HUD Certification Exam 2026 Questions
and Answers
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?
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,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.
©COPYRIGHT 2025 ALL RIGHTS RESERVED 2
, 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.
©COPYRIGHT 2025 ALL RIGHTS RESERVED 3
and Answers
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?
©COPYRIGHT 2025 ALL RIGHTS RESERVED 1
,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.
©COPYRIGHT 2025 ALL RIGHTS RESERVED 2
, 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.
©COPYRIGHT 2025 ALL RIGHTS RESERVED 3
