Makes up 15 of fico score Study guides, Class notes & Summaries
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UGBA 135 Final Exam 2023 Questions and Answers 100% Verified;These are acual quiz
- Exam (elaborations) • 18 pages • 2023
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UGBA 135 Final Exam 2023 Questions and Answers 100% Verified;These are acual quiz 
 
What is the biggest problem facing us in the future? - Longevity, not retirement 
Where is the burden of saving and investing for retirement and health care shifting? - From employer to employee 
What percentage of households have income of more than $113,000? - 10% 
What percentage of households earn $160,000? - 5% 
What is a common trait of millionaires? - The ability to communicate and sell their ideas 
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UGBA 135 Final Exam 2023 Questions and Answers
- Exam (elaborations) • 25 pages • 2023
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What is the biggest problem facing us in the future? - Answer- Longevity, not retirement 
 
Where is the burden of saving and investing for retirement and health care shifting? - Answer- From employer to employee 
 
What percentage of households have income of more than $113,000? - Answer- 10% 
 
What percentage of households earn $160,000? - Answer- 5% 
 
What is a common trait of millionaires? - Answer- The ability to communicate and sell their ideas 
 
Where can the lender not take out money ...
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NACA HUD Certification Exam 2023 with 100% correct answers
- Exam (elaborations) • 7 pages • 2023
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Credit Report 
a compilation of data about you that has been gathered by credit reporting agencies or "credit bureaus" 
 
 
 
Length of Credit History 
Makes up 15% of FICO score 
 
 
 
Type 
__ of credit use makes up 10% of FICO score 
 
 
 
New Credit or Inquiries 
Makes up 10% of FICO score 
 
 
 
Amounts Owed 
Makes up 30% of FICO score 
 
 
 
Payment History 
Makes up 35% of FICO score 
 
 
 
Fair Credit Reporting Act (FCRA) 
act that protects privacy of background information and ensures...
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997 NMLS Questions with Answers
- Exam (elaborations) • 154 pages • 2023
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997 NMLS Questions with Answers 
The practice of getting people to sell their homes at bargain prices by suggesting that 
certain 
ethnic groups are going to move into the area is nicknamed: 
-Price fixing 
-Redlining 
-Steering 
-Blockbusting>>>> Blockbusting 
You and the borrower believe an Adjustable Rate Mortgage would be best for the 
borrower. What 
is the name of the booklet you are required to give? 
-CHARM Booklet 
-ARM Disclosure 
-Fair Lending Practices Booklet 
-RESPA Bo...
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HUD Housing Counseling Exam Latest Updated Graded A
- Exam (elaborations) • 29 pages • 2023
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Civil Rights Act of 1866 - ANSWER-Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) 
 
Fair Housing Act of 1968 - ANSWER-banned discrimination in the rental or sale of housing (Race, color, religion, national origin) 
 
Housing and Community Development Act of 1974 - ANSWER-added gender (sex) to the protected classes 
 
Fair Housing Amendments Act of 1988 - ANSWER-Added Disability and familial status to protected classes. 
 
Real Estate Settlement a...
And that's how you make extra money
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HUD Housing Counseling Questions and Answers Solved 100%
- Exam (elaborations) • 42 pages • 2023
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Rental Obstacle + Solutions: Low Income - ANSWER--Some Renters reject people whose Rent would be more than 30% of GMI 
-Solutions 
-Apply for Housing Assistance 
-Expand housing search areas 
-Get a roommate 
-Move in w/family or friends 
 
Strategies for decreasing expenses and debt - ANSWER-Prioritize "needs over "wants" 
-reduce or eliminate "wants" 
-cancel or downgrade services(e.g. cable, telephone) 
-limit miscellaneous spending 
- stick to a shopping list 
- pay off a loan or credi...
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HUD Housing Counseling Exam, question and answer, graded A+
- Exam (elaborations) • 29 pages • 2023
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- $14.99
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HUD Housing Counseling Exam, question and answer, graded A+ 
Civil Rights Act of 1866 
Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) 
 
 
 
Fair Housing Act of 1968 
banned discrimination in the rental or sale of housing (Race, color, religion, national origin) 
 
 
 
Housing and Community Development Act of 1974 
added gender (sex) to the protected classes 
 
 
 
Fair Housing Amendments Act of 1988 
Added Disability and familial status to prote...
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SAFE MLO NMLS License Test (solved)
- Exam (elaborations) • 22 pages • 2022
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- $8.99
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Abstract of title (Title Report) - ANSWER-A written history of all the transactions related to the title for a specific tract of land. This will include a history of all liens, judgements, easements and covenants on the property 
 
Abusive - ANSWER-Under the Dodd-Frank Act, this is act of a Loan Originator taking advantage of the borrower's lack of knowledge in the mortgage process. 
 
Accrued Interest - ANSWER-This is the interest that is charged over the course of the payment period. 
 
Addit...
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