Benzo
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HUD Exam- Homeownership/ Questions with Certified Answers.
HUD Exam- Homeownership/ Questions with Certified Answers. 
 
A client spoke with five lenders. Four of the five lenders quoted interest rates between 4.1% and 4.6%. One lender mentioned a 3.1% interest rate if she signed for it within the next 36 hours. She was very interested in this loan, so she asked for more information (e.g., conditions and fees). The lender provided some information about the loan, but nothing included the APR. Which regulation deems this practice unlawful? 
A. ECOA 
B. R...
- Package deal
- Exam (elaborations)
- • 22 pages •
HUD Exam- Homeownership/ Questions with Certified Answers. 
 
A client spoke with five lenders. Four of the five lenders quoted interest rates between 4.1% and 4.6%. One lender mentioned a 3.1% interest rate if she signed for it within the next 36 hours. She was very interested in this loan, so she asked for more information (e.g., conditions and fees). The lender provided some information about the loan, but nothing included the APR. Which regulation deems this practice unlawful? 
A. ECOA 
B. R...
Certified Apartment Manager (CAM) 383 Q&A/ A+ Score Solution.
Certified Apartment Manager (CAM) 383 Q&A/ A+ Score Solution. 
 
Describe cost-benefit analysis. - Answer: Process of weighing a potential expense against a potential benefit. 
 
What is the most important thing to keep in mind when developing a budget? - Answer: The owners property objectives and investment goals. 
 
What are the steps to the budget development process? - Answer: Identify goals 
gather information 
assign numerical values 
 
When would you develop Rehap or Renovation budget? -...
- Exam (elaborations)
- • 58 pages •
Certified Apartment Manager (CAM) 383 Q&A/ A+ Score Solution. 
 
Describe cost-benefit analysis. - Answer: Process of weighing a potential expense against a potential benefit. 
 
What is the most important thing to keep in mind when developing a budget? - Answer: The owners property objectives and investment goals. 
 
What are the steps to the budget development process? - Answer: Identify goals 
gather information 
assign numerical values 
 
When would you develop Rehap or Renovation budget? -...
Fair Housing Exam/ Questions & Correct Answers.
Fair Housing Exam/ Questions & Correct Answers. 
 
Refusing to make loans or issue insurance policies in certain areas is known as 
Select one: 
A. blockbusting. 
B. steering. 
C. puffing. 
D. redlining. - Answer: redlining. 
 
Panic selling for financial gain by insinuating that a minority group is moving into the area is known as 
Select one: 
A. steering. 
B. blockbusting. 
C. redlining. 
D. permissible practice. - Answer: blockbusting. 
 
All of the following agencies are responsible for e...
- Exam (elaborations)
- • 13 pages •
Fair Housing Exam/ Questions & Correct Answers. 
 
Refusing to make loans or issue insurance policies in certain areas is known as 
Select one: 
A. blockbusting. 
B. steering. 
C. puffing. 
D. redlining. - Answer: redlining. 
 
Panic selling for financial gain by insinuating that a minority group is moving into the area is known as 
Select one: 
A. steering. 
B. blockbusting. 
C. redlining. 
D. permissible practice. - Answer: blockbusting. 
 
All of the following agencies are responsible for e...
HUD Exam – Tenancy/ Questions with Certified Answers.
HUD Exam – Tenancy/ Questions with Certified Answers. 
 
Tamika is trying to decide whether staying in a transitional shelter is the right option for her and calls Jake for advice. All of the following are true statements about transitional shelters which Jake might share with Tamika, except: 
A. They typically house those who are ready to leave emergency shelters but still need assistance transitioning to independence. 
B. They are a viable option for affordable housing. 
C. Some shelters o...
- Package deal
- Exam (elaborations)
- • 20 pages •
HUD Exam – Tenancy/ Questions with Certified Answers. 
 
Tamika is trying to decide whether staying in a transitional shelter is the right option for her and calls Jake for advice. All of the following are true statements about transitional shelters which Jake might share with Tamika, except: 
A. They typically house those who are ready to leave emergency shelters but still need assistance transitioning to independence. 
B. They are a viable option for affordable housing. 
C. Some shelters o...
HUD Housing Counseling Exam/ 251 Q&A/ A+ Score Solution
HUD Housing Counseling Exam/ 251 Q&A/ A+ Score Solution 
 
Steps to create an Action Plan - Answer: - State goal 
- Identify obstacles 
- Agree on livable budget 
- Steps with dates to achieve goal 
- List who is responsible for steps 
- Signature (optional) 
- follow up and update 
 
Which of the following is not needed in determining a budget? 
 
- Pay stubs 
- Credit report 
- Utility bill 
- Child support 
- Stock dividends - Answer: Credit report 
Stock dividends 
 
Tran would like to take ...
- Package deal
- Exam (elaborations)
- • 54 pages •
HUD Housing Counseling Exam/ 251 Q&A/ A+ Score Solution 
 
Steps to create an Action Plan - Answer: - State goal 
- Identify obstacles 
- Agree on livable budget 
- Steps with dates to achieve goal 
- List who is responsible for steps 
- Signature (optional) 
- follow up and update 
 
Which of the following is not needed in determining a budget? 
 
