Housing counseling exam - Study guides, Class notes & Summaries
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HUD Housing Counseling Exam Complete Questions and Answers!
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HUD Housing Counseling Exam ComplCivil Rights Act of 1866 - ANSWER Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) 
 
Fair Housing Act of 1968 - ANSWER banned discrimination in the rental or sale of housing (Race, color, religion, national origin) 
 
Housing and Community Development Act of 1974 - ANSWER added gender (sex) to the protected classes 
 
Fair Housing Amendments Act of 1988 - ANSWER Added Disability and familial status to protected cla...
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HUD Housing Counseling Exam 2023/2024
- Exam (elaborations) • 34 pages • 2023
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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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HUD Housing Counseling Exam Complete Questions and Answers(RATED A)
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Civil Rights Act of 1866 - ANSWER Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) 
 
Fair Housing Act of 1968 - ANSWER banned discrimination in the rental or sale of housing (Race, color, religion, national origin) 
 
Housing and Community Development Act of 1974 - ANSWER added gender (sex) to the protected classes 
 
Fair Housing Amendments Act of 1988 - ANSWER Added Disability and familial status to protected classes. 
 
Real Estate Settlement a...
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HUD Housing Counseling Exam Correctly Solved 100% Correct!!
- Exam (elaborations) • 27 pages • 2024
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HUD Housing Counseling Exam Correctly Solved 100% Correct!! 
 
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 1974 
added gender (sex) to the protected classes 
Fair Housing Amendments Act of 1988 
Added Disability and familial status to protected classes. 
R...
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HUD Housing Counseling Exam With Complete Solutions
- Exam (elaborations) • 30 pages • 2023
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HUD Housing Counseling Exam With Complete Solutions
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HUD HOUSING COUNSELING EXAM COMPLETE SOLUTION
- Exam (elaborations) • 28 pages • 2023
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HUD HOUSING COUNSELING EXAM COMPLETE SOLUTION
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HUD Housing Counseling Exam | 200 Questions with 100% Correct Answers | Verified | Latest Update 2024
- Exam (elaborations) • 30 pages • 2024
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Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) - Civil 
Rights Act of 1866 
banned discrimination in the rental or sale of housing (Race, color, religion, national origin) - Fair 
Housing Act of 1968 
added gender (sex) to the protected classes - Housing and Community Development Act of 1974 
Added Disability and familial status to protected classes. - Fair Housing Amendments Act of 1988 
Requires lenders and brokers to ensure that applicants und...
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HUD Housing Counseling Exam Questions & Answers Correct 100%
- Exam (elaborations) • 41 pages • 2024
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Civil Rights Act of 1866 - Answer Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) 
 
Fair Housing Act of 1968 - Answer banned discrimination in the rental or sale of housing (Race, color, religion, national origin) 
 
Housing and Community Development Act of 1974 - Answer added gender (sex) to the protected classes 
 
Fair Housing Amendments Act of 1988 - Answer Added Disability and familial status to protected classes. 
 
Real Estate Settlement a...
-
HUD Housing Counseling Exam Questions & Answers 100% Correct
- Exam (elaborations) • 63 pages • 2024
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- $13.99
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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 2023/2024
- Exam (elaborations) • 34 pages • 2024
-
- $17.89
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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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