Housing counseling exam - Study guides, Class notes & Summaries
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HUD Housing Counseling Exam Correct 100%
- Exam (elaborations) • 42 pages • 2024
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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 Accurate 100%
- Exam (elaborations) • 35 pages • 2024
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Back-end ratio - ANSWER The back-end ratio (or debt-to-income ratio) compares total debt to gross monthly income. The client's only debt is a $435 lease payment, so the $950 mortgage payment brings his total monthly debt to $1,385. He earns $50,000 per year, which equals $4,166.67 per month. The client's total current expenses divided by gross monthly income equals 52%. The client's combined current housing payment and car payment divided by gross monthly income equals 24%. 
Calculation: 
Deb...
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HUD Housing Counseling Exam Questions and Answers 100% Pass
- Exam (elaborations) • 17 pages • 2024
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HUD Housing Counseling Exam 
Questions and Answers 100% Pass 
Which document should the counselor review with the client to identify spending habits 
and track expenses? 
A. Credit report 
B. Pay stubs 
C. Bank Statement 
D. Tax returns - Correct Answer ️️ -Bank Statement 
Which additional information would the housing counselor need to prepare a household 
budget for this client? 
A. Net Income 
B. Lease Documentation 
C. Credit Score 
D. Bankruptcy Discharge - Correct Answer ️️ -Net In...
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HUD Housing Counseling Exam Question and answers rated A+ 2024
- Exam (elaborations) • 35 pages • 2024
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HUD Housing Counseling Exam Question and answers rated A+ 2024 
Back-end ratio - correct answer The back-end ratio (or debt-to-income ratio) compares total debt to gross monthly income. The client's only debt is a $435 lease payment, so the $950 mortgage payment brings his total monthly debt to $1,385. He earns $50,000 per year, which equals $4,166.67 per month. The client's total current expenses divided by gross monthly income equals 52%. The client's combined current housing payment and...
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HUD Housing Counseling Exam Questions with complete solution 2023/2024
- Exam (elaborations) • 29 pages • 2024
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HUD Housing Counseling Exam Questions with complete solution 2023/2024Civil Rights Act of 1866 - correct answer Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) 
 
Fair Housing Act of 1968 - correct answer banned discrimination in the rental or sale of housing (Race, color, religion, national origin) 
 
Housing and Community Development Act of 1974 - correct answer added gender (sex) to the protected classes 
 
Fair Housing Amendments Act ...
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HUD Housing Counseling Exam 2023/2024
- Exam (elaborations) • 33 pages • 2023
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HUD Housing Counseling Exam 2023/2024
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HUD Housing Counseling Exam Correctly Solved 100% Correct!!
- Exam (elaborations) • 27 pages • 2023
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HUD Housing Counseling Exam Correctly Solved 100% Correct!!
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HUD Housing Counseling Exam 100% Correct
- Exam (elaborations) • 35 pages • 2024
-
Available in package deal
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- $13.49
- + learn more
Back-end ratio - ANSWER The back-end ratio (or debt-to-income ratio) compares total debt to gross monthly income. The client's only debt is a $435 lease payment, so the $950 mortgage payment brings his total monthly debt to $1,385. He earns $50,000 per year, which equals $4,166.67 per month. The client's total current expenses divided by gross monthly income equals 52%. The client's combined current housing payment and car payment divided by gross monthly income equals 24%. 
Calculation: 
Deb...
-
HUD Housing Counseling Exam Accurate 100%
- Exam (elaborations) • 42 pages • 2024
-
Available in package deal
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- $12.99
- + learn more
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...
-
HUD Housing Counseling Exam accurate 100%
- Exam (elaborations) • 42 pages • 2024
-
Available in package deal
-
- $14.49
- + learn more
HUD Housing Counseling Exam accurRental 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 shoppin...
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