HUD CERTIFICATION EXAM 2024 |ACTUAL
COMPLETE 300 QUESTIONS AND CORRECT
DETAILED ANSWERS |PRE-EVALUATED A+ |BEST
REVISION MATERIAL |100% GUARANTEED TO
PASS!!
Deed Restrictions - ANSWER-Legally enforceable terms that govern the use of real
estate
Redlining - ANSWER-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 of the area's residents.
Civil Rights Act of 1968 - ANSWER-Following the assassination of Dr. Martin Luther
King Jr., Congress passed what monumental piece of legislation, which prohibits
discrimination in housing sales, rentals, and financing based on race, color, national
origin, religion, sex, disability and familial status?
7 - ANSWER-The Fair Housing Act, as amended, protects how many characteristics?
Reasonable Modification - ANSWER-A property manager of an apartment complex that
receives federal financial assistance installs a ramp so that a tenant in a wheelchair can
easily access her first-floor apartment.
Reasonable Accommodation - ANSWER-Housing provider has a policy of requiring
tenants to come to the rental office to pay their rent. A tenant with a mental disability,
who is afraid to leave her unit, is allowed to mail her rent payment.
True - ANSWER-The Fair Housing Act does not prohibit a lender from showing potential
clients information about different loans.
, Fair Housing Assistance Program (FHAP) - ANSWER-Provides annual funding to state
and local agencies that enforce fair housing laws that are substantially equivalent to the
Fair Housing Act. These funds go towards an agency's capacity building, administrative
costs, investigative and enforcement efforts, training and other projects designed to
support enforcement of fair housing law.
Fair Housing Initiatives Program (FHIP) - ANSWER-Provides funding to fair housing
organizations and nonprofits that assist people who may have been victims of housing
discrimination.
Marketing Analysis - ANSWER-Aim is to identify groups of people who would benefit
most if targeted by the campaign, the characteristics of these people, and their
expectations.
Networking Event - ANSWER-The opportunity to increase awareness of the plans and
actions of housing industry members, private organizations and foundations, public
housing agencies, neighborhood groups, regional organizations, and others to further
fair housing objectives.
Personal Information - ANSWER-The section of the credit report that contains employer
details.
Account Information - ANSWER-The section of a credit report that contains information
about a student loan.
Public Records - ANSWER-The section of the credit report that contains court
information such as a bankruptcy.
Inquiries - ANSWER-The section of the credit report that will show recent attempts to
open a credit card.
Consumer Rights - ANSWER-The section of the credit report that contains information
about how to correct inaccuracies.
Account History - ANSWER-Credit: Payment history of accounts, including late
payments, delinquencies, judgments, and liens.
Amounts Owed - ANSWER-Credit: Ratio of total credit extended to the amount of credit
owed.
Length of Credit History - ANSWER-Credit: Overall length of credit history in the report
as well as the average age of accounts.
Types of Credit - ANSWER-Credit: Variety of accounts (e.g. credit card, auto loan,
mortgage)
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