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HUD EXAM PREP Questions And Answers Rated
(A+)
Quiz :Types of Credit Used - Answer :Student loan or credit cards only
Quiz :FAKO scores - Answer :purchase score which are educational score
Quiz :Fair Credit Reporting Act FCRA - Answer :what is in file/dispute/remove
30 days/remove bad 7 yrs/bk 10 yrs/access limited/damages from
violators/state rights
Quiz :Fair and Accurate Credit Transactions Act FACTA - Answer :free
cbrs/fraud alert/truncate cc #s
Quiz :Fair Credit Billing Act (FCBA) - Answer :dispute bill error/mail 60
days/creditor 30 days acknowledge and 90 days research
...
Net earnings from self employment-income/marital
status/children
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Child/Dependent Care Credit-work/look for work and paying a service
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Quiz :predatory lending - Answer :loan flipping-refi existing loan for more fees
and interest
Quiz :Chap 13 bk - Answer :3-5 yr payment plan on all/part of debt, can stop
foreclosure, cure delinquent mortgage payments, reschedule secured debts
other than mortgage, lower payment, retain house/car
Quiz :Blockbusting - Answer :convince/attempt person to sell/rent due to
entry/neighborhood of race/color/religion/familia/origin/disability
Quiz :Redlining - Answer :illegal practice to make residential loans due to race,
neighborhood, origin, familia, sex, color
Quiz :Closing costs & Discount Points - Answer :Closing 3-4% and Discount 1%
of total loan amount

Quiz :front end ratio / housing expense ratio - Answer :monthly housing
exp/gross monthly income
Quiz :Gross Monthly Income (GMI) - Answer :hourly-10/hrx35hrsx52
wks/12
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biwkly-1000
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semimnth1200
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selfemploy-average gross 70587
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BE/Conv 36(45-50), FHA 43, FHAEE 45, Rent 36
Quiz :Max Mnthly House Pymt - Answer :FERxgmi BERxgmi-debts
Quiz :2nd mort/piggy back loan - Answer :lower 1st mort, avoid private morg
ins, repairs, education
Quiz :mortg terms - Answer :interest only-pay only interest for a fixed term
after borrower pays principal/interest, fixed rate-interest fixed 30 yrs or 10-15,
Adjustable-interest adjust and has cap
Quiz :Loan-to-Value Ratio - Answer :LTV%=loan bal/sales price/appraised x
100
Quiz :down payment - Answer :conv-varies, FHA-580+96
...
5%
down, 500-579-90LTV or 10 down, VA/USDA-none
Quiz :Mort Ins - Answer :Private Morg Ins-priv loans conv/subprime, Up FrontFHA, VA, USDA, Mort Ins Premium-FHA, VA, USDA
Quiz :Civil Rights Act of 1866 - Answer :all natural citizens except american
indians
Quiz :1896 Plessy v
...
Board of Education - Answer :This famous Supreme Court
case over turned Plessy v
...
The Brown decision stated that separated
but equalities were inherently unequal
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Called the Fair Housing Act
...
It also obligated federal agencies to affirmatively further fair
housing
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The new guidance treats "gender identity
discrimination" as gender discrimination
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Quiz :Section 504 of the Rehabilitation Act of 1973 - Answer :Requires that
housing providers that receive federal financial assistance make and pay for
structural changes to facilities, if needed as a reasonable accommodation
unless doing so poses an undue financial and administrative burden
...
An
assistance animal works, provides assistance, or performs tasks for the person

or provides emotional support that alleviates one or more identified symptoms
or effects of a person's disability
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Quiz :Exemptions to the Fair Housing Act - Answer :Single Family-1
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Owns 3 or fewer single family homes 3
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Mrs Murphy-The house or living quarter is occupied
by or intended to be occupied by no more than four independent families and
the owner 2
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Religious-Housing is
not operated commercially 2
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Private Club-The housing is not open to the public 2
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Elderly-1
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100% of the
community is 62 or older; or 80% of the households have one resident who is
55+
Quiz :Real Estate Related Transaction - Answer :According to the Fair Housing
Act, a real estate related transaction means any of the following:
• the making or purchasing on loans or providing other financial assistance for
purchasing, constructing, improving, repairing, or maintaining a dwelling
• the making or purchasing of loans or providing other financial assistance
secured by residential real-estate
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State/Local FHAP-Fair Housing Assistance Program-
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The
Fair Housing Assistance Program provides the funding to enforce these
additional fair housing protections
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Quiz :Filing a Complaint - Answer :Name and contact information
Name and contact information of the person you are filing against

The address of the housing involved
A short description of the alleged violation
Date(s) of the alleged violation
Quiz :Complaint Process - Answer :Complainant: a person, group, or company
that files a complaint which claims that someone has violated a law
...

