Aims ppl - Study guides, Class notes & Summaries

Housing Counselor Exam Prep All Answers Correct 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 Efficiency Mortga...

Default - Answer When no payments made after 60 to 90 days... 30 for FHA loans Front-End Ratio Equation - Answer Monthly housing expenses/gross monthly income Front-End Ratio maximums - Answer 28% or less - conventional loan 31% or less for FHA, 30% or less for rentals Back-End Ratio (Debt-to-Income) Equation - Answer total monthly debt expenses/gross monthly income Back-End Ratio Caps - Answer 36% for conventional loans and renters, 43% for FHA, 45% for Energy Efficiency Mortgage l...

Stages in which change occurs - ANSWER-precontemplation contemplation preparation action maintenance relapse precontemplation stage of change - ANSWER-denail, ignorance of the problem contemplation stage of change - ANSWER-ambivalence, conflicted emotion preparation stage of change - ANSWER-experimenting w small changes, collecting info about change action stage of change - ANSWER-taking direct action toward achieving a goal maintenance stage of change - ANSWER-maintaining ...

Stages in which change occurs - ANSWER-precontemplation contemplation preparation action maintenance relapse precontemplation stage of change - ANSWER-denail, ignorance of the problem contemplation stage of change - ANSWER-ambivalence, conflicted emotion preparation stage of change - ANSWER-experimenting w small changes, collecting info about change action stage of change - ANSWER-taking direct action toward achieving a goal maintenance stage of change - ANSWER-maintaining ...

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...

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...

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...

major tenets of nazi ideology antisemitism, lebensraum, nationalism, leadership principle, social darwinism, anti communism, pan Germanism anti semitism Antisemitism within Nazi ideology was a continuation of historical anti-semitism with new ideas of race (Social Darwinism), hate and "degenerate culture" (modernist art and film + feminism). Less that 2% of the German nation was Jewish... change from christian to racial anti semitism, wasnt a reaction to jewish life, they were the s...

major tenets of nazi ideology antisemitism, lebensraum, nationalism, leadership principle, social darwinism, anti communism, pan Germanism anti semitism Antisemitism within Nazi ideology was a continuation of historical anti-semitism with new ideas of race (Social Darwinism), hate and "degenerate culture" (modernist art and film + feminism). Less that 2% of the German nation was Jewish... change from christian to racial anti semitism, wasnt a reaction to jewish life, they were the s...

Music Therapy - Answer discipline in which credentialed professionals (MTA) use music purposefully w/in therapeutic relationships to support development, health, and well-being. Use music safely & ethically to address human needs w/in cognitive, communicative, emotional, musical, physical, social, and spiritual domains Canadian Association of Music Therapists (CAMT) - Answer -organizing board for MTs -started in 1974 -federally incorporated, self-regulated, non-profit professional associat...