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HUD Housing Counselor Bundled Exams 2023 with 100% correct answers

HUD Housing Counselor Exam 2023 with 100% correct answers HUD Exam- Homeownership with 100% correct answers

21 items

HUD Certification Exam 2023 with 100% correct answers

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Deed Restrictions Legally enforceable terms that govern the use of real estate Redlining The practice of refusing to make residential loans or imposing more onerous terms on any loans made because of the predominant race, color, national origin, religion, sex, disability, or familial status...

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HUD Exam Prep with complete solutions

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% Impact of Account Payment History on Credit Score 35% portion of credit score based on the payment history of accounts, including late payments, delinquencies, judgments, and liens % Impact of Amounts Owed on Accounts on Credit Score 30% portion of score based on the ratio of total cred...

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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? List 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 household in...

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HUD Housing Counselor Exam 2023 with 100% correct answers

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Adjustable Rate Mortgage (ARM) Adjustable 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. Adjusted G...

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HUD Practice Test and Correct Answers 100% correct 2023

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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? Pay Stub A client would like to purchase a home within one year. The client is motivated to increase household income as a way to save for a down payment and qualify for ...

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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: Bank statement Which additional information would the housing counselor need to prepare a household budget for this client? Net income Which item in the client's budget is a fi...

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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: Bank statement Which additional information would the housing counselor need to prepare a household budget for this client? Net income Which item in the client's budget is a fi...

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HUD EXAM PREP 2023 WITH 100% CORRECT ANSWERS

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Types of Credit Used Student loan or credit cards only FAKO scores purchase score which are educational score Fair Credit Reporting Act FCRA what is in file/dispute/remove 30 days/remove bad 7 yrs/bk 10 yrs/access limited/damages from violators/state rights Fair and Accurate ...

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HUD Exam - Tenancy with 100% correct answers

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Jake has a session with a new client, Ruth, later that day. She has received notice that her apartment complex, which offers her project-based housing assistance, will be sold to a new management company in six months. The new company will renovate the building and will no longer participate in the ...

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HUD Certification exam 2023 with 100% correct answ

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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? Pay stub Retirement plan statement List of assets Current lease Pay stub A client would like purchase a home within one year. The client is motivated to increase ho...

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HUD Housing Counseling Exam 2023 with 100% correct answers

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Civil Rights Act of 1866 Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) Fair Housing Act of 1968 banned discrimination in the rental or sale of housing (Race, color, religion, national origin) Housing and Community Development Act of ...

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HUD Housing Counselor Certification Practice with complete solutions

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What is the maximum percent of area median income allowable for a household to qualify for a Housing Choice Voucher? 50% Which is the maximum recommended housing ratio for renting an apartment? 30% Eligibility requirements for down-payment assistance programs include which factors? ...

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HUD Practice Exam with verified solutions

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What act came about after the assassination of MLK? The Civil Rights Act of 1968 A client does not receive a written monthly statement from the credit card company. Which credit law could this omission violate? Fair Credit Billing Act In which situation would a client's responsibili...

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HUD Exam - Housing Affordability with 100% correct answers

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All of the following are true statements about upfront costs associated with renting and buying, except; A. Renters generally pay a security deposit upon signing a lease. B. The average cost due upon signing a lease for a rental is typically between 20% of the monthly rent.. C. Closing costs are ...

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HUD Exam- Homeownership with 100% correct answers

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Which factor is best for housing counselors to use when determining how much a client can afford to spend on purchasing a home? A. Debt to-income ratios B. Annual gross income C. Savings D. Options A, B, C E. None of the above D. Options A, B, and C A person or company that makes loans ...

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HUD Test 2023 with 100% complete solutions

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Which document should the counselor review with the client to identify spending habits and track expenses? Bank Statement Which additional information would the housing counselor need to prepare a household budget for this client? Net income Which item in the client's budget is a fi...

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HUD Exam - Avoiding Foreclosure with 100% correct answers

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The following contributed to the increase in foreclosure rates, except: A. Subprime lending B. Risky loan products with feature like negative amortization C. Demand from the secondary market D. Homeowners paying off mortgages early E. Using teaser rates to qualify more borrowers. D. Homeowners...

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HUD Housing Counselor Exam- Module 3: Fair Housing with complete solutions 2023

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What act are limited english proficiency persons protected under? title VI of the civil rights act of 1964 Which act was passed in 1866? the civil rights act of 1866 What did the civil rights act of 1866 bill declare? "all persons born in the United States (except American Indians)...

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HUD Housing Counselor Module 2.1 & 2.2 exam 2023 with correct answers

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What is the purpose of the Veterans Affairs Supportive Housing (VASH) program? - To end veteran homelessness - To provide rental vouchers for most veterans - To offer veterans the same benefits as the Housing Choice Voucher Program - To help veterans obtain a VA loan To end veteran homelessn...

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Real Estate Practice Exam Questions & correct answers

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1. Brokerage definition... the business practice of bringing together the parties in a practice. 2. What are two examples of special use property? schools and cemetary 3. What is an example of functional obsolescence? bathroom

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HUD HC Module 3 - Fair Housing exam 2023 with 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 Deed Restrictions Which is the practice of refusing to make residential loans or imposing more onerous ...

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