HUD HOUSING COUNSELOR CERTIFICATION CERTIFIED QUALITY
ACTUAL 2025/26 EXAM GRADED A+
Which tactic would be most effective for the client to encourage a
positive landlord-tenant experience during a tenant initiated
early lease termination?
A- stop paying rent immediately
B- request return of the security deposit
C- leave furniture for an incoming tenant
D- communicate well with the landlord <<<ANSWERS>>>d-
communicate well with the landlord
Which additional information would the housing counselor need
to prepare the action plan for this client?
A- documentation of life insurance payout
B- client's current lease agreement
C- documentation of household expenses
D- listings for properties the client is interested in purchasing
<<<ANSWERS>>>documentation of household expenses
Which is the best recommendation the housing counselor should
give this client to help improve her credit score?
A- set up automatic credit card and loan payments to ensure on
time payment
B- apply for a loan to consolidate the credit card and auto loan
balances
C- apply for a credit card with a lower interest rate and transfer
the balance of the current card
,D- pay more than the minimum payment each month to reduce
the credit card balance <<<ANSWERS>>>d- pay more than the
minimum payment each month to reduce the credit card balance
Which factor would most likely impact the client's housing
affordability in the future?
A- a reduction in income when the survivor benefit runs out
when children turn 18
B- the need for a second car when the children start to drive
C- selecting a 30-year fixed rate mortgage versus a 15-year
fixed rate mortgage
D- the cost of home repairs and maintenance <<<ANSWERS>>>a-
a reduction in income when the survivor benefit runs out when
children turn 18
The client currently pays $2,050 in rent, though her mortgage
payment could be higher. Which is the most
Effective strategy to be able to manage a higher payment?
A- withdraw retirement account funds to pay down car and
credit card balances
B- delay home purchase until the car loan is paid off
C- consolidate car loan and credit card balances
D- utilize savings to pay the mortgage in the future
<<<ANSWERS>>>b- delay home purchase until the car loan is paid
off
Which was instituted by congress to better protect home-buyers
following the most recent housing crisis?
A- federal trade commission
B- national mortgage settlement
,C- consumer finance protection bureau
D- truth in lending act <<<ANSWERS>>>c- consumer finance
protection bureau
Which initiative encourages housing counseling agencies to
advocate that lenders operate in underserved areas?
A- affirmatively furthering fair housing
B- fair housing initiatives program
C- fair housing testing program
D- fair housing assistance program <<<ANSWERS>>>a-
affirmatively furthering fair housing
Which action taken by a housing counseling agency would
affirmatively further fair housing?
A- report potential violations to the local fair housing authority
B- create an outreach campaign designed to raise awareness
about critical housing topics
C- accompany clients when viewing properties to ensure they
are treated fairly
D- discourage tenants from seeking housing with landlords who
appear to consistently engage in discriminatory practices
<<<ANSWERS>>>b- create an outreach campaign designed to
raise awareness about critical housing topics
Which section of a credit report shows a client's payment
history? <<<ANSWERS>>>account information
Which is the maximum payment (rounded to the nearest dollar)
for principal, interest, taxes, insurance, and association fees
(pitia) this client can afford according to fha back-end ratio
guidelines?
, Assets, $58200, total gross monthly income $6400 debt
expenses $615, household expenses $4679 <<<ANSWERS>>>$2137
Note: the back-end ratio includes total principal, interest, taxes,
and insurance, plus other monthly debt. The maximum back-end
ratio for fha is 43%. The client's total monthly income is $6,400,
and her total monthly debt is $615. Forty-three percent of $6,400
is $2,752. Subtracting the total monthly debt from $2,752, the
remainder is $2,137, which is the maximum total principal,
interest, taxes, insurance, and association fees (pitia) payment.
Reference: module 2.1 renting vs. Buying
Page number 21 to 24
Which is the down payment required if the client purchases a
$375,000 home with an fha mortgage? <<<ANSWERS>>>$13,125
Note: the down payment would be 3.5% of the $375,000 purchase
price, which is $13,125 ($375,000 multiplied by 0.035 equals
$13,125).
The client attempted to purchase a condo six months ago but
was denied. The mortgage required a minimum credit score of
640, 3% down payment and a 35% front-end ratio and a 43%
back-end ratio. The purchase price was $225,000 with a down
payment of $45,000, monthly principal and interest payment of
$939, property taxes of $196 and a homeowner association fee of
$228 for a total monthly payment of $1,363. During the intake
process, she was asked about her children and her
responsibilities as a mother. Which government rule or
regulation may have been violated when the loan officer denied
the loan for the
Condo? <<<ANSWERS>>>fair housing act
ACTUAL 2025/26 EXAM GRADED A+
Which tactic would be most effective for the client to encourage a
positive landlord-tenant experience during a tenant initiated
early lease termination?
