HUD Certification Exam 2023 with complete solutions

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 status of the area's residents. Civil Rights Act of 1968 - ANSWER Following the assassination of Dr. Martin Luther King Jr., Congress passed what monumental piece of legislation, which prohibits discrimination in housing sales, rentals, and financing based on race, color, national origin, religion, sex, disability and familial status? 7 - ANSWER The Fair Housing Act, as amended, protects how many characteristics? Reasonable Modification - ANSWER A property manager of an apartment complex that receives federal financial assistance installs a ramp so that a tenant in a wheelchair can easily access her first-floor apartment. Reasonable Accommodation - ANSWER Housing provider has a policy of requiring tenants to come to the rental office to pay their rent. A tenant with a mental disability, who is afraid to leave her unit, is allowed to mail her rent payment. True - ANSWER The Fair Housing Act does not prohibit a lender from showing potential clients information about different loans. Fair Housing Assistance Program (FHAP) - ANSWER Provides annual funding to state and local agencies that enforce fair housing laws that are substantially equivalent to the Fair Housing Act. These funds go towards an agency's capacity building, administrative costs, investigative and enforcement efforts, training and other projects designed to support enforcement of fair housing law. Fair Housing Initiatives Program (FHIP) - ANSWER Provides funding to fair housing organizations and nonprofits that assist people who may have been victims of housing discrimination. Marketing Analysis - ANSWER Aim is to identify groups of people who would benefit most if targeted by the campaign, the characteristics of these people, and their expectations.