NSPIRE EXAM STUDY GUIDE 2026
COMPLETE QUESTIONS WITH
CORRECT DETAILED ANSWERS ||
100% GUARANTEED PASS
<RECENT VERSION>
1. What does "NSPIRE" stand for? - ANSWER ✔ National Standards for the
Physical Inspection of Real Estate
2. What is the motto for NSPIRE? - ANSWER ✔ Safe and Habitable
Dwellings
3. What is an ACC? - ANSWER ✔ Annual Contributions Contract
4. Who is an Annual Contributions Contract between? - ANSWER ✔ HUD
and the PHA
5. What is the purpose of an ACC? - ANSWER ✔ It provides funding for the
PHA
6. What is between the PHA and the landlord? - ANSWER ✔ the HAP
contract
7. What is between the PHA and the tenant? - ANSWER ✔ the voucher
,8. When is NSPIRE fully implemented? - ANSWER ✔ October 1st, 2024
9. Does HUD need to review all Admin plans? - ANSWER ✔ Yes
10.What are the three inspectable areas under NSPIRE? - ANSWER ✔ 1. the
Unit
2. the Inside
3. the Outside
11.Is the site and neighborhood inspected under NSPIRE? - ANSWER ✔ No
12.Are affirmative habitability requirements inspected under NSPIRE? -
ANSWER ✔ Yes
13.Are affirmative habitability requirements currently enforceable? - ANSWER
✔ No
14.When do affirmative habitability requirements become enforceable? -
ANSWER ✔ October 1st, 2024
15.What percentage of discoloration in the area of a tub is considered a
deficiency? - ANSWER ✔ 50%
16.What two rooms require safe drinking water? - ANSWER ✔ Bathroom and
Kitchen
,17.what percentage of cabinets must be damaged or missing to be considered a
deficiency? - ANSWER ✔ 50%
18.When is a handrail required on both sides of a ramp? - ANSWER ✔ When a
ramp has risen greater than 6 inches OR horizontal projection greater than
72 inches.
19.What time frame is a defiency present when a unit is 64 degrees or below
during an inspection? - ANSWER ✔ October 1st-March 31st
20.If a light bulb is _____________ the POA may change it during the
inspection, but if a light bulb is _____________ that would result in a
defiency. - ANSWER ✔ If a light bulb is present the POA may change it
during the inspection, but if a light bulb is missing that would result in a
defiency.
21.What is the 10x10x10 rule for litter and what is the exception? - ANSWER
✔ 10 small items of litter NOT in the unit X
10 ft by 10 ft area not designated for garbage.
OR one large item
22.A Sprinkler Head cannot be encased or obstructed within ____inches of the
head. - ANSWER ✔ 18 inches
23.Which document is most important when working with a client to develop
an initial budget as part of a Client Action Plan? - ANSWER ✔ Pay Stub
, 24.A client would like to purchase a home within one year. The client is
motivated to increase household income as a way to save for a down
payment and qualify for a loan. Which is the
best solution for the client to reach this goal? - ANSWER ✔ Find a second
job
25.A credit report may contain which information? - ANSWER ✔ The number
of accounts in collection status
26.Six months ago a client left a job as a reporter to start a
business in the retail industry. To prepare to buy a house, the client closed
credit card accounts and has been using savings to
pay down credit card debt and collections. The client has not
been able to save much for a down payment with all the debt
payments but knows about an affordable homeownership
program that only requires a 1% down payment with an FHA
loan. What might result from the client closing the credit card
accounts? - ANSWER ✔ It increases credit utilization, causing a negative
impact on the credit
score.