- Pay stubs 
- Credit report 
- Utility bill 
- Child support 
- Stock dividends - Answer: Credit report 
Stock dividends 
 
Tran would like to take ...
HUD Practice Exam/ 89 Q&A/ Newly Updated
HUD Practice Exam/ 89 Q&A/ Newly Updated 
 
Which is the minimum qualifying credit score for an FHA mortgage if the client made a 3.5% down payment? - Answer: 640 
 
A client has saved money for a small down payment and closing costs to purchase a $100,000 home in the city. The client is deciding whether to begin the homebuying process now or continue saving for a larger down payment. 
 
Client Profile 
► Credit Score - 700 
► Monthly income - $3,000 
► Savings - $15,000 
 
Types of Loans ...
- Package deal
- Exam (elaborations)
- • 14 pages •
HUD Practice Exam/ 89 Q&A/ Newly Updated 
 
Which is the minimum qualifying credit score for an FHA mortgage if the client made a 3.5% down payment? - Answer: 640 
 
A client has saved money for a small down payment and closing costs to purchase a $100,000 home in the city. The client is deciding whether to begin the homebuying process now or continue saving for a larger down payment. 
 
Client Profile 
► Credit Score - 700 
► Monthly income - $3,000 
► Savings - $15,000 
 
Types of Loans ...
HUD Housing Counselor Exam/ 71 Questions with Definitive Solutions
HUD Housing Counselor Exam/ 71 Questions with Definitive Solutions 
 
Conciliation Agreement - Answer: A written agreement setting terms for the resolution of the issues in conciliation. 
 
Consolidated Plan - Answer: A plan designed to help states and local jurisdictions to assess their affordable housing and community development needs and market conditions, and to make data-driven, location-based investment decisions. 
 
Conventional Loan - Answer: A mortgage loan backed by private lenders. T...
- Package deal
- Exam (elaborations)
- • 13 pages •
HUD Housing Counselor Exam/ 71 Questions with Definitive Solutions 
 
Conciliation Agreement - Answer: A written agreement setting terms for the resolution of the issues in conciliation. 
 
Consolidated Plan - Answer: A plan designed to help states and local jurisdictions to assess their affordable housing and community development needs and market conditions, and to make data-driven, location-based investment decisions. 
 
Conventional Loan - Answer: A mortgage loan backed by private lenders. T...
HUD Housing Counselor Certification Practice Exam/ 127 Q&A.
HUD Housing Counselor Certification Practice Exam/ 127 Q&A. 
 
A client wants to customize his home with do-it-yourself projects, this is an indication the client is best aligned with which housing option; Home-ownership or Renting? - Answer: Home-ownership 
 
The client's gross monthly income is $4167 and the monthly debts are $435. What is the maximum mortgage payment (rounded to the nearest dollar) for which this client would qualify using a standard conventional loan? - Answer: $1,065 
N...
- Package deal
- Exam (elaborations)
- • 52 pages •
HUD Housing Counselor Certification Practice Exam/ 127 Q&A. 
 
A client wants to customize his home with do-it-yourself projects, this is an indication the client is best aligned with which housing option; Home-ownership or Renting? - Answer: Home-ownership 
 
The client's gross monthly income is $4167 and the monthly debts are $435. What is the maximum mortgage payment (rounded to the nearest dollar) for which this client would qualify using a standard conventional loan? - Answer: $1,065 
N...
HUD Practice Test Quizzes and Correct Answers/ 2024-2025.
HUD Practice Test Quizzes and Correct Answers/ . 
 
A client is in the process of purchasing a home with a sales price of $162,000. The client has a net worth of $50,000, a credit score of 680, and a debt-to-income ratio of 36%. The home has appraised for $155,000. Which factor of creditworthiness will most likely be an obstacle to purchasing the home? - Answer: Collateral 
 
When a lender inquires about how much money a borrower has saved for a down payment on a home, what factor is being cons...
- Package deal
- Exam (elaborations)
- • 15 pages •
HUD Practice Test Quizzes and Correct Answers/ . 
 
A client is in the process of purchasing a home with a sales price of $162,000. The client has a net worth of $50,000, a credit score of 680, and a debt-to-income ratio of 36%. The home has appraised for $155,000. Which factor of creditworthiness will most likely be an obstacle to purchasing the home? - Answer: Collateral 
 
When a lender inquires about how much money a borrower has saved for a down payment on a home, what factor is being cons...
HUD Certification Exam/ 115 Quizzes & Correct Ans
HUD Certification Exam/ 115 Quizzes & Correct Ans 
 
The section of a credit report that contains information about a student loan. - Answer: Account Information 
 
The section of the credit report that contains court information such as a bankruptcy. - Answer: Public Records 
 
The section of the credit report that will show recent attempts to open a credit card. - Answer: Inquiries 
 
The section of the credit report that contains information about how to correct inaccuracies. - Answer: Consum...
- Package deal
- Exam (elaborations)
- • 17 pages •
HUD Certification Exam/ 115 Quizzes & Correct Ans 
 
The section of a credit report that contains information about a student loan. - Answer: Account Information 
 
The section of the credit report that contains court information such as a bankruptcy. - Answer: Public Records 
 
The section of the credit report that will show recent attempts to open a credit card. - Answer: Inquiries 
 
The section of the credit report that contains information about how to correct inaccuracies. - Answer: Consum...
Texas Wastewater Class A (Test 3) Containing 143 Questions with Definitive Answers 2024-2025.
Texas Jurisprudence EMT Challenge Containing 150 Terms with Definitive Solutions Update 2024-2025.
Texas Class C Wastewater Treatment License Study Guide Exam Questions Containing 233 Terms with Definitive Solutions 2024-2025.