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HUD Certification Exam Questions and
Answers
Deed Restrictions Ans: Legally enforceable terms that govern the
use of real estate
Redlining Ans: 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 Ans: 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?
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7 Ans: The Fair Housing Act, as amended, protects how many
characteristics?
Reasonable Modification Ans: 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 Ans: 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 Ans: The Fair Housing Act does not prohibit a lender from
showing potential clients information about different loans.
Fair Housing Assistance Program (FHAP) Ans: 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.
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Fair Housing Initiatives Program (FHIP) Ans: Provides funding to
fair housing organizations and nonprofits that assist people who
may have been victims of housing discrimination.
Marketing Analysis Ans: 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 Ans: 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 Ans: The section of the credit report that
contains employer details.
Account Information Ans: The section of a credit report that
contains information about a student loan.
Public Records Ans: The section of the credit report that contains
court information such as a bankruptcy.
Inquiries Ans: The section of the credit report that will show
recent attempts to open a credit card.
© 2025 All rights reserved
HUD Certification Exam Questions and
Answers
Deed Restrictions Ans: Legally enforceable terms that govern the
use of real estate
Redlining Ans: 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 Ans: 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?
© 2025 All rights reserved
, 2 | Page
7 Ans: The Fair Housing Act, as amended, protects how many
characteristics?
Reasonable Modification Ans: 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 Ans: 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 Ans: The Fair Housing Act does not prohibit a lender from
showing potential clients information about different loans.
Fair Housing Assistance Program (FHAP) Ans: 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.
© 2025 All rights reserved
, 3 | Page
Fair Housing Initiatives Program (FHIP) Ans: Provides funding to
fair housing organizations and nonprofits that assist people who
may have been victims of housing discrimination.
Marketing Analysis Ans: 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 Ans: 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 Ans: The section of the credit report that
contains employer details.
Account Information Ans: The section of a credit report that
contains information about a student loan.
Public Records Ans: The section of the credit report that contains
court information such as a bankruptcy.
Inquiries Ans: The section of the credit report that will show
recent attempts to open a credit card.
© 2025 All rights reserved
