HUD Certification Exam Questions and Answers (Graded A)

HUD Certification Exam Questions and Answers (Graded A)
Question : Which document is most important when working
with a client to develop an initial budget as part of a Client
Action Plan?
Pay Stub
Question : 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?
Find a second job
Question : A credit report may contain which information?
The number of accounts in collection status
Question : 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?
It increases credit utilization, causing a negative impact on the
credit
score.

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