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HUD CERTIFICATION EXAM 2025 UPDATED
ACTUAL EXAM WITH CORRECT SOLUTIONS.
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?
Reasonable Modification - correct answer- A property manager
of an apartment complex that receives federal financial
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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.
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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.
HUD CERTIFICATION EXAM 2025 UPDATED
ACTUAL EXAM WITH CORRECT SOLUTIONS.
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?
Reasonable Modification - correct answer- A property manager
of an apartment complex that receives federal financial
,2 | Page
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.
, 3 | Page
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.
