Hud housing counseling Study guides, Class notes & Summaries
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HUD Housing Counseling Questions and Answers (latest Update 2024)
- Exam (elaborations) • 28 pages • 2024
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HUD Housing Counseling Questions and Answers (latest Update 2024)
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HUD Housing Counseling Exam Accurate 100%
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Back-end ratio - ANSWER The 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. The client's total current expenses divided by gross monthly income equals 52%. The client's combined current housing payment and car payment divided by gross monthly income equals 24%. 
Calculation: 
Deb...
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HUD Housing Counseling Exam 100% Correct
- Exam (elaborations) • 35 pages • 2024
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Back-end ratio - ANSWER The 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. The client's total current expenses divided by gross monthly income equals 52%. The client's combined current housing payment and car payment divided by gross monthly income equals 24%. 
Calculation: 
Deb...
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HUD Housing Counseling Questions and Answers (Graded A)
- Exam (elaborations) • 11 pages • 2024
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HUD Housing Counseling Questions and Answers (Graded A) 
 
 
HUD Housing Counseling Questions and Answers (Graded A) 
 
 
HUD Housing Counseling Questions and Answers (Graded A) 
 
 
 
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 - ANSWER-Bank Statement 
 
Which additional information would the housing counselor need to prepare a household budget for this client? 
 
...
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HUD Housing Counseling Exam Accurate 100%
- Exam (elaborations) • 42 pages • 2024
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Rental Obstacle + Solutions: Low Income - 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 - ANSWER Prioritize "needs over "wants" 
-reduce or eliminate "wants" 
-cancel or downgrade services(e.g. cable, telephone) 
-limit miscellaneous spending 
- stick to a shopping list 
- pay off a loan or credi...
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HUD Housing Counseling Exam Correctly Solved 100% Correct!!
- Exam (elaborations) • 27 pages • 2023
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HUD Housing Counseling Exam Correctly Solved 100% Correct!!
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HUD Housing Counseling Exam accurate 100%
- Exam (elaborations) • 42 pages • 2024
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HUD Housing Counseling Exam accurRental Obstacle + Solutions: Low Income - 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 - ANSWER Prioritize "needs over "wants" 
-reduce or eliminate "wants" 
-cancel or downgrade services(e.g. cable, telephone) 
-limit miscellaneous spending 
- stick to a shoppin...
-
HUD Housing Counseling Exam 100% correct
- Exam (elaborations) • 35 pages • 2024
-
Available in package deal
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- $13.49
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HUD Housing Counseling Exam 100% correct 
Back-end ratio - ANSWER The 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. The client's total current expenses divided by gross monthly income equals 52%. The client's combined current housing payment and car payment divided by gross mo...
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HUD Housing Counseling Exam Study guide (Download To Score An A)
- Exam (elaborations) • 55 pages • 2023
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HUD Housing Counseling Exam Study guide (Download To Score An A)
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HUD Housing Counseling Exam 2023/2024
- Exam (elaborations) • 34 pages • 2024
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HUD Housing Counseling Exam 2023/2024 
 
Back-end ratio 
The 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. The client's total current expenses divided by gross monthly income equals 52%. The client's combined current housing payment and car payment divided by gross monthly inco...
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