HUD CERTIFICATION EXAMINATION
TEST (UPDATED 2026) QUESTIONS AND
VERIFIED ANSWERS|| LATEST!!
Deed Restrictions -CORRECTANSWER Legally enforceable terms that govern the use
of real estate
Redlining -CORRECTANSWER 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 -CORRECTANSWER 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 -CORRECTANSWER The Fair Housing Act, as amended, protects how many
characteristics?
Reasonable Modification -CORRECTANSWER 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 -CORRECTANSWER 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 -CORRECTANSWER The Fair Housing Act does not prohibit a lender from
showing potential clients information about different loans.
Fair Housing Assistance Program (FHAP) -CORRECTANSWER 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) -CORRECTANSWER Provides funding to fair
housing organizations and nonprofits that assist people who may have been victims of
housing discrimination.
Marketing Analysis -CORRECTANSWER 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 -CORRECTANSWER 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 -CORRECTANSWER The section of the credit report that
contains employer details.
Account Information -CORRECTANSWER The section of a credit report that contains
information about a student loan.
Public Records -CORRECTANSWER The section of the credit report that contains
court information such as a bankruptcy.
Inquiries -CORRECTANSWER The section of the credit report that will show recent
attempts to open a credit card.
Consumer Rights -CORRECTANSWER The section of the credit report that contains
information about how to correct inaccuracies.
Account History -CORRECTANSWER Credit: Payment history of accounts, including
late payments, delinquencies, judgments, and liens.
Amounts Owed -CORRECTANSWER Credit: Ratio of total credit extended to the
amount of credit owed.
TEST (UPDATED 2026) QUESTIONS AND
VERIFIED ANSWERS|| LATEST!!
Deed Restrictions -CORRECTANSWER Legally enforceable terms that govern the use
of real estate
Redlining -CORRECTANSWER 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 -CORRECTANSWER 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 -CORRECTANSWER The Fair Housing Act, as amended, protects how many
characteristics?
Reasonable Modification -CORRECTANSWER 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 -CORRECTANSWER 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 -CORRECTANSWER The Fair Housing Act does not prohibit a lender from
showing potential clients information about different loans.
Fair Housing Assistance Program (FHAP) -CORRECTANSWER 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) -CORRECTANSWER Provides funding to fair
housing organizations and nonprofits that assist people who may have been victims of
housing discrimination.
Marketing Analysis -CORRECTANSWER 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 -CORRECTANSWER 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 -CORRECTANSWER The section of the credit report that
contains employer details.
Account Information -CORRECTANSWER The section of a credit report that contains
information about a student loan.
Public Records -CORRECTANSWER The section of the credit report that contains
court information such as a bankruptcy.
Inquiries -CORRECTANSWER The section of the credit report that will show recent
attempts to open a credit card.
Consumer Rights -CORRECTANSWER The section of the credit report that contains
information about how to correct inaccuracies.
Account History -CORRECTANSWER Credit: Payment history of accounts, including
late payments, delinquencies, judgments, and liens.
Amounts Owed -CORRECTANSWER Credit: Ratio of total credit extended to the
amount of credit owed.
