Fair Housing -HUD Exam | Questions
with 100% Correct Verified Answers
A mortgage lender denies a home loan to an applicant with a disability because his
credit score is too low and approves an applicant without a disability that has a higher
credit score.
A. This is a legal practice
B. This is a prohibited practice - ANSWER A. Legal practice
-If an applicant needs additional insurance for flood coverage, the policy will likely be
more expensive. It is not an unlawful practice to charge more for additional coverage, as
long as the charge is not based on race, color, national origin, religion, sex, disability, or
familial status.
A home insurance company offers female applicants policies that are sub-standard and
not competitive with the market but offers male applicants standard policies with
competitive terms.
A. This is a legal practice
B. This is a prohibited practice - ANSWER B. Prohibited practice
- The home insurance company cannot set different terms and conditions based on any
of the protected characteristics.
A mortgage lender offers steeper interest rates and different terms and conditions to
borrowers who are Native American that to those who are white. A. This is a legal
practice.
, B. This is a prohibited practice. - ANSWER B. Prohibited practice
-The lender cannot set different rates, terms, and conditions based on race.
Which HUD program 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 toward an agency's capacity building, administrative costs, investigative and
enforcement efforts, training, and other projects designed to support enforcement of
fair housing laws.
A. Fair Housing Initiatives Program (FHIP)
B. Fair Housing Assistance Program (FHAP) - ANSWER B. Fair Housing Assistance
Program (FHAP)
Which HUD program provides funding to fair housing organizations and nonprofits
that assist people who may have been victims of housing discrimination? A. Fair
Housing Initiatives Program (FHIP)
B. Fair Housing Assistance Program (FHAP) - ANSWER A. Fair Housing Initiatives
Program (FHIP)
All are examples of how entities that participate in HUD housing or urban
development programs can affirmatively further fair housing, except:
A. Issue an order for relief if it is found that an organization has engaged, or is about
to engage, in a discriminatory housing practice.
B. Strategically market available housing to persons less likely to apply.
C. Examine its programs or proposed programs and identify and impediments to fair
housing choice within those programs.
D. Pursue affirmative fair housing marketing policies in soliciting buyers and tenants for
providers of all types of housing in a jurisdiction. - ANSWER A. Issue an order for relief
if it is found that an organization has engaged, or is about to engage, in a discriminatory
housing practice.
-Issuing an order for relief is the responsibility of an administrative law judge of
the district court, not of entities that participate in HUD programs.
with 100% Correct Verified Answers
A mortgage lender denies a home loan to an applicant with a disability because his
credit score is too low and approves an applicant without a disability that has a higher
credit score.
A. This is a legal practice
B. This is a prohibited practice - ANSWER A. Legal practice
-If an applicant needs additional insurance for flood coverage, the policy will likely be
more expensive. It is not an unlawful practice to charge more for additional coverage, as
long as the charge is not based on race, color, national origin, religion, sex, disability, or
familial status.
A home insurance company offers female applicants policies that are sub-standard and
not competitive with the market but offers male applicants standard policies with
competitive terms.
A. This is a legal practice
B. This is a prohibited practice - ANSWER B. Prohibited practice
- The home insurance company cannot set different terms and conditions based on any
of the protected characteristics.
A mortgage lender offers steeper interest rates and different terms and conditions to
borrowers who are Native American that to those who are white. A. This is a legal
practice.
, B. This is a prohibited practice. - ANSWER B. Prohibited practice
-The lender cannot set different rates, terms, and conditions based on race.
Which HUD program 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 toward an agency's capacity building, administrative costs, investigative and
enforcement efforts, training, and other projects designed to support enforcement of
fair housing laws.
A. Fair Housing Initiatives Program (FHIP)
B. Fair Housing Assistance Program (FHAP) - ANSWER B. Fair Housing Assistance
Program (FHAP)
Which HUD program provides funding to fair housing organizations and nonprofits
that assist people who may have been victims of housing discrimination? A. Fair
Housing Initiatives Program (FHIP)
B. Fair Housing Assistance Program (FHAP) - ANSWER A. Fair Housing Initiatives
Program (FHIP)
All are examples of how entities that participate in HUD housing or urban
development programs can affirmatively further fair housing, except:
A. Issue an order for relief if it is found that an organization has engaged, or is about
to engage, in a discriminatory housing practice.
B. Strategically market available housing to persons less likely to apply.
C. Examine its programs or proposed programs and identify and impediments to fair
housing choice within those programs.
D. Pursue affirmative fair housing marketing policies in soliciting buyers and tenants for
providers of all types of housing in a jurisdiction. - ANSWER A. Issue an order for relief
if it is found that an organization has engaged, or is about to engage, in a discriminatory
housing practice.
-Issuing an order for relief is the responsibility of an administrative law judge of
the district court, not of entities that participate in HUD programs.
