Delinquencies - Study guides, Class notes & Summaries
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HUD Study Guide Exam With Verified Updated Answers 2024.
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% Impact of Account Payment History on Credit Score - Answer 35% 
portion of credit score based on the payment history of accounts, including late payments, delinquencies, judgments, and liens 
 
% Impact of Amounts Owed on Accounts on Credit Score - Answer 30% 
portion of score based on the ratio of total credit extended to the amount of credit owed 
 
% Impact of Length of Credit History on Credit Score - Answer 15% 
portion of score based don the overall length of credit history in the...
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CHAMPIONS REAL ESTATE FINANCE GRADED A+ ALREADY PASSED 2023
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Loan-to-Value Ratio (LTV) - correct answer The percentage of the lesser of the appraised value or sales price that the lender will lend. 
 
ex: If a borrower is approved for an 80% loan, it means that the lender will loan up to 80% of the sales price or appraised value, whichever is lower. 
 
Package Mortgage - correct answer Includes both real and personal property ( fixtures and furnishings) 
 
Blanket Mortgage - correct answer Covers more than one piece of property. 
 
Wraparound Mortgage - c...
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HUD Exam Prep Complete Questions & Answers(Latest Update 2024)
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% Impact of Account Payment History on Credit Score - ANSWER 35% 
portion of credit score based on the payment history of accounts, including late payments, delinquencies, judgments, and liens 
 
% Impact of Amounts Owed on Accounts on Credit Score - ANSWER 30% 
portion of score based on the ratio of total credit extended to the amount of credit owed 
 
% Impact of Length of Credit History on Credit Score - ANSWER 15% 
portion of score based don the overall length of credit history in the repor...
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HUD COUNSELOR EXAM 2024-2025 ACTUAL EXAM 200 QUESTIONS AND CORRECT DETAILED ANSWERS WITH RATIONALES (VERIFIED ANSWERS) |ALREADY GRADED A+ Latest Update
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Which section of a credit repirt will contain employer information? 
 personal information 
Which section of the credit report will contain information about a student loan? 
 account information 
Which section of a credit report will contain court information such as bankruptcy? 
 Public records 
Which section of the credit report will show recent attempts to open a credit card? 
 Inquiries 
Which section of a credit report will contain information about how to correct inaccuracies? 
 Consumer ...
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Real Estate Finance - Book 5 Questions with complete solutions
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Sending monthly payment statements and collecting 
monthly payments, maintaining payment 
records and following up on delinquencies. 
 
a. Loan processing 
b. funding 
c. Servicing 
d. Origination - ANSWER-C. Servicing 
 
The process of creating a new mortgage loan. 
 
a. Underwriting 
b. Loan processing 
c. Origination 
d. Funding - ANSWER-C. Origination 
 
The process of collecting information about a borrower in order to build a loan file, that will be used to make a underwriting decision. 
 ...
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HUD Exam Prep Finance _Chamberlain
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% Impact of Account Payment History on Credit Score 
35% 
portion of credit score based on the payment history of accounts, including late payments, 
delinquencies, judgments, and liens 
% Impact of Amounts Owed on Accounts on Credit Score 
30% 
portion of score based on the ratio of total credit extended to the amount of credit owed 
% Impact of Length of Credit History on Credit Score 
15% 
portion of score based don the overall length of credit history in the report, as well as average age of...
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Champions School of Real Estate - Real Estate Finance Questions & Correct Answers/ Graded A+
- Exam (elaborations) • 20 pages • 2024
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Sending monthly payment statements and collecting 
monthly payments, maintaining payment 
records and following up on delinquencies. 
: Servicing 
The process of creating a new mortgage loan 
: Origination 
The process of collecting information about a borrower in order to build a loan file that will be used 
to make an underwriting decision 
: Loan Processing 
The process of transferring funds to a title or escrow company for disbursement 
: Funding 
The process of evaluating a borrower's loa...
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Champions - Real Estate Finance Exam (2024) || Questions & Answers (Graded A+)
- Exam (elaborations) • 20 pages • 2024
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Champions - Real Estate Finance Exam (2024) || Questions & Answers (Graded A+) 
Champions - Real Estate Finance Exam (2024) || Questions & Answers (Graded A+) 
 
Loan Processing - ANSWER - The process of collecting information about a borrower in order to build a loan file that will be used to make an underwriting decision. 
 
Underwriting - ANSWER - The process of evaluating a borrower's loan application to determine the risk involved for the lender. 
 
Funding - ANSWER - The process of transf...
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HUD Exam Prep Questions with 100 % correct answers
- Exam (elaborations) • 49 pages • 2024
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% Impact of Account Payment History on Credit Score - Answer-35% 
portion of credit score based on the payment history of accounts, including late payments, 
delinquencies, judgments, and liens 
% Impact of Amounts Owed on Accounts on Credit Score - Answer-30% 
portion of score based on the ratio of total credit extended to the amount of credit owed 
% Impact of Length of Credit History on Credit Score - Answer-15% 
portion of score based don the overall length of credit history in the report, a...
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Real Estate Finance A+ Exam Questions & Answers
- Exam (elaborations) • 30 pages • 2024
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The process of collecting information about a 
borrower in order to build a loan file that will be 
used to make an underwriting decisions. - ANSWER-loan processing 
 
The process of evaluating a borrower's loan 
application to determine the risk involved for 
the lender. - ANSWER-underwriting 
 
The process of transferring funds to a title or 
escrow company for disbursement. - ANSWER-funding 
 
Sending monthly payment statements and collecting 
monthly payments, maintaining payment 
records a...
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