Hud housing counselo Study guides, Class notes & Summaries
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HUD Housing Counselor
- Exam (elaborations) • 8 pages • 2023
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Housing Counselor Exam Prep Questions & Answers Already Passed!! 
 
Default 
When no payments made after 60 to 90 days... 30 for FHA loans 
Front-End Ratio Equation 
Monthly housing expenses/gross monthly income 
Front-End Ratio maximums 
28% or less - conventional loan 
31% or less for FHA, 30% or less for rentals 
Back-End Ratio (Debt-to-Income) Equation 
total monthly debt expenses/gross monthly income 
Back-End Ratio Caps 
36% for conventional loans and renters, 43% for FHA, 45% for Energy E...
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HUD Housing Counselor Certification Practice Questions and answers Graded A+
- Exam (elaborations) • 34 pages • 2024
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What is the maximum percent of area median income allowable for a household to qualify for a 
Housing Choice Voucher? - Answer-50% 
Which is the maximum recommended housing ratio for renting an apartment? - Answer-30% 
Eligibility requirements for down-payment assistance programs include which factors? - AnswerIncome, home-buyer education, purchase price 
The client is considering an FHA mortgage. What is the upfront mortgage insurance premium 
(UFMIP) for an 
FHA mortgage? - Answer-1.75% 
If th...
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HUD Housing Counselor Certification Practice Question and answers already passed 2023/2024
- Exam (elaborations) • 27 pages • 2024
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HUD Housing Counselor Certification Practice Question and answers already passed 2023/2024What is the maximum percent of area median income allowable for a household to qualify for a Housing Choice Voucher? - correct answer 50% 
 
Which is the maximum recommended housing ratio for renting an apartment? - correct answer 30% 
 
Eligibility requirements for down-payment assistance programs include which factors? - correct answer Income, home-buyer education, purchase price 
 
The client is co...
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Hud Housing Counselor Final Exam 2024 Questions And Answers
- Exam (elaborations) • 11 pages • 2024
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Hud Housing Counselor Final Exam 
2024 Questions And Answers 
Which document should the counselor review with the client to identify spending habits 
and track expenses: - CORRECT ANSWER-Bank statement 
Which additional information would the housing counselor need to prepare a household 
budget for this client? - CORRECT ANSWER-Net income 
Which item in the client's budget is a fixed expense? - CORRECT ANSWER-Car lease 
payment 
What is the maximum percent of area medium income allowable for...
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HUD HOUSING COUNSELOR CERTIFICATION PRACTICE
- Exam (elaborations) • 27 pages • 2024
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HUD HOUSING COUNSELOR CERTIFICATION PRACTICE
Want to regain your expenses?
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HUD Housing Counselor Module- Avoiding Foreclosure Exam Questions and Answers 100% Pass
- Exam (elaborations) • 17 pages • 2024
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HUD Housing Counselor Module- Avoiding Foreclosure 
Exam Questions and Answers 100% Pass 
Which of the following did NOT contribute to the increase in foreclosure rates during the 
mortgage crisis? 
- Risky loan products with features like negative amortization 
- Homeowners paying off mortgages early 
- Aggressive marketing of Home Equity Line of Credits (HELOC) 
- Using teaser rates to qualify more borrowers - Correct Answer ️️ -Homeowners 
paying off mortgages early 
This program made it ...
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HUD Housing Counselor Certification Practice Exam Questions with Correct Verified Answers, Already Passed! (Complete & Accurate)
- Exam (elaborations) • 48 pages • 2024
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HUD Housing Counselor Certification Practice Exam Questions with Correct Verified Answers, Already Passed! (Complete & Accurate) 
 
HUD Housing Counselor Certification Practice Exam Questions with Correct Verified Answers, Already Passed! (Complete & Accurate) 
 
HUD Housing Counselor Certification Practice Exam Questions with Correct Verified Answers, Already Passed! (Complete & Accurate) 
 
HUD Housing Counselor Certification Practice Exam Questions with Correct Verified Answers, Already Passe...
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HUD Housing Counselor Certification Practice Questions and answers latest update 2024
- Exam (elaborations) • 35 pages • 2024
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HUD Housing Counselor Certification Practice Questions and answers latest update 2024
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HUD Housing Counselor Exam Questions and Answers (Latest Update 2024)
- Exam (elaborations) • 18 pages • 2024
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HUD Housing Counselor Exam Questions and Answers (Latest Update 2024)
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HUD Housing Counselor Certification Practice Exam 2024-2025
- Exam (elaborations) • 51 pages • 2024
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HUD Housing Counselor Certification Practice Exam ...
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