Respondents must be identified as a specific individual, rather than an
organization or group
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Conciliation Agreement: a written agreement setting terms for the resolution
of the issues in conciliation
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Complaint Filed: if the complaint meets filing criteria, an official complaint is
filed
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A notification is also sent to
the respondent within 10 days of the official complaint
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There are AFFH requirements for
subsidized and unsubsidized housing, for mortgage insurance programs, and
for housing counseling agencies
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However, the focus in this
module is Consolidated Plans which is: a plan designed to help states and local
jurisdictions to assess their affordable housing and community development
needs and market conditions, and to make data-driven, location-cased
investment decisions
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PHAs and Consolidated Plan Programs: programs such as
Community Development Block Grants, HOME Investment Partnerships, or
Emergency Solutions Grants receive formula grants and must submit a
Consolidated Plan
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Housing counseling agencies starting a new
3-5 year Consolidated plan cycle that
Quiz :Redlining - Answer :HOLC created "residential security maps" to show
which areas were safe or risky for investment
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According to Plessy v
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As a result, middle-class white citizens obtained loans that allowed them
to relocate to "safe" suburbs
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This resulted in largely segregated housing patterns
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Quiz :Deed Restrictions - Answer :Deed restrictions also contributed to
segregated housing patterns
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Discriminatory language was often included, denying
certain groups of people use of real estate
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Definition
Legally enforceable terms that govern the use of property
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Discriminatory deeds are illegal and
unenforceable
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Appraiser-prop value/safety/health/buyer
pays in closing costs
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Assessor-government/taxation
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This is not to be confused with "pre-qualified" in
which a client simply discusses their financial history with no underwriter or
commitment associated
Quiz :Total Loan Costs - Answer :affected by the basic interest rate plus the
loan origination fees and discount points
...
Paid at closing, is often 1-2%
of mortgage amount
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Borrower pays them to reduce the
interest rate on the loan and get a lower payment
Quiz :URLA Uniform Residential Loan App - Answer :The key form used is the
URLA, the Uniform Residential Loan Application, which is published by
government-sponsored enterprises (financial entity services created by
Congress
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Quiz :ECOA (Equal Credit Opportunity Act) - Answer :Complaint filed by FTC
Quiz :Real Estate Settlement Procedures Act (RESPA) - Answer :Federal law
prohibiting certain abusive practices that increase the cost of settlement
services
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In addition, a person cannot give or receive
anything for settlement business referrals or for services that are not
performed
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Complaint-Consumer Finance Protection Bureau, or
CFPB

Quiz :TILA (Truth in Lending Act) - Answer :Complaint-FTC
Quiz :Amendment to TILA - Answer :CFPB made a key amendment to TILA,
called the Ability to Repay/Qualified Mortgage or ATR/QM rule
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Certain creditors, such as non-profits
serving low-to-moderate income consumers are exempt from this rule
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Federal law amending regulations under
the Real Estate Settlement Procedures Act, or RESPA (Regulation X) and the
Truth In Lending Act, or TILA (Regulation Z), effective as of October 3, 2015
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Key
features: loan terms, costs at closing, adjustable payment table, if applicable,
adjustable interest rate table, if applicable, contact information, other
considerations, buyer's signature requirement Closing Disclosure This new
form, designed to help consumers understand all of the costs of the
transaction, must be provided to consumers at least three business days
before closing
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Key features:
Generally must contain the actual terms and costs of the transaction final loan
terms, final costs at closing, cash to close, summary of tran
Quiz :HOEPA - Home Ownership and Equity Protection Act - Answer :Federal
law enforcing special disclosure requirements and restrictions on terms for
loans that meet high-cost mortgage tests
...
Regulations issued to implement the Dodd-Frank Act effective January 10,
2014, expanded HOEPA to home equity lines of credit
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A loan is covered by HOEPA if: APR exceeds Treasury rates for

