HUD CERTIFICATION EXAM QUESTIONS
WITH CORRECT ANSWERS 2025
DeedRRestrictionsR-RCORRECTRANSWERR-LegallyRenforceableRtermsRthatRgovernRtheRuseRofRrealRestate
RedliningR-RCORRECTRANSWERR-
TheRpracticeRofRrefusingRtoRmakeRresidentialRloansRorRimposingRmoreRonerousRtermsRonRanyRloansRmadeRb
ecauseRofRtheRpredominantRrace,Rcolor,RnationalRorigin,Rreligion,Rsex,Rdisability,RorRfamilialRstatusRofRtheRar
ea'sRresidents.
CivilRRightsRActRofR1968R-RCORRECTRANSWERR-
FollowingRtheRassassinationRofRDr.RMartinRLutherRKingRJr.,RCongressRpassedRwhatRmonumentalRpieceRofRleg
islation,RwhichRprohibitsRdiscriminationRinRhousingRsales,Rrentals,RandRfinancingRbasedRonRrace,Rcolor,Rnati
onalRorigin,Rreligion,Rsex,RdisabilityRandRfamilialRstatus?
7R-RCORRECTRANSWERR-TheRFairRHousingRAct,RasRamended,RprotectsRhowRmanyRcharacteristics?
ReasonableRModificationR-RCORRECTRANSWERR-
ARpropertyRmanagerRofRanRapartmentRcomplexRthatRreceivesRfederalRfinancialRassistanceRinstallsRaRrampRs
oRthatRaRtenantRinRaRwheelchairRcanReasilyRaccessRherRfirst-floorRapartment.
ReasonableRAccommodationR-RCORRECTRANSWERR-
HousingRproviderRhasRaRpolicyRofRrequiringRtenantsRtoRcomeRtoRtheRrentalRofficeRtoRpayRtheirRrent.RARtenan
tRwithRaRmentalRdisability,RwhoRisRafraidRtoRleaveRherRunit,RisRallowedRtoRmailRherRrentRpayment.
TrueR-RCORRECTRANSWERR-
TheRFairRHousingRActRdoesRnotRprohibitRaRlenderRfromRshowingRpotentialRclientsRinformationRaboutRdiffere
ntRloans.
FairRHousingRAssistanceRProgramR(FHAP)R-RCORRECTRANSWERR-
ProvidesRannualRfundingRtoRstateRandRlocalRagenciesRthatRenforceRfairRhousingRlawsRthatRareRsubstantiallyR
equivalentRtoRtheRFairRHousingRAct.RTheseRfundsRgoRtowardsRanRagency'sRcapacityRbuilding,Radministrative
Rcosts,RinvestigativeRandRenforcementRefforts,RtrainingRandRotherRprojectsRdesignedRtoRsupportRenforceme
ntRofRfairRhousingRlaw.
, FairRHousingRInitiativesRProgramR(FHIP)R-RCORRECTRANSWERR-
ProvidesRfundingRtoRfairRhousingRorganizationsRandRnonprofitsRthatRassistRpeopleRwhoRmayRhaveRbeenRvict
imsRofRhousingRdiscrimination.
MarketingRAnalysisR-RCORRECTRANSWERR-
AimRisRtoRidentifyRgroupsRofRpeopleRwhoRwouldRbenefitRmostRifRtargetedRbyRtheRcampaign,RtheRcharacteris
ticsRofRtheseRpeople,RandRtheirRexpectations.
NetworkingREventR-RCORRECTRANSWERR-
TheRopportunityRtoRincreaseRawarenessRofRtheRplansRandRactionsRofRhousingRindustryRmembers,RprivateRor
ganizationsRandRfoundations,RpublicRhousingRagencies,RneighborhoodRgroups,RregionalRorganizations,RandR
othersRtoRfurtherRfairRhousingRobjectives.
PersonalRInformationR-RCORRECTRANSWERR-
TheRsectionRofRtheRcreditRreportRthatRcontainsRemployerRdetails.
AccountRInformationR-RCORRECTRANSWERR-
TheRsectionRofRaRcreditRreportRthatRcontainsRinformationRaboutRaRstudentRloan.
PublicRRecordsR-RCORRECTRANSWERR-
TheRsectionRofRtheRcreditRreportRthatRcontainsRcourtRinformationRsuchRasRaRbankruptcy.
InquiriesR-RCORRECTRANSWERR-
TheRsectionRofRtheRcreditRreportRthatRwillRshowRrecentRattemptsRtoRopenRaRcreditRcard.
ConsumerRRightsR-RCORRECTRANSWERR-
TheRsectionRofRtheRcreditRreportRthatRcontainsRinformationRaboutRhowRtoRcorrectRinaccuracies.
AccountRHistoryR-RCORRECTRANSWERR-
Credit:RPaymentRhistoryRofRaccounts,RincludingRlateRpayments,Rdelinquencies,Rjudgments,RandRliens.
AmountsROwedR-RCORRECTRANSWERR-
Credit:RRatioRofRtotalRcreditRextendedRtoRtheRamountRofRcreditRowed.
