HUD CERTIFICATION EXAM WITH
QUALIFIED QUESTIONS AND
ANSWERS 2026
Deed Restrictions - ANSWER-Legally enforceable terms that govern the use of real estate
Redlining - 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 - 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 - ANSWER-The Fair Housing Act, as amended, protects how many characteristics?
Reasonable Modification - 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 - 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 - ANSWER-The Fair Housing Act does not prohibit a lender from showing potential clients
information about different loans.
Fair Housing Assistance Program (FHAP) - 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) - ANSWER-Provides funding to fair housing organizations and
nonprofits that assist people who may have been victims of housing discrimination.
Marketing Analysis - 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 - 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 - ANSWER-The section of the credit report that contains employer details.
Account Information - ANSWER-The section of a credit report that contains information about a student
loan.
Public Records - ANSWER-The section of the credit report that contains court information such as a
bankruptcy.
Inquiries - ANSWER-The section of the credit report that will show recent attempts to open a credit card.
Consumer Rights - ANSWER-The section of the credit report that contains information about how to
correct inaccuracies.
Account History - ANSWER-Credit: Payment history of accounts, including late payments, delinquencies,
judgments, and liens.
QUALIFIED QUESTIONS AND
ANSWERS 2026
Deed Restrictions - ANSWER-Legally enforceable terms that govern the use of real estate
Redlining - 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 - 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 - ANSWER-The Fair Housing Act, as amended, protects how many characteristics?
Reasonable Modification - 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 - 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 - ANSWER-The Fair Housing Act does not prohibit a lender from showing potential clients
information about different loans.
Fair Housing Assistance Program (FHAP) - 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) - ANSWER-Provides funding to fair housing organizations and
nonprofits that assist people who may have been victims of housing discrimination.
Marketing Analysis - 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 - 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 - ANSWER-The section of the credit report that contains employer details.
Account Information - ANSWER-The section of a credit report that contains information about a student
loan.
Public Records - ANSWER-The section of the credit report that contains court information such as a
bankruptcy.
Inquiries - ANSWER-The section of the credit report that will show recent attempts to open a credit card.
Consumer Rights - ANSWER-The section of the credit report that contains information about how to
correct inaccuracies.
Account History - ANSWER-Credit: Payment history of accounts, including late payments, delinquencies,
judgments, and liens.
