MANUFACTURED HOUSING 2026
EXAMINATION TEST COMPLETE
QUESTIONS AND SOLUTIONS UPDATED
◉What is the maximum LTV for borrowers with a credit score below
500? Answer: Ineligible for FHA financing.
◉What is the maximum LTV for borrowers with a credit score
between 500-579? Answer: 90%.
◉What is the maximum LTV for borrowers with a credit score of
580+? Answer: 96.5%.
◉What does the Order prohibit? Answer: Discrimination in the sale,
leasing, rental, or other disposition of properties and facilities
owned or operated by the federal government or provided federal
funds.
◉What is the main purpose of the Civil Rights Act of 1964? Answer:
To prohibit discrimination on the basis of race, color, or national
origin in programs and activities that receive federal funding.
,◉What event prompted the Civil Rights Act of 1968? Answer: The
assassination of Martin Luther King Jr. and the unrest in black
ghettos due to past housing discrimination practices.
◉What does Title VIII of the Civil Rights Act of 1968 commonly refer
to? Answer: The Fair Housing Act.
◉What is the Housing and Urban Development Act of 1968 aimed
at? Answer: Expanding the availability of government secured home
loans to moderate-income families.
◉What significant amendments were made to the Fair Housing Act
in 1974 and 1988? Answer: 1974 amendment added sex as a
protected characteristic; 1988 amendment added disability and
familial status.
◉What is the role of HUD under the Fair Housing Act? Answer: To
enforce fair housing laws and provide guidance on housing
discrimination complaints.
◉What does the 2010 HUD guidance address? Answer: It provides
assistance to LGBT individuals and families facing housing
discrimination, treating gender identity discrimination as gender
discrimination.
,◉Who is considered an aggrieved person under the Fair Housing
Act? Answer: Any person who claims to have been injured by a
discriminatory housing practice based on a protected characteristic.
◉What are the seven protected characteristics under the Fair
Housing Act? Answer: Race, color, national origin, religion, sex,
disability, and familial status.
◉What does familial status discrimination involve? Answer:
Discrimination against individuals under 18 living with a parent or
legal custodian.
◉What are some prohibited practices in the sale or rental of
housing? Answer: Refusing to rent or sell, setting different terms or
conditions, producing discriminatory marketing, and falsely
representing availability.
◉What is blockbusting? Answer: Convincing a person to sell or rent
a dwelling due to the entry of a person or persons of a particular
race or characteristic into the neighborhood.
◉What constitutes a reasonable modification under the Fair
Housing Act? Answer: A structural modification made to allow
, persons with disabilities the full enjoyment of housing and related
facilities.
◉What is a reasonable accommodation under the Fair Housing Act?
Answer: A change in rules or policies to provide equal opportunity
for a person with a disability to use and enjoy a dwelling unit.
◉What are the design and construction requirements for
multifamily homes after March 13, 1991? Answer: Must contain
certain features to allow access by persons with disabilities,
including usable kitchens and bathrooms.
◉What exemptions exist under the Fair Housing Act? Answer:
Certain conditions may exempt housing sales and rental laws from
compliance with the Fair Housing Act.
◉What is the Single Family House Exemption? Answer: Owner
owns, sells, or rents the house; owns three or fewer single-family
homes; does not use a real estate broker; and does not engage in
discriminatory advertising.
◉What criteria must be met for the Mrs. Murphy Exemption?
Answer: The house must be occupied by no more than four families
living independently, and the owner must occupy one of the living
quarters.
EXAMINATION TEST COMPLETE
QUESTIONS AND SOLUTIONS UPDATED
◉What is the maximum LTV for borrowers with a credit score below
500? Answer: Ineligible for FHA financing.
◉What is the maximum LTV for borrowers with a credit score
between 500-579? Answer: 90%.
◉What is the maximum LTV for borrowers with a credit score of
580+? Answer: 96.5%.
◉What does the Order prohibit? Answer: Discrimination in the sale,
leasing, rental, or other disposition of properties and facilities
owned or operated by the federal government or provided federal
funds.
◉What is the main purpose of the Civil Rights Act of 1964? Answer:
To prohibit discrimination on the basis of race, color, or national
origin in programs and activities that receive federal funding.
,◉What event prompted the Civil Rights Act of 1968? Answer: The
assassination of Martin Luther King Jr. and the unrest in black
ghettos due to past housing discrimination practices.
◉What does Title VIII of the Civil Rights Act of 1968 commonly refer
to? Answer: The Fair Housing Act.
◉What is the Housing and Urban Development Act of 1968 aimed
at? Answer: Expanding the availability of government secured home
loans to moderate-income families.
◉What significant amendments were made to the Fair Housing Act
in 1974 and 1988? Answer: 1974 amendment added sex as a
protected characteristic; 1988 amendment added disability and
familial status.
◉What is the role of HUD under the Fair Housing Act? Answer: To
enforce fair housing laws and provide guidance on housing
discrimination complaints.
◉What does the 2010 HUD guidance address? Answer: It provides
assistance to LGBT individuals and families facing housing
discrimination, treating gender identity discrimination as gender
discrimination.
,◉Who is considered an aggrieved person under the Fair Housing
Act? Answer: Any person who claims to have been injured by a
discriminatory housing practice based on a protected characteristic.
◉What are the seven protected characteristics under the Fair
Housing Act? Answer: Race, color, national origin, religion, sex,
disability, and familial status.
◉What does familial status discrimination involve? Answer:
Discrimination against individuals under 18 living with a parent or
legal custodian.
◉What are some prohibited practices in the sale or rental of
housing? Answer: Refusing to rent or sell, setting different terms or
conditions, producing discriminatory marketing, and falsely
representing availability.
◉What is blockbusting? Answer: Convincing a person to sell or rent
a dwelling due to the entry of a person or persons of a particular
race or characteristic into the neighborhood.
◉What constitutes a reasonable modification under the Fair
Housing Act? Answer: A structural modification made to allow
, persons with disabilities the full enjoyment of housing and related
facilities.
◉What is a reasonable accommodation under the Fair Housing Act?
Answer: A change in rules or policies to provide equal opportunity
for a person with a disability to use and enjoy a dwelling unit.
◉What are the design and construction requirements for
multifamily homes after March 13, 1991? Answer: Must contain
certain features to allow access by persons with disabilities,
including usable kitchens and bathrooms.
◉What exemptions exist under the Fair Housing Act? Answer:
Certain conditions may exempt housing sales and rental laws from
compliance with the Fair Housing Act.
◉What is the Single Family House Exemption? Answer: Owner
owns, sells, or rents the house; owns three or fewer single-family
homes; does not use a real estate broker; and does not engage in
discriminatory advertising.
◉What criteria must be met for the Mrs. Murphy Exemption?
Answer: The house must be occupied by no more than four families
living independently, and the owner must occupy one of the living
quarters.
