Hi,
For some reason I keep getting an error message when I try to register for the exam. I get the message that the card is declined for due to technical difficulties. is there something else that needs to be done on my end?

Are reverse mortgages part of this

Is it permissible for a exam taker to have blank paper and writing instrument for use while taking the certification exam?

Dear Ms. Billups,

You account on the HUDHousingCounselors.hud.gov website should now be unlocked. Please proceed to the site and reset your password. You can go directly to this link to change it: https://hudhousingcounselors.hud.gov/user/password.

If you need any further assistance, please contact us as HUDHousingCounselors.hud.gov/support.

Thank you,

how much is the exam?

Good morning,

I scheduled to take the housing counselors exam on Saturday. However, I was in a car accident and unable to keep this appointment. I was unable to give notice within the required time due to this accident. I have do documentation of this.  Regarding scheduling the exam again, what is the protocol in a situation like this? Will I be required to pay an additional fee? Please let me know. I am eager to move forward with testing. Thank you and have a wonderful day! 

Catherene Harris 

Housing Locator 

We are happy to have assisted you today.

Here are some tools to find a HUD-approved housing counseling agency for homebuyer education or other housing counseling services. 

• CFPB Find a housing counselor Tool
• HUD Agency Contact Information by State

One of your questions:  A client earns a salary of $45,000 per yr.  What is his housing expense for an EEM mortgage.  With an EEM mortgage the stretch the limits by 2%.  If his monthly income is $3,750 X 33% (2% above regular ratios) his housing expense is $1,237.50.  You don't have that as an option.  What would the correct answer be?