CM 318 Quizzes

alleys

A Traditional Neighborhood Development is most likely to have

True

A good floor plan should contain public, private and work zones.

Near the bathroom

A recent trend in home design is to locate the laundry area

Work

A room containing cooking equipment is part of the _______ zone in the home.

- is typically purchased by a low-income buyer - is on land owned by a non-profit organization - will be sold to another low-income buyer

According to the text, a community land trust home

False

According to the text, creating a healthy building includes careful consideration of only outdoor environmental quality issues.

False

According to the text, in a simple approach, neighborhoods are linked with social interaction and communities are linked with geographic location.

False

According to the text, land use regulations are, for the most part, federal regulations.

Neighborhood resource

According to the text, which of the following theories emphasizes the link between the quality and quantity of resident services?

- land use - population density - structural dimensions

According to the text, zoning ordinances regulate

True

According to the textbook, by reducing local energy consumption, efficient buildings can also reduce air pollution.

False

According to the textbook, if the building is oriented correctly, sunlight will provide solar heating gain in the winter and minimize overheating from southern summer sunlight.

False

According to the textbook, sustainable development is defined as meeting the needs of the present by compromising the ability of future generations to meet their own needs.

Tudor

An eclectic style of the 1920's that featured decorative, false half timbering is called a

68%

Based on information for 2003 in U.S. Housing Market Conditions, and rounding to the nearest whole percentage point, what percent of households are homeowners?

$150k

Based on the frequently used rule of thumb income multiplier guideline, what is the maximum price a family can afford that has a gross income of $5,000 per month?

False

Change in the housing industry in the U.S. finds that stick builders today are using less factory-built components than they did in the past.

the buildings, but not the land, are usually owned by those who use them

Community Land Trusts treat real estate differently than most real estate organizations because

Gambrel

Dutch Colonial style homes usually have which of the following roof forms?

True

Educated homebuyers are generally considered to have a lower risk of defaulting on loans than others.

larger mortgage

Energy Efficient Mortgages (EEMs) allow the homebuyer to have

- increasing innovative use of technology - reducing interest rates - standardizing paperwork

Fannie Mae and Freddie Mac activities have helped homebuyers by

$1400

For a household with a monthly income of $5,000 and using the common ratio guideline for calculating the "front-end" ratio or housing payment to income ratio, the household's housing cost is

50% of areamedian income

For housing affordability decisions, HUD sets the upper level for the "very low income" range at

Side Gable

Hall and Parlor homes usually have which of the following roof forms?

Simple and intuitive use

Having offset water controls in the tub and shower is an example in the chapter of which universal design principle?

The lender

If a borrower defaults on their mortgage, private mortgage insurance (PMI) may repay a portion of the mortgage to

180

If a family's monthly adjusted income is $600, typically the family is expected to pay at least how much of the $550 for rent and utilities under housing assistance programs?

the typical (median) family has less than sufficient income to purchase the median-priced house

If the housing affordability index is below 100, it means that

water

In a number of communities, the major new construction barrier is the lack of

False

In colonial times in North America, the most common type of housing was single family homes occupied by parents and children.

Increase in the size of the lot

In general in the past 10 years, which of the following is NOT contributing to higher costs of single family homes?

True

In the 1800's, the cast iron stove was invented which allowed for more flexibility in home design than before when fireplaces were used for heat.

Ranch

In the 1950's the automobile became affordable and inspired the acceptance of which of the following home styles?

Pieces that were assembled on site to build a home

In the early 1900's Sears, Roebuck and Company offered homes in their mail order catalog that were manufactured

False

In the future, it is predicted that more retirement housing will be needed for persons 65 to 79 years of age and less retirement housing will be needed for persons 85 and older.

assistance is terminated when the tenant moves from the unit

In the project based government assistance program

a household may qualify at 50% of the area median income

In the tenant based government assistance program

False

Interest rates are a driving force of the mortgage lending cycle; when rates are high, more borrowers qualify for mortgages.

Local zoning may dictate where manufactured housing can be placed

Issues related to buying a manufactured home involve which of the following?

None - families have fewer children than in the past - there are high numbers of single-parent households - neighbors are too close due to smaller lots

Loss of community shows a high degree of social disengagement. This means

False

Minimum Property Standards established by HUD set minimum construction requirements for all new single-family homes, multi-family housing and health-care facilities in the U.S.

trees lining the streets

New Urbanists believe which of the following creates neighborliness?

