HUD Certification Exam questions and
answers 2026\2027 A+ Grade
Deed Restrictions
- correct answer Legally enforceable terms that govern the use of real estate
Redlining
- correct 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
- correct 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
- correct answer The Fair Housing Act, as amended, protects how many characteristics?
Reasonable Modification
- correct 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
- correct 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
- correct answer The Fair Housing Act does not prohibit a lender from showing potential clients
information about different loans.
, Fair Housing Assistance Program (FHAP)
- correct 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)
- correct answer Provides funding to fair housing organizations and nonprofits that assist people who
may have been victims of housing discrimination.
Marketing Analysis
- correct 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.
Networking Event
- correct answer The opportunity to increase awareness of the plans and actions of housing industry
members, private organizations and foundations, public housing agencies, neighborhood groups,
regional organizations, and others to further fair housing objectives.
Personal Information
- correct answer The section of the credit report that contains employer details.
Account Information
- correct answer The section of a credit report that contains information about a student loan.
Public Records
- correct answer The section of the credit report that contains court information such as a bankruptcy.
Inquiries
- correct answer The section of the credit report that will show recent attempts to open a credit card.
Consumer Rights
- correct answer The section of the credit report that contains information about how to correct
inaccuracies.
answers 2026\2027 A+ Grade
Deed Restrictions
- correct answer Legally enforceable terms that govern the use of real estate
Redlining
- correct 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
- correct 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
- correct answer The Fair Housing Act, as amended, protects how many characteristics?
Reasonable Modification
- correct 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
- correct 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
- correct answer The Fair Housing Act does not prohibit a lender from showing potential clients
information about different loans.
, Fair Housing Assistance Program (FHAP)
- correct 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)
- correct answer Provides funding to fair housing organizations and nonprofits that assist people who
may have been victims of housing discrimination.
Marketing Analysis
- correct 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.
Networking Event
- correct answer The opportunity to increase awareness of the plans and actions of housing industry
members, private organizations and foundations, public housing agencies, neighborhood groups,
regional organizations, and others to further fair housing objectives.
Personal Information
- correct answer The section of the credit report that contains employer details.
Account Information
- correct answer The section of a credit report that contains information about a student loan.
Public Records
- correct answer The section of the credit report that contains court information such as a bankruptcy.
Inquiries
- correct answer The section of the credit report that will show recent attempts to open a credit card.
Consumer Rights
- correct answer The section of the credit report that contains information about how to correct
inaccuracies.
