adjusts at pre-determined intervals for the life of the loan. Interest rates can increase or decrease when adjusted. ...

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HUD Housing Counselor exam 2023 with 100% correct answers

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A potential homebuyer with a minimal savings for a down payment and a low credit score is most likely to qualify for which mortgage? - United States Department of Agriculture (USDA) - Federal Housing Administration (FHA) - Fannie Mae - Freddie Mac - correct answerFederal Housing Administration...

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HUD housing counselors training Module 1-2 exam 2023 with 100% correct answers

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the purpose of tracking your money - correct answerto help you achieve your financial goals documents to use when tracking income - correct answer- paychecks - direct deposit slips - if self-employed, income and expenses sheet - if self-employed, profit and loss statements - additional income...

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HUD Housing Exam 2023 with 100% correct answers

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Which document should the counselor review with the client to identify spending habits and track expenses: - correct answerBank statement Which additional information would the housing counselor need to prepare a household budget for this client? - correct answerNet income Which item in the cl...

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HUD Practice Exam 2023 with 100% correct answers

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Which document is most important when working with a client to develop an initial budget as part of a Client Action Plan? - correct answerList of Assets Retirement plan statement Pay stub X Current lease A client would like purchase a home within one year. The client is motivated to increase h...

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