27.Which action would a client take to improve a credit score? - ANSWER ✔
Pay delinquent accounts
28.A client does not receive a written monthly statement from the credit card
company. Which credit law could this omission violate? - ANSWER ✔ Fair
Credit Billing Act
29.A client shopping for a mortgage loan presents a housing counselor with an
offer from a local mortgage lender. The interest rate on the offer is 7.5% for
a 30-year fixed rate mortgage with a 20% down payment required. The
COMPLETE QUESTIONS WITH
CORRECT DETAILED ANSWERS ||
100% GUARANTEED PASS
<RECENT VERSION>
1. What does "NSPIRE" stand for? - ANSWER ✔ National Standards for the
Physical Inspection of Real Estate
2. What is the motto for NSPIRE? - ANSWER ✔ Safe and Habitable
Dwellings
3. What is an ACC? - ANSWER ✔ Annual Contributions Contract
4. Who is an Annual Contributions Contract between? - ANSWER ✔ HUD
and the PHA
5. What is the purpose of an ACC? - ANSWER ✔ It provides funding for the
PHA
6. What is between the PHA and the landlord? - ANSWER ✔ the HAP
contract
7. What is between the PHA and the tenant? - ANSWER ✔ the voucher
,8. When is NSPIRE fully implemented? - ANSWER ✔ October 1st, 2024
9. Does HUD need to review all Admin plans? - ANSWER ✔ Yes
10.What are the three inspectable areas under NSPIRE? - ANSWER ✔ 1. the
Unit
2. the Inside
3. the Outside
11.Is the site and neighborhood inspected under NSPIRE? - ANSWER ✔ No
12.Are affirmative habitability requirements inspected under NSPIRE? -
ANSWER ✔ Yes
13.Are affirmative habitability requirements currently enforceable? - ANSWER
✔ No
14.When do affirmative habitability requirements become enforceable? -
ANSWER ✔ October 1st, 2024
15.What percentage of discoloration in the area of a tub is considered a
deficiency? - ANSWER ✔ 50%
16.What two rooms require safe drinking water? - ANSWER ✔ Bathroom and
Kitchen
,17.what percentage of cabinets must be damaged or missing to be considered a
deficiency? - ANSWER ✔ 50%
18.When is a handrail required on both sides of a ramp? - ANSWER ✔ When a
ramp has risen greater than 6 inches OR horizontal projection greater than
72 inches.
19.What time frame is a defiency present when a unit is 64 degrees or below
during an inspection? - ANSWER ✔ October 1st-March 31st
20.If a light bulb is _____________ the POA may change it during the
inspection, but if a light bulb is _____________ that would result in a
defiency. - ANSWER ✔ If a light bulb is present the POA may change it
during the inspection, but if a light bulb is missing that would result in a
defiency.
21.What is the 10x10x10 rule for litter and what is the exception? - ANSWER
✔ 10 small items of litter NOT in the unit X
10 ft by 10 ft area not designated for garbage.
OR one large item
22.A Sprinkler Head cannot be encased or obstructed within ____inches of the
head. - ANSWER ✔ 18 inches
23.Which document is most important when working with a client to develop
an initial budget as part of a Client Action Plan? - ANSWER ✔ Pay Stub
, 24.A client would like to purchase a home within one year. The client is
motivated to increase household income as a way to save for a down
payment and qualify for a loan. Which is the
best solution for the client to reach this goal? - ANSWER ✔ Find a second
job
25.A credit report may contain which information? - ANSWER ✔ The number
of accounts in collection status
26.Six months ago a client left a job as a reporter to start a
business in the retail industry. To prepare to buy a house, the client closed
credit card accounts and has been using savings to
pay down credit card debt and collections. The client has not
been able to save much for a down payment with all the debt
payments but knows about an affordable homeownership
program that only requires a 1% down payment with an FHA
loan. What might result from the client closing the credit card
accounts? - ANSWER ✔ It increases credit utilization, causing a negative
impact on the credit
score.
27.Which action would a client take to improve a credit score? - ANSWER ✔
Pay delinquent accounts
28.A client does not receive a written monthly statement from the credit card
company. Which credit law could this omission violate? - ANSWER ✔ Fair
Credit Billing Act
29.A client shopping for a mortgage loan presents a housing counselor with an
offer from a local mortgage lender. The interest rate on the offer is 7.5% for
a 30-year fixed rate mortgage with a 20% down payment required. The
