HUD
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HUD PRACTICE TEST QUESTIONS AND VERIFIED SOLUTIONS 2024/2025 GRADED A+.
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1. Which document is most important when working with a client to developan initial budget as 
part of a Client Action Plan?: Pay Stub 
2. A client would like to purchase a home within one year. The client is moti- vated to increase 
household income as a way to save for a down payment andqualify for a loan.Which is the 
best solution for the client to reach this goal?: Find a second job 
3. A credit report may contain which information?: The number of accounts incollection status 
4. Six months...
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HUD BUNDLE EXAMS PREP HUD Housing Counselor Certification Practice HUD Exam Housing Affordability HUD Housing Counseling Exam HUD Exam Financial Management
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HUD BUNDLE EXAMS PREP HUD Housing Counselor Certification Practice HUD Exam Housing Affordability HUD Housing Counseling Exam HUD Exam Financial Management 
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HUD Housing Counselor Certification Practice Questions and Answers Latest (2023 / 2024) (Verified Answers)
- Exam (elaborations) • 87 pages • 2023
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HUD Housing Counselor Certification Practice Questions and Answers Latest (2023 / 2024) (Verified Answers)
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HUD EXAM Questions and Answers Latest (2023 / 2024) (Verified Answers)
- Exam (elaborations) • 2 pages • 2023
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HUD EXAM Questions and Answers Latest (2023 / 2024) (Verified Answers)
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HUD Exam Housing Affordability Questions and Answers Latest (2023 / 2024) (Verified Answers)
- Exam (elaborations) • 8 pages • 2023
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HUD Exam Housing Affordability Questions and Answers Latest (2023 / 2024) (Verified Answers)
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HUD Housing Counseling Exam Questions and Answers Latest (2023 / 2024) (Verified Answers)
- Exam (elaborations) • 80 pages • 2023
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HUD Housing Counseling Exam Questions and Answers Latest (2023 / 2024) (Verified Answers)
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HUD Exam Financial Management Questions and Answers Latest (2023 / 2024) (Verified Answers)
- Exam (elaborations) • 10 pages • 2023
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HUD Exam Financial Management Questions and Answers Latest (2023 / 2024) (Verified Answers)
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HUD EXAM PREP| 120 QUESTIONS| WITH COMPLETE SOLUTIONS
- Exam (elaborations) • 28 pages • 2022
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Types of Credit Used Correct Answer: Student loan or credit cards only 
 
FAKO scores Correct Answer: purchase score which are educational score 
 
Fair Credit Reporting Act FCRA Correct Answer: what is in file/dispute/remove 30 days/remove bad 7 yrs/bk 10 yrs/access limited/damages from violators/state rights 
 
Fair and Accurate Credit Transactions Act FACTA Correct Answer: free cbrs/fraud alert/truncate cc #s 
 
Fair Credit Billing Act (FCBA) Correct Answer: dispute bill error/mail 60 da...
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HUD Housing Counseling Exam| 357 QUESTIONS| 41 PAGES| WITH COMPLETE SOLUTIONS
- Exam (elaborations) • 41 pages • 2022
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Rental Obstacle + Solutions: Low Income Correct 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 Correct 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...
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HUD Housing Counselor Module 4.1 & 4.2 | 100% Correct Answers
- Exam (elaborations) • 9 pages • 2022
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A potential homebuyer with a minimal savings for a down payment and a low credit 
score is most likely to qualify for which mortgage? 
- United States Department of Agriculture (USDA) 
- Federal Housing Administration (FHA) 
- Fannie Mae 
- Freddie Mac - Federal Housing Administration (FHA) 
Which is the most significant benefit of using a real estate agent? 
- Marketing the home online 
- Obtaining a home inspection 
- Paying the sales commission 
- Negotiating the sale - Negotiating the sale 
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