A- stop paying rent immediately
B- request return of the security deposit
C- leave furniture for an incoming tenant
D- communicate well with the landlord <<<ANSWERS>>>d-
communicate well with the landlord
Which additional information would the housing counselor need
to prepare the action plan for this client?
A- documentation of life insurance payout
B- client's current lease agreement
C- documentation of household expenses
D- listings for properties the client is interested in purchasing
<<<ANSWERS>>>documentation of household expenses
Which is the best recommendation the housing counselor should
give this client to help improve her credit score?
A- set up automatic credit card and loan payments to ensure on
time payment
B- apply for a loan to consolidate the credit card and auto loan
balances
C- apply for a credit card with a lower interest rate and transfer
the balance of the current card
,D- pay more than the minimum payment each month to reduce
the credit card balance <<<ANSWERS>>>d- pay more than the
minimum payment each month to reduce the credit card balance
Which factor would most likely impact the client's housing
affordability in the future?
A- a reduction in income when the survivor benefit runs out
when children turn 18
B- the need for a second car when the children start to drive
C- selecting a 30-year fixed rate mortgage versus a 15-year
fixed rate mortgage
D- the cost of home repairs and maintenance <<<ANSWERS>>>a-
a reduction in income when the survivor benefit runs out when
children turn 18
The client currently pays $2,050 in rent, though her mortgage
payment could be higher. Which is the most
Effective strategy to be able to manage a higher payment?
A- withdraw retirement account funds to pay down car and
credit card balances
B- delay home purchase until the car loan is paid off
C- consolidate car loan and credit card balances
D- utilize savings to pay the mortgage in the future
<<<ANSWERS>>>b- delay home purchase until the car loan is paid
off
Which was instituted by congress to better protect home-buyers
following the most recent housing crisis?
A- federal trade commission
B- national mortgage settlement
,C- consumer finance protection bureau
D- truth in lending act <<<ANSWERS>>>c- consumer finance
protection bureau
Which initiative encourages housing counseling agencies to
advocate that lenders operate in underserved areas?
A- affirmatively furthering fair housing
B- fair housing initiatives program
C- fair housing testing program
D- fair housing assistance program <<<ANSWERS>>>a-
affirmatively furthering fair housing
Which action taken by a housing counseling agency would
affirmatively further fair housing?
A- report potential violations to the local fair housing authority
B- create an outreach campaign designed to raise awareness
about critical housing topics
C- accompany clients when viewing properties to ensure they
are treated fairly
D- discourage tenants from seeking housing with landlords who
appear to consistently engage in discriminatory practices
<<<ANSWERS>>>b- create an outreach campaign designed to
raise awareness about critical housing topics
Which section of a credit report shows a client's payment
history? <<<ANSWERS>>>account information
Which is the maximum payment (rounded to the nearest dollar)
for principal, interest, taxes, insurance, and association fees
(pitia) this client can afford according to fha back-end ratio
guidelines?
, Assets, $58200, total gross monthly income $6400 debt
expenses $615, household expenses $4679 <<<ANSWERS>>>$2137
Note: the back-end ratio includes total principal, interest, taxes,
and insurance, plus other monthly debt. The maximum back-end
ratio for fha is 43%. The client's total monthly income is $6,400,
and her total monthly debt is $615. Forty-three percent of $6,400
is $2,752. Subtracting the total monthly debt from $2,752, the
remainder is $2,137, which is the maximum total principal,
interest, taxes, insurance, and association fees (pitia) payment.
Reference: module 2.1 renting vs. Buying
Page number 21 to 24
Which is the down payment required if the client purchases a
$375,000 home with an fha mortgage? <<<ANSWERS>>>$13,125
Note: the down payment would be 3.5% of the $375,000 purchase
price, which is $13,125 ($375,000 multiplied by 0.035 equals
$13,125).
The client attempted to purchase a condo six months ago but
was denied. The mortgage required a minimum credit score of
640, 3% down payment and a 35% front-end ratio and a 43%
back-end ratio. The purchase price was $225,000 with a down
payment of $45,000, monthly principal and interest payment of
$939, property taxes of $196 and a homeowner association fee of
$228 for a total monthly payment of $1,363. During the intake
process, she was asked about her children and her
responsibilities as a mother. Which government rule or
regulation may have been violated when the loan officer denied
the loan for the
Condo? <<<ANSWERS>>>fair housing act