comparable securities by 6
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5% for first-lien
transactions less than $50,000 and secured by personal property (e
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, RVs,
houseboats, and manufactured homes titled as personal property); or 8
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Total fees and points payable at or before closing
exceed the larger of 5% of the loan or a fixed amount adjusted annually by the
CFPB
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Quiz :Flood Insurance - Answer :high-risk flood zone by FEMA (Federal
Emergency Management Agency), flood insurance is required
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Quiz :maintenance plan - Answer :System-Household systems include
appliances, windows, roofing, insulation, electric, heating, ventilation, air
conditioning (HVAC), and other components
...
Life Used-A
previous homeowner or a home inspector may know or be able to estimate
when the system was manufactured, installed, or purchased
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Upkeep-Proactive
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Replacement-fix/replace on own or pay contractor
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gov/energystar
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It is often referred to as a second
mortgage, because it can be obtained while you are still bound to your initial
mortgage
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• You
desire to pay off your loan more quickly
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• You do not have funds available for significant closing

costs
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Typically, the draw period is 10 years, and the repayment period
lasts 15 years
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• You want a lower interest rate
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• You do not have
funds available for significant closing costs
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It can provide you with an in
Quiz :Refi & Selling - Answer :Refinancing may be a viable option if: the initial
mortgage interest rates are considerably higher than the current rates,
mortgage insurance is required and the client owes less than 80% of the
home's value, the client wants to switch from an adjustable-rate loan to a
fixed-rate loan
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There are
closing costs and fees associated with refinancing and an appraisal might be
required unless the client has an FHA mortgage and is applying for an FHA
streamline refinance which does not require qualifying credit or an appraisal
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Quiz :Dual Tracking - Answer :The term used when servicers move forward on
a foreclosure at the same time the mortgage servicer is working with a
borrower on a workout plan
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S
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Provides $7
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In February 2016, an additional $2 billion
as allocated as part of the Consolidated Appropriations Act
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HHF funds end in 2020
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Standardized process for requesting
mortgage workouts Programs included loan modifications, loan refinancing,
mortgage assistance for the unemployed, and financial assistance to transition
out of the home Most programs expired December 2016
Quiz :National Mortgage settlements - Answer :Created in 2012 Reached
between Attorneys General of 49 states and five servicers—Ally (formerly
GMAC), Bank of America, Citi, JPMorgan Chase, and Wells Fargo— that were
involved in deceptive lending and foreclosure practices, like robo-signing, and
were not verifying application information
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Required servicers to appoint a
single point of contact for loss mitigation efforts, have adequate trained staff,
honor modification agreements made by a prior servicer, maintain better
communication with borrowers, comply with the Servicemembers Civil Relief
Act, improve standards for executing foreclosure documents, remove improper
fees, and end dual tracking
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Resulted in loan
modifications for struggling homeowners, refinancing for underwater home
Quiz :Mass Atny Gen HomeCorps Prog - Answer :Created with NMS funds paid
to Massachusetts to create foreclosure mitigation programs
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The program
has established a hotline staffed by loan modification experts and created a
Twitter account to provide information, and it also launched a series of
housing grant initiatives including funding for legal representation and
identification of neighborhoods hardest hit by foreclosure
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Borrower Representation Initiative: Massachusetts Legal Assistance
Corporation (MLAC) and the National Consumer Law Center (NCLC) were
awarded $6 million to fund 14 locations statewide staffed by 19 attorneys
dedicated to foreclosure-related cases and delivered direct legal
representation to homeowners facing foreclosure or eviction
...
Loan
Modification Initiative: Staffed by a statewide team of skilled Loan
Modification Specialists, th

Quiz :Mort Serv Guidelines - Answer :Servicer Contact & Personnel-Servicer
must make efforts to contact the borrower after 36 days of delinquency
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Subsequent mortgage statements must include: information on risks of
delinquency, updates about any foreclosure proceedings, contact information
for housing counseling agencies, information about loss mitigation programs
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These employees must provide accurate information about loss mitigation or
workout options and explain how a borrower can apply, locate information
about and communicate the status of a loss mitigation application
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Quiz :Mort Svc Guidelines - Answer :Foreclosure Timeline RestrictionsServicers cannot make a first notice or filing for foreclosure until the borrower
is more than 120 days delinquent
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For completed loss mitigation applications, additional restrictions and
timelines apply for required evaluation and appeal periods
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• Servicers are required to evaluate the
borrower for all the foreclosure avoidance options for which the borrower may
qualify, though they are not required to offer any specific loss mitigation
options
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Quiz :Mort Serv Guidelines - Answer :Consumer Complaints-Consumers
should call (855) 411-2372 (CFPB) or visit
www
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gov/complaint
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Even after 120 days,
servicers cannot begin foreclosure if any options are still under consideration
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For other

