HUD Certification Exam 2023 Questions and Answer

Legally enforceable terms that govern the use of real estate - Correct Answer Deed Restrictions 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. - Correct Answer Redlining 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? - Correct Answer Civil Rights Act of 1968 The Fair Housing Act, as amended, protects how many characteristics? - Correct Answer 7 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. - Correct Answer Reasonable Modification 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. - Correct Answer Reasonable Accommodation The Fair Housing Act does not prohibit a lender from showing potential clients information about different loans. - Correct Answer True 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. - Correct Answer Fair Housing Assistance Program (FHAP) Provides funding to fair housing organizations and nonprofits that assist people who may have been victims of housing discrimination. - Correct Answer Fair Housing Initiatives Program (FHIP) Aim is to identify groups of people who would benefit most if targeted by the campaign, the characteristics of these people, and their expectations. - Correct Answer Marketing Analysis The opportunity to increase awareness of the plans and actions of housing industry members, private organizations and foundations, public housing agencies,