Hud exam stuvia - Study guides, Class notes & Summaries
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HUD Housing Counseling Exam 2023-2024 with Complete Solutions
- Exam (elaborations) • 35 pages • 2024
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HUD Housing Counseling Exam with Complete SolutionsHUD Housing Counseling Exam with Complete SolutionsHUD Housing Counseling Exam with Complete Solutions 
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 ...
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HUD Housing Counseling Exam 2023-2024 Questions and Answers (Graded A)
- Exam (elaborations) • 42 pages • 2024
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HUD Housing Counseling Exam Questions and Answers (Graded A) 
 
 
HUD Housing Counseling Exam Questions and Answers (Graded A) 
 
 
HUD Housing Counseling Exam Questions and Answers (Graded A) 
 
 
 
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-Pr...
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HUD Exam|489 Questions and Answers 100% Correct
- Exam (elaborations) • 66 pages • 2024
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HUD Exam Questions and Answers 100% CorrectHUD Exam Questions and Answers 100% CorrectHUD Exam Questions and Answers 100% CorrectHUD Exam Questions and Answers 100% CorrectHUD Exam|489 Questions and Answers 100% Corre
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HUD EXAM 2023/2024 GRADED A WITH VERIFIED ANSWERS
- Exam (elaborations) • 89 pages • 2024
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HUD EXAM 2023/2024 GRADED A WITH VERIFIED ANSWERS 
Telephone Customer Services: correct answerAssistance provided by the financial institution over the phone to help customers with banking complications. 
 
Mobile Banking: correct answerAllows clients to utilize banking services with mobile technology. Services often included in mobile banking include a view of up-to-date transactions, fund transfers, or remote check deposits. 
 
Overdraft Fee correct answerFee charged when an account does not h...
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HUD 2023-2024 Practice Exam Questions and Answers 100% Correct
- Exam (elaborations) • 33 pages • 2024
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HUD Practice Exam Questions and Answers 100% CorrectHUD Practice Exam Questions and Answers 100% CorrectHUD Practice Exam Questions and Answers 100% CorrectHUD Practice Exam Questions and Answers 100% CorrectA client, who is a divorced local school teacher, is interested in purchasing his first home. He wishes to stay in the same neighborhood where he now lives and to purchase a home in the low-$100,000 range. He currently leases a car for $435 a month and would like to buy a new car. The cl...
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HUD Housing Exam 2023-2024 Questions and Answers 100% Correct
- Exam (elaborations) • 10 pages • 2024
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HUD Housing Exam Questions and Answers 100% CorrectHUD Housing Exam Questions and Answers 100% CorrectHUD Housing Exam Questions and Answers 100% CorrectHUD Housing Exam Questions and Answers 100% CorrectHUD Housing Exam Questions and Answers 100% Correct 
Which document should the counselor review with the client to identify spending habits and track expenses: - ANSWER-Bank statement 
 
Which additional information would the housing counselor need to prepare a household budget for this cli...
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HUD EXAM PREP 2023-2024 WITH COMPLETE SOLUTIONS
- Exam (elaborations) • 21 pages • 2024
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HUD EXAM PREP WITH COMPLETE SOLUTIONS 
 
HUD EXAM PREP WITH COMPLETE SOLUTIONS 
 
HUD EXAM PREP WITH COMPLETE SOLUTIONS 
 
 
Types of Credit Used - ANSWER-Student loan or credit cards only 
 
FAKO scores - ANSWER-purchase score which are educational score 
 
Fair Credit Reporting Act FCRA - ANSWER-what is in file/dispute/remove 30 days/remove bad 7 yrs/bk 10 yrs/access limited/damages from violators/state rights
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HUD Housing Counseling Exam Accurate 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 Exam Prep Complete Questions & Answers(Latest Update 2024)
- Exam (elaborations) • 37 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 repor...
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HUD Certification Exam 2024 Questions and Answers (Graded A)
- Exam (elaborations) • 9 pages • 2024
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HUD Certification Exam 2024 Questions and Answers (Graded A) 
 
HUD Certification Exam 2024 Questions and Answers (Graded A) 
 
HUD Certification Exam 2024 Questions and Answers (Graded A) 
 
 
Deed Restrictions - ANSWER-Legally enforceable terms that govern the use of real estate 
 
Redlining - ANSWER-The practice of refusing to make residential loans or imposing more onerous terms on any loans made because of the predominant race, color, national origin, religion, sex, disability, or familial ...
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