FHA borrowers, servicers must begin telephone contact attempts by day 17
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Quiz :Non-Judicial Foreclosure - Answer :The courts are not involved,
communication occurs between the homeowner and the servicer or the
servicer's representative In most states, the servicer issues a Notice of Default,
or NOD
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If the delinquency is not cured, the homeowner receives a Notice
of Sale, or NOS, typically 90 days after the NOD
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The homeowner typically has five to ten days before the sale date to cure the
delinquency (i
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, pay all past due amounts, including arrearages, fees, and
interest accrued)
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Very rarely will a servicer stop a foreclosure sale at this
point
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2
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3
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g
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4
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5
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6
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7
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8
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If it is
denied, determine why
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Quiz :Loss Mitigation Process - Answer :It is critical to determine what type of
loan the client has and then determine if it was sold to Fannie Mae or Freddie
Mac as there are loss mitigation options available specific to which type of loan
it is
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com/loanlookup or freddiemac
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Options
for retention and disposition will vary greatly based on the owner of the loan
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Surplus income is
also taken into consideration to determine when the debt can be cured
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Conventional Mortgage

A private sector loan typically issued to borrowers with high credit ratings
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S
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GSE
loan or mortgage
A government-sponsored enterprise, or GSE, is
Quiz :GSE Loan or Mortgage - Answer :government-sponsored enterprise, or
GSE, is a financial services entity created by Congress
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Quiz :Imminent default - Answer :When default is reasonably foreseeable
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With FHA mortgages, borrowers facing imminent default are
defined as those who are current or less than 30 days past due on the
mortgage obligation and are experiencing a hardship that prevents them from
making the next payment
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These
programs include options such as modification, forbearance, and principal
reduction
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• Communicate with local housing
departments who may have similar programs that offer less financial support
but have less stringent qualifications
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Quiz :Home Affordable Modification Program (HAMP) - Answer :Purpose: To
assist homeowners who are struggling to make mortgage payments Benefit:
Lowered mortgage payments to make them more affordable and sustainable
in the long-term Status: Expired Next Phase: Most HAMP modifications offered
greatly reduced interest rates for five years, then increased the interest rate at
one percent or less for three or four years, though rates were not to exceed
the market rate
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Quiz :Fan Mae/Fred Mac Flex Mod - Answer :Overview: The Flex Modification
leverages Fannie Mae and Freddie Mac Standard and Streamlined
Modifications
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Purpose: To
provide an easier, flexible way of helping more borrowers qualify for a loan
modification in a changing housing environment Benefit: Provides eligible
borrowers an option to resolve delinquency and sustain homeownership by
targeting a 20% payment reduction
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• Two most recent bank statements
• A utility bill showing homeowner name and property address •
Unemployment insurance letter, if applicable • Account balances and
minimum monthly payments due on all credit cards • A letter describing any
circumstances that caused reduced income or increased expenses, such as job
loss, divorce, illness, etc
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Borrower information 2
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Principal Resident Information 4
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Other Properties Owned 6
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Information for Government Monitoring (optional)
8
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4506T-This one-page form gives the servicer permission to look at the
borrower's most recent tax returns
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It has become
a major vehicle for the submission of loan workout packages, and most
servicers and counseling agencies utilize it
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Counseling agencies can only gain access if they are a 501(c)(3) and HUDapproved
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Quiz :HLP Features - Answer :Www
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org On HLP you can begin a new case,
search for an existing case, track where a case is in the process and receive
messages from and send messages to servicer representatives
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You can find the case in the Dashboard tab or by
searching for it on the Case Search tab
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A case's status is not just an indicator of where that particular case is in terms
of processing; it also defines which party, the counselor or servicer, is currently
in control of the case's processing
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training
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org
Quiz :Submit foreclosure app on HLP - Answer :Create the case on the New
Case tab
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Complete entry of basic homeowner data on the Financial, Q&A,
and Documents navigation tabs
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Use the Review & Submit tab to verify that
all the required elements have been completed before submitting the
application
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If they haven't, there is an escalation process
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Quiz :FHA WORKOUT OPTIONS IN ORDER - Answer :Attempt to bring the
mortgage current
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Determine eligibility for Informal and Formal Forbearance
Plans
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Determine eligibility for Special Forbearance - Unemployment
Agreement
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Determine eligibility for FHA-HAMP Loan Modification
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Consider a pre-foreclosure sale
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Consider a deed-in-lieu
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Lenders must consider these steps before proceeding with other options
...