WITH CORRECT ANSWERS 2025
DeedRRestrictionsR-RCORRECTRANSWERR-LegallyRenforceableRtermsRthatRgovernRtheRuseRofRrealRestate
RedliningR-RCORRECTRANSWERR-
TheRpracticeRofRrefusingRtoRmakeRresidentialRloansRorRimposingRmoreRonerousRtermsRonRanyRloansRmadeRb
ecauseRofRtheRpredominantRrace,Rcolor,RnationalRorigin,Rreligion,Rsex,Rdisability,RorRfamilialRstatusRofRtheRar
ea'sRresidents.
CivilRRightsRActRofR1968R-RCORRECTRANSWERR-
FollowingRtheRassassinationRofRDr.RMartinRLutherRKingRJr.,RCongressRpassedRwhatRmonumentalRpieceRofRleg
islation,RwhichRprohibitsRdiscriminationRinRhousingRsales,Rrentals,RandRfinancingRbasedRonRrace,Rcolor,Rnati
onalRorigin,Rreligion,Rsex,RdisabilityRandRfamilialRstatus?
7R-RCORRECTRANSWERR-TheRFairRHousingRAct,RasRamended,RprotectsRhowRmanyRcharacteristics?
ReasonableRModificationR-RCORRECTRANSWERR-
ARpropertyRmanagerRofRanRapartmentRcomplexRthatRreceivesRfederalRfinancialRassistanceRinstallsRaRrampRs
oRthatRaRtenantRinRaRwheelchairRcanReasilyRaccessRherRfirst-floorRapartment.
ReasonableRAccommodationR-RCORRECTRANSWERR-
HousingRproviderRhasRaRpolicyRofRrequiringRtenantsRtoRcomeRtoRtheRrentalRofficeRtoRpayRtheirRrent.RARtenan
tRwithRaRmentalRdisability,RwhoRisRafraidRtoRleaveRherRunit,RisRallowedRtoRmailRherRrentRpayment.
TrueR-RCORRECTRANSWERR-
TheRFairRHousingRActRdoesRnotRprohibitRaRlenderRfromRshowingRpotentialRclientsRinformationRaboutRdiffere
ntRloans.
FairRHousingRAssistanceRProgramR(FHAP)R-RCORRECTRANSWERR-
ProvidesRannualRfundingRtoRstateRandRlocalRagenciesRthatRenforceRfairRhousingRlawsRthatRareRsubstantiallyR
equivalentRtoRtheRFairRHousingRAct.RTheseRfundsRgoRtowardsRanRagency'sRcapacityRbuilding,Radministrative
Rcosts,RinvestigativeRandRenforcementRefforts,RtrainingRandRotherRprojectsRdesignedRtoRsupportRenforceme
ntRofRfairRhousingRlaw.
, FairRHousingRInitiativesRProgramR(FHIP)R-RCORRECTRANSWERR-
ProvidesRfundingRtoRfairRhousingRorganizationsRandRnonprofitsRthatRassistRpeopleRwhoRmayRhaveRbeenRvict
imsRofRhousingRdiscrimination.
MarketingRAnalysisR-RCORRECTRANSWERR-
AimRisRtoRidentifyRgroupsRofRpeopleRwhoRwouldRbenefitRmostRifRtargetedRbyRtheRcampaign,RtheRcharacteris
ticsRofRtheseRpeople,RandRtheirRexpectations.
NetworkingREventR-RCORRECTRANSWERR-
TheRopportunityRtoRincreaseRawarenessRofRtheRplansRandRactionsRofRhousingRindustryRmembers,RprivateRor
ganizationsRandRfoundations,RpublicRhousingRagencies,RneighborhoodRgroups,RregionalRorganizations,RandR
othersRtoRfurtherRfairRhousingRobjectives.
PersonalRInformationR-RCORRECTRANSWERR-
TheRsectionRofRtheRcreditRreportRthatRcontainsRemployerRdetails.
AccountRInformationR-RCORRECTRANSWERR-
TheRsectionRofRaRcreditRreportRthatRcontainsRinformationRaboutRaRstudentRloan.
PublicRRecordsR-RCORRECTRANSWERR-
TheRsectionRofRtheRcreditRreportRthatRcontainsRcourtRinformationRsuchRasRaRbankruptcy.
InquiriesR-RCORRECTRANSWERR-
TheRsectionRofRtheRcreditRreportRthatRwillRshowRrecentRattemptsRtoRopenRaRcreditRcard.
ConsumerRRightsR-RCORRECTRANSWERR-
TheRsectionRofRtheRcreditRreportRthatRcontainsRinformationRaboutRhowRtoRcorrectRinaccuracies.
AccountRHistoryR-RCORRECTRANSWERR-
Credit:RPaymentRhistoryRofRaccounts,RincludingRlateRpayments,Rdelinquencies,Rjudgments,RandRliens.
AmountsROwedR-RCORRECTRANSWERR-
Credit:RRatioRofRtotalRcreditRextendedRtoRtheRamountRofRcreditRowed.
