HUD Housing Counselor Certification Practice /
Expert Verified Actual Questions & Answers for
Guaranteed Pass | Newest Update, 2025-2026.
Terms in this set (127)
What is the maximum 50%
percent of area median
income allowable for a
household to qualify for a
Housing Choice Voucher?
Which is the maximum 30%
recommended housing
ratio for renting an
apartment?
Eligibility requirements for Income, home-buyer education, purchase price
down-payment assistance
programs include which
factors?
The client is considering an 1.75%
FHA mortgage. What is the
upfront mortgage insurance
premium
(UFMIP) for an
FHA mortgage?
,If the client was denied a Contact the Federal Trade Commission as the lender's action might
mortgage loan and the violate the Equal Credit Opportunity Act
lender told him to come back
after his divorce had been
final for three years, what is
the best advice for the
housing counselor to provide
to the client to report a
violation to
ECOA?
A question from a lender on Inappropriate
the client's Medical History
would be inappropriate or
appropriate?
Who is responsible for Housing Counselor
educating home-buyers
about their rights?
In order to minimize the A 30-day period
impact on the client's credit
score, what is the maximum
time frame within which the
client should apply for
preapproval from multiple
lenders?
What are the responsibilities Examine mechanical systems, Evaluate the condition of a
of a home inspector? home, Identify items to be repaired or replaced
To compare loan estimates
Which is the best reason
that a housing counselor
would suggest that a client
speak to three to five
different lenders?
,Which is the best advice Review credit report at least once per year
that a housing counselor
can give the client to
protect against identity
theft?
The client tells the lender Provide a loan estimate without factoring in the raise
that he is expecting a raise
soon. Should the Lender
provide a Loan Estimate (LE)
with, or without factoring the
raise?
If this client obtains a $3000 to $4000
mortgage of $100,000,
typically, how much should
he expect to pay for
closing costs?
Is Application Fee an upfront Renting
cost of clients who are
considering renting or buying
a property?
Home-ownership
A client wants to customize
his home with do-it-yourself
projects, this is an indication
the client is best aligned with
which housing option;
Home-ownership or Renting?
, The client's gross monthly $1,065
income is $4167 and the NOTE: The maximum front-end ratio for a standard
monthly debts are $435. conventional loan is 28%, and the back-end ratio is 36%. The
front-end ratio is calculated as 28% of the client's monthly
What is the maximum
income of $4,167, which is $1,167. The back-end ratio is
mortgage payment calculated as 36% of the client's monthly income of $4,167
(rounded to the nearest minus the client's monthly debt of $435, which equals
dollar) for which this client $1,065. Therefore, the maximum loan payment that the
would qualify using a client qualifies for is the lower of the two numbers, which is
standard conventional loan? $1,065.
Which is the maximum debt- 43%
to-income ratio allowable for
an FHA loan?
Which is the maximum 45%
debt-to-income ratio
allowable for an FHA
Energy Efficiency Mortgage
loan?
33%
The client's gross monthly
income is $4167 and the
monthly debts are $435.
With a monthly mortgage
payment of $950, which is
the client's debt-toincome
ratio (round to the nearest
whole percent)?
Expert Verified Actual Questions & Answers for
Guaranteed Pass | Newest Update, 2025-2026.
Terms in this set (127)
What is the maximum 50%
percent of area median
income allowable for a
household to qualify for a
Housing Choice Voucher?
Which is the maximum 30%
recommended housing
ratio for renting an
apartment?
Eligibility requirements for Income, home-buyer education, purchase price
down-payment assistance
programs include which
factors?
The client is considering an 1.75%
FHA mortgage. What is the
upfront mortgage insurance
premium
(UFMIP) for an
FHA mortgage?
,If the client was denied a Contact the Federal Trade Commission as the lender's action might
mortgage loan and the violate the Equal Credit Opportunity Act
lender told him to come back
after his divorce had been
final for three years, what is
the best advice for the
housing counselor to provide
to the client to report a
violation to
ECOA?
A question from a lender on Inappropriate
the client's Medical History
would be inappropriate or
appropriate?
Who is responsible for Housing Counselor
educating home-buyers
about their rights?
In order to minimize the A 30-day period
impact on the client's credit
score, what is the maximum
time frame within which the
client should apply for
preapproval from multiple
lenders?
What are the responsibilities Examine mechanical systems, Evaluate the condition of a
of a home inspector? home, Identify items to be repaired or replaced
To compare loan estimates
Which is the best reason
that a housing counselor
would suggest that a client
speak to three to five
different lenders?
,Which is the best advice Review credit report at least once per year
that a housing counselor
can give the client to
protect against identity
theft?
The client tells the lender Provide a loan estimate without factoring in the raise
that he is expecting a raise
soon. Should the Lender
provide a Loan Estimate (LE)
with, or without factoring the
raise?
If this client obtains a $3000 to $4000
mortgage of $100,000,
typically, how much should
he expect to pay for
closing costs?
Is Application Fee an upfront Renting
cost of clients who are
considering renting or buying
a property?
Home-ownership
A client wants to customize
his home with do-it-yourself
projects, this is an indication
the client is best aligned with
which housing option;
Home-ownership or Renting?
, The client's gross monthly $1,065
income is $4167 and the NOTE: The maximum front-end ratio for a standard
monthly debts are $435. conventional loan is 28%, and the back-end ratio is 36%. The
front-end ratio is calculated as 28% of the client's monthly
What is the maximum
income of $4,167, which is $1,167. The back-end ratio is
mortgage payment calculated as 36% of the client's monthly income of $4,167
(rounded to the nearest minus the client's monthly debt of $435, which equals
dollar) for which this client $1,065. Therefore, the maximum loan payment that the
would qualify using a client qualifies for is the lower of the two numbers, which is
standard conventional loan? $1,065.
Which is the maximum debt- 43%
to-income ratio allowable for
an FHA loan?
Which is the maximum 45%
debt-to-income ratio
allowable for an FHA
Energy Efficiency Mortgage
loan?
33%
The client's gross monthly
income is $4167 and the
monthly debts are $435.
With a monthly mortgage
payment of $950, which is
the client's debt-toincome
ratio (round to the nearest
whole percent)?