Quiz :FHA Retention Options - Answer :Spec Forbear-unemployment-Purpose:
To assist unemployed borrowers Benefit: Suspends and/or reduces the current
monthly mortgage payment, ensuring that forbearance installments are based
on the borrower's ability to pay
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The agreement will include an
expiration date, though it can be revised or terminated earlier due to a change
in financial circumstances
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Key Eligibility Restrictions based on: Mortgage delinquency (at least three
months delinquent, or more than 61 days), maximum arrearage (not to exceed
12 months of PITI), state of property (not in foreclosure or foreclosure actions
suspended) Borrower must: have verified unemployment status, leading to
loss of income or increase in living expenses, and ccupy home as primary
residence
Quiz :FHA HAMP LOAN MOD - Answer :Effective March 1, 2017, the
traditional FHA Loan Modification Option was eliminated from HUD's Loss
Mitigation Waterfall
...
Purpose: To assist borrowers who are struggling to make mortgage
payments because they are no longer affordable and do not qualify for other
FHA options Benefit: Allows the mortgage to be reinstated by establishing an
affordable monthly payment and/or through a partial claim Key Eligibility
Restrictions based on: Mortgage delinquency (in default or imminent default
...
) Loan origination date (at least 12
months elapsed) Mortgage payments paid (at least four payments) Previous
receipt of an FHA-HAMP Loan Modification (cannot be within previous 24
months) Partial Claim amount (cannot exceed 30% of unpaid principal balance)
Borrower must: demonstrate verifiable loss of income or increase in living expe
Quiz :REPORT SCAMS - Answer :Calling the Homeowner's Hope Hotline at 1888-995-HOPE (4673)
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Visiting PreventLoanScam
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3
...
4
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5
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Foreclosure laws are based on
the statutes of each state
...
Basically, the mortgage
company allows the homeowner to sell the house for an amount that falls
"short" of the amount still owed
...

Quiz :Deed in Lieu - Answer :A process that allows a homeowner to avoid
foreclosure by providing a deed "in lieu" of foreclosure to the lender
...
Except in certain states or by agreement between
homeowner and servicer, the sale does not necessarily satisfy the borrower's
debt and may result in a deficiency judgment
...

Quiz :Reduce Fin Burden of Foreclosure - Answer :Will receive financial
assistance that can be used for relocation costs or other expenses
...
Visit
IRS
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• Can request that the option for a deficiency judgment be
removed
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FHA-Lenders intiate
foreclosure once an FHA loan has been in default for 6 mos, so FHA preforeclosure sale and deed-in-lieu consideration must begin before foreclosure
can begin
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If an offer cannot be secured, a deed-in-lieu can be
requested
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STEPS-Determine
servicer options based on type of mortgage
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apply for desired option and

trans assist
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budget
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new housing before sale date 5
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move into new
place
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improve credit 8
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Quiz :GSE Mort Disposition - Answer :The available short sale and deed-in-lieu
options, which share some common elements, may be good for a borrower
that is: ineligible to refinance or modify the mortgage, facing long-term
hardship that qualifies under specific program criteria, behind on mortgage
payments, or in some cases, at risk of falling behind in the near future, owes
more on the home than it's worth, also known as an "underwater" mortgage,
can no longer afford the home and is ready to leave Benefits: eliminate or
reduce mortgage debt: avoid the negative impact of foreclosure, repair credit
sooner than with a foreclosure, reduce time before eligibility to purchase a
home again (in as few as two years, whereas foreclosure is seven), be eligible
for up to $3,000 in relocation assistance in some cases
...
)
Quiz :Fan Mae/Fred Mac - Answer :Short Sale-Purpose: Allows a homeowner
to sell the home for less than the balance owed, though a financial
contribution, or a deficiency judgment, may apply depending on the situation
...
A
short sale may take up to 120 days
...
ElgibilityBorrower has an eligible hardship Sale is an arm's length transaction (buyer
and seller have no relationship to each other) Borrower previously listed home
for sale with a licensed real estate broker according to specific criteria
Borrower did not enter a program or arrangement where a third party takes
the property title and arranges a short sale in exchange for a fee If borrower is
current on mortgage or has been d
Quiz :Fan Mae/Fred Mac - Answer :Deed in Lieu-Purpose: Allows a borrower
who cannot afford the mortgage payments to voluntarily sign the house back
over to the lender
...
Homeowners will often
attempt a short sale first
...

