HUD Counselor Certification (with Errorless solutions 100%) Housing Counselor Exam Prep (All solved accurately) HUD Housing Counseling Exam (A+ Guaranteed) HUD Housing Exam (100% correct answers) HUD - Housing & Urban Developments Exam Prep (Graded A+ already) HUD Housing Counselor Exam (A+ Graded)...
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Which document is most important when working with a client to develop an initial budget as part of a Client Action Plan? correct answers Pay Stub A client would like to purchase a home within one year. The client is motivated to increase household income as a way to save for a down payment and q...
Voorbeeld 2 van de 8 pagina's
In winkelwagenWhich document is most important when working with a client to develop an initial budget as part of a Client Action Plan? correct answers Pay Stub A client would like to purchase a home within one year. The client is motivated to increase household income as a way to save for a down payment and q...
What is the maximum percent of area median income allowable for a household to qualify for a Housing Choice Voucher? correct answers 50% Which is the maximum recommended housing ratio for renting an apartment? correct answers 30% Eligibility requirements for down-payment assistance programs in...
Voorbeeld 3 van de 26 pagina's
In winkelwagenWhat is the maximum percent of area median income allowable for a household to qualify for a Housing Choice Voucher? correct answers 50% Which is the maximum recommended housing ratio for renting an apartment? correct answers 30% Eligibility requirements for down-payment assistance programs in...
% Impact of Account Payment History on Credit Score correct answers 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 correct answers 30% portion of score based...
Voorbeeld 4 van de 35 pagina's
In winkelwagen% Impact of Account Payment History on Credit Score correct answers 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 correct answers 30% portion of score based...
Adjustable Rate Mortgage (ARM) correct answers Adjustable rate mortgages have an initial rate that applies for a defined period of time (typically from one month to 10 years), then adjusts at pre-determined intervals for the life of the loan. Interest rates can increase or decrease when adjusted. ...
Voorbeeld 2 van de 6 pagina's
In winkelwagenAdjustable Rate Mortgage (ARM) correct answers Adjustable rate mortgages have an initial rate that applies for a defined period of time (typically from one month to 10 years), then adjusts at pre-determined intervals for the life of the loan. Interest rates can increase or decrease when adjusted. ...
Types of Credit Used correct answers Student loan or credit cards only FAKO scores correct answers purchase score which are educational score Fair Credit Reporting Act FCRA correct answers what is in file/dispute/remove 30 days/remove bad 7 yrs/bk 10 yrs/access limited/damages from violators/s...
Voorbeeld 3 van de 22 pagina's
In winkelwagenTypes of Credit Used correct answers Student loan or credit cards only FAKO scores correct answers purchase score which are educational score Fair Credit Reporting Act FCRA correct answers what is in file/dispute/remove 30 days/remove bad 7 yrs/bk 10 yrs/access limited/damages from violators/s...
Which document should the counselor review with the client to identify spending habits and track expenses: correct answers Bank statement Which additional information would the housing counselor need to prepare a household budget for this client? correct answers Net income Which item in the cl...
Voorbeeld 2 van de 10 pagina's
In winkelwagenWhich document should the counselor review with the client to identify spending habits and track expenses: correct answers Bank statement Which additional information would the housing counselor need to prepare a household budget for this client? correct answers Net income Which item in the cl...
Civil Rights Act of 1866 correct answers Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) Fair Housing Act of 1968 correct answers banned discrimination in the rental or sale of housing (Race, color, religion, national origin) Housing and Communi...
Voorbeeld 3 van de 28 pagina's
In winkelwagenCivil Rights Act of 1866 correct answers Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) Fair Housing Act of 1968 correct answers banned discrimination in the rental or sale of housing (Race, color, religion, national origin) Housing and Communi...
Elements IN a Budget correct answers -Pay Stubs. (For self employed -> profit + loss statements) -Bank Statement -Utility Bill -Soc. Sec. Award Letter -Credit Card Debt -Car Expenses -Child Support -Hobby Income (Avg.) Elements NOT in a Budget correct answers -Stock Dividends -Annual Bo...
Voorbeeld 3 van de 22 pagina's
In winkelwagenElements IN a Budget correct answers -Pay Stubs. (For self employed -> profit + loss statements) -Bank Statement -Utility Bill -Soc. Sec. Award Letter -Credit Card Debt -Car Expenses -Child Support -Hobby Income (Avg.) Elements NOT in a Budget correct answers -Stock Dividends -Annual Bo...
Default correct answers When no payments made after 60 to 90 days... 30 for FHA loans Front-End Ratio Equation correct answers Monthly housing expenses/gross monthly income Front-End Ratio maximums correct answers 28% or less - conventional loan 31% or less for FHA, 30% or less for rentals ...
Voorbeeld 2 van de 9 pagina's
In winkelwagenDefault correct answers When no payments made after 60 to 90 days... 30 for FHA loans Front-End Ratio Equation correct answers Monthly housing expenses/gross monthly income Front-End Ratio maximums correct answers 28% or less - conventional loan 31% or less for FHA, 30% or less for rentals ...
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