Fair Housing
How many protected classes are there under the Federal Fair Housing Act?
What credit report doesn't affect your credit score?
Soft Pull
How many Senior HUD properties are there in Somerset County?
7
How often is someone's identity stolen in the U.S.?
Every 2 seconds
Should you have a Disaster Emergency Plan?
Yes
Who enforces Fair Housing?
NJ Dept of Civil Rights (609) 292-4606
What can co-signing a loan affect?
Your Credit Score
How does a HUD subsidized property benefit residents?
Pays 30% of gross monthly income or rent (least expensive option)
Who is most likely to be targeted by a scam?
Older Adults
What maintenance tip should all homeowners know how to do?
Turn off the gas and water
What is an example of a Reasonable Accommodation?
Disabled parking space
What does closing a credit card do to your credit score?
Decreases it
State Rental Assistance Program
Can you be fined for not showing up for jury duty?
No
What is LIHEAP or USF?
Energy Assistance Programs
What is an example of a Reasonable Modification?
Grab bar in shower
What is Debt-to-Income Ratio (DTI)?
% of debt
What is used for the affordable housing program?
Income from any source
What is a popular scam targeting seniors?
Grandparent Scam
What to do if you are struggling to pay their mortgage?
Contact CJHRC
No
What is not included in a DTI?
Groceries
Where can you find senior housing in Somerset County?
CJHRC's Senior Guide
What is "phishing"?
Fraudulent emails
What County program helps with simple home projects?
The Handyman Project