Borrower qualifications determines the next steps, and qualified homeowners
may be eligible for flexible exit options Immediately vacate home Stay in home
for up to 3 months (no rent) Lease home at a market-based monthly rent for

up to a year Elgibility-Servicer complied with the evaluation hierarchy
Borrower has an eligible hardship Borrower can convey clear and marketable
title to the property If borrower is current on mortgage or has been delinquent
for less than 31 days, borrower must: Occupy home as primary residence Have
a monthly DTI ratio greater than 55%
Quiz :Transition Options - Answer :State Transition Assistance Programs
Several states that benefit from the Hardest Hit Fund (funds for states hardest
hit by the foreclosure crisis) offer transition assistance as well as support for
retention (remaining in the home)
...
Selecting a Transition
Assistance Program
Select a program that makes sense and is affordable to avoid future housing
issues
...

Quiz :Trans Option - Answer :Cash for Keys-An alternative to a legal eviction
following foreclosure
...
Certain conditions
apply, such as returning the property in broom-clean condition with all
appliances
...
Borrower
must be 31 days delinquent or more at the time of the closing
...
Borrower must meet requirements for acceptable
sales price and number of days on market
...
Borrower must be 31 days delinquent or more at the
time of the deed-in-lieu
...
Lender will develop a
written Deed-in-Lieu of Foreclosure Agreement, to be signed by both the

borrower and lender, which contains all of the conditions under which the
Deed will be accepted
...

2
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3
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4
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5
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6
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7
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8
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Quiz :Contractual Tenancy - Answer :An arrangement in which both a tenant
and a landlord sign an official lease, which outlines a fixed term of tenancy, a
rent payment process, and other rental conditions
...

Quiz :eviction - Answer :Eviction (removal from the property) can occur for
one of two reasons
...
The second is a Holdover Eviction, when the landlord is evicting
someone who breaches terms of the lease unrelated to payment
...
Can also
be called: Late Letter, Notice to Vacate Letter, Notice to Quit, Eviction Notice
Letter, Notice of Termination, Rental Eviction Notice, or Notice to Vacate (the
Premises) Timeline for Different Notice Types: 1
...
Cure or quit notice: Immediately to 30 days 3
...
Though they may have
various associated timetables, tenants must vacate after certain offenses, such
as: selling illegal substances on the premises, presenting inaccurate
information about criminal record, criminal activity, or prior evictions,
repeating the same lease violation within six months
...
This prompts the court to serve the tenant a notice of petition
...
*In most cases, the answer must be returned to the
Clerk of the Housing Court as an oral or written response within five days with
any documentation to support the response
...
The hearings
include a resolution component and a trial component
...
If a
resolution is not reached, the trial phase will commence
...
Possible Client Actions: appear in court and bring any written
communication, lease and renewal lease, proof of rent payment, and/or
photographs of problems in the unit
...

*Appearing in court is not a good idea as a judgement will immediately be
placed on the tenant's record and filing fees are added to the judgement which
can raise it significantly
...

The tenant must pay the judgment or cure the violation of the lease if the
judge decides the client is at fault
...

Possible Client Actions: abide by the final judgement or appeal the judgement
...

Quiz :Eviction Process Step 5 Eviction - Answer :If the tenant does not respond
to the final judgment during the appeal period, the landlord can file to issue a
writ of possession, authorizing the removal of a tenant and his/ her belongings
from the rental unit
...
After the 72-hour period, the
landlord has two eviction options:
1
...
Any
possessions remaining after that period become the landlord's property
...
Forcible Eviction: A law enforcement officer executes the eviction, forcibly
removing the tenant and his/her belongings if necessary
...

Quiz :Writ of Possession - Answer :A court order that serves as an eviction
from a property
...

Quiz :Legal Aid Programs - Answer :Housing counselors cannot offer legal
advice
...
Typically, legal aid programs
limit their services to residents of, or individuals with legal issues arising in,
certain counties or cities
...

Information on legal aid programs can be found by searching "Legal Aid" on
HUD
...
Each program has different
eligibility requirements and some may require a portion of income
...
Many transitional shelters only
accept residents who have already participated in a short-term program
...
A common component of
these shelters are case management programs which help individuals establish
independent living

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