16. WHICH SERVICE MUST BE INCLUDED IN THE HUD HOUSING COUNSELING WORK PLAN OR COUNSELING ACTIVITY REPORTING? (**) a. ASSISTING SENIOR CLIENTS WITH BANKING SERVICES b. PROVIDING DEBT MANAGEMENT OR LIQUIDATION SERVICES c. PROVIDING TRANSPORTATION SERVICES TO COUNSELINGS ACTIVITIES d. CONDUCTING OUTREACH TO UNDERSERVED COMMUNITIES 17. WHEN PURCHASING A HOME, BORROWERS ARE TYPICALLY NOW AWARE OF POSSIBLE TAX CREDITS. WHICH WOULD BE CONSIDERED A POTENTIAL TAX CREDIT? a. DISCOUNT POINTS PAID BY THE LENDER AT CLOSING OF A PURCHASE TRANSACTION b. DISCOUNT POINTS PAID BY THE BORROWER AT CLOSING OF PURCHASE TRANSACTION c. MORTAGAGE INSURANCE PAID BY THE LENDER AT CLOSING OF PUCHASE TRANSACTION d. TITLE INSURANCE PAID BY THE BORROWER AT CLOSING OF A PURCHASE TRANSACTION 18. A BORROWERS HOME HAS BEEN DIRECTLY IMPACTED BY DISASTER AND NEED TO BE RECONSTRUCTED. WHICH TYPE OF LOAN SHOULD THE BORRWER SEEK TO COMPLETE THE NECESSARY REPAIRS? a. FHA STRAEMINE b. VA GUARANTEED c. CONVENTIONAL d. FHA 203(H) 19. A BORROWER WHO PAYS MIP IS INELIGIBLE FOR WHICH LOSS MITIGATION OPTION? (**) a. FHA HAMP LOAN MODIFICATION b. SPECIAL FORBEARANCE c. GSE LOAN MODIFICATION d. INFORMAL/FORMAL FORBEARANCE 16. WHICH SERVICE MUST BE INCLUDED IN THE HUD HOUSING COUNSELING WORK PLAN OR COUNSELING ACTIVITY REPORTING? (**) a. ASSISTING SENIOR CLIENTS WITH BANKING SERVICES b. PROVIDING DEBT MANAGEMENT OR LIQUIDATION SERVICES c. PROVIDING TRANSPORTATION SERVICES TO COUNSELINGS ACTIVITIES d. CONDUCTING OUTREACH TO UNDERSERVED COMMUNITIES 17. WHEN PURCHASING A HOME, BORROWERS ARE TYPICALLY NOW AWARE OF POSSIBLE TAX CREDITS. WHICH WOULD BE CONSIDERED A POTENTIAL TAX CREDIT? a. DISCOUNT POINTS PAID BY THE LENDER AT CLOSING OF A PURCHASE TRANSACTION b. DISCOUNT POINTS PAID BY THE BORROWER AT CLOSING OF PURCHASE TRANSACTION c. MORTAGAGE INSURANCE PAID BY THE LENDER AT CLOSING OF PUCHASE TRANSACTION d. TITLE INSURANCE PAID BY THE BORROWER AT CLOSING OF A PURCHASE TRANSACTION 18. A BORROWERS HOME HAS BEEN DIRECTLY IMPACTED BY DISASTER AND NEED TO BE RECONSTRUCTED. WHICH TYPE OF LOAN SHOULD THE BORRWER SEEK TO COMPLETE THE NECESSARY REPAIRS? a. FHA STRAEMINE b. VA GUARANTEED c. CONVENTIONAL d. FHA 203(H) 19. A BORROWER WHO PAYS MIP IS INELIGIBLE FOR WHICH LOSS MITIGATION OPTION? (**) a. FHA HAMP LOAN MODIFICATION b. SPECIAL FORBEARANCE c. GSE LOAN MODIFICATION d. INFORMAL/FORMAL FORBEARANCE