A contingency

Often buyers will stipulate in their offer to purchase that they have the opportunity to void the purchase offer if an appraisal of the property is lower than the purchase price. This is called

- Compact drivable neighborhoods - Uniformity of residential units - Inclusion of green space

One of the most recent issues of concern to home builders is resource efficiency which has lead to moving toward a "New Urbanist" style that includes which of the following?

True

One of the problems that has hindered integration of neighborhoods is the inability of minority households to afford housing in areas primarily occupied by whites.

True

One reason a wealth gap exists between whites and minorities is because whites have higher homeownership rates than minorities.

literally homeless

Persons who are in homeless shelters are considered to be the

- charge 6 to 7 percent commission on the house sales price - obtain a license in the state in which they live - complete a state's continuing education requirements to keep a license valid

Real estate agents usually

True

Residential property managers meet the needs of tenants as well as ensure profits for the owners of the property.

Covenants

Restrictions placed on the choice of exterior colors for a home in a residential neighborhood are called

Social

Spatial distance that is good for conversations among several people is the proxemic zone called

has continued to receive decreased funding since the 1980's

The Federal Section 8 Voucher housing program

- established the HUD Code for manufactured housing - officially changed the name of mobile homes to manufactured homes

The National Manufactured Housing Construction and Safety Standards Act passed in 1974,

Discount points

The additional money that you may pay the lender at closing to get a lower interest rate on your mortgage is called

cost

The biggest challenge in providing housing for older people is

- is facilitated by zoning ordinances and subdivision regulations - is voted on by the residents of the community - is a statement of development policies

The comprehensive plan for a community

the failure to address the causes of homelessness

The greatest weakness of the Stewart B. McKinney Act that legislated assistance to the homeless is

False

The increase of homeowner's and neighborhood associations since 1970 has contributed to the loss of community.

secondary mortgage market

The market in which the lenders interact with the investment industry is called

The sales comparison approach

The most common appraisal approach used for the verification of a single-family home's value is

A mechanical system that exhausts air to the outside

The most effective ventilation system for a home is

community service workers cannot afford to live where they work

The term affordable housing is often replaced by the term workforce housing because

collective socialization theory

The theoretical approach to study neighborhoods that emphasizes the impact of adults on children's behavior is the

False

To ensure privacy, entrance to a private bath or bedroom should be situated at the end of a hallway.

True

Usually the interest rate for a 30 year fixed loan is higher than for a 15 year fixed loan.

Regulations

Usually, Federal government policies directed toward housing quality are promoted through

have a house cost burden

When considering housing affordability, a household that spends more than 30 % of its income on housing is considered to

- are at great risk of becoming homeless - often cannot afford the costs of health care and food - are unable to accumulate any savings

When households pay a high percentage of their income for housing, they

U-shaped

Which kitchen configuration most effectively restricts interference from circulation traffic within the home?

Asian

Which minority population in the United States has the highest homeownership rate?

Young children and older adults

Which of the following groups is considered to be the most susceptible to harmful products in the home?

Lustron

Which of the following homes was built of steel and featured panels of porcelain enamel?

space and amenities

Which of the following housing cost increases is due to consumption preference rather than real increase in costs?

Income

Which of the following is NOT a protected characteristic under Fair Housing Legislation and is not protected from discrimination?

Electronic information

Which of the following is NOT emphasized in sustainable development according to the textbook?

Many contaminants do not affect the taste or appearance of water

Which of the following is TRUE regarding water contamination and treatment?

The interest rate can increase or decrease based on the market rate

Which of the following is a characteristic of an adjustable rate mortgage (ARM)?

Formaldehyde

Which of the following is a health hazard often found in kitchen cabinets and furniture?

Build more equity quickly

Which of the following is an advantage of a 15 year fixed mortgage over a 30 year fixed mortgage?

- Housing is a locally based product - Over 20 percent of the U.S. economy can be linked to the housing industry

Which of the following is generally true about the housing industry in the United States?

Contract builder

Which of the following is the category for a builder who is a custom or semi-custom builder who builds exclusively on other's land?

None - The buyer's credit-worthiness is verified for pre-qualifying but not for pre-approval - Pre-approval is general in nature and pre-qualifying is for a specific house - Pre-qualifying is general in nature and pre-approval is for a specific house

Which of the following statements is true about pre-approval and pre-qualifying?

Cape Cod

Which of the following styles usually has gabled dormers perpendicular to the main gable in a story and a half structure?

Greek Revival

Which of the following styles was popular before the Civil War and had porches supported by large columns?

social contagion

Which one of the following neighborhood theories emphasizes children's peers influencing their behavior?