H.I.S. HOMEOWNER EDUCATION ACADEMY™
You Were Taught How to Pay Your Mortgage.
Were You Ever Taught How It Actually Works?
9 CORE LESSONS
+
BONUS UCC MASTERCLASS
Your mortgage statement tells you how much to pay. But were you ever taught how mortgage ownership works? What a mortgage servicer actually does? How mortgage loans may be transferred or securitized? What MERS is? What assignments and public records may tell you? Or what laws and legal processes may become important to homeowners? The H.I.S. Homeowner Education Academy™ was created to help change that. KNOWLEDGE CHANGES THE CONVERSATION. 10 Educational Programs - One Complete Homeowner Learning Experience.
COMPLETE ACADEMY — $299
BEFORE YOU ENROLL
Before You Buy Anything, Watch This.
Take a few minutes to learn why H.I.S. created the Homeowner Education Academy™, who it was designed for, and what you'll learn throughout the program.
H.I.S. HOMEOWNER EDUCATION ACADEMY™
VIDEO PRESENTATION
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I'm Clay Owens, Founder and President of Home Information Support.
I've devoted years to researching mortgages, mortgage servicing, securitization, assignments, land records, and the documentary systems surrounding residential mortgage transactions.
Along the way, one thing became increasingly clear: Homeowners are expected to make one of the largest financial commitments of their lives without necessarily being taught how the system behind that obligation actually works.
H.I.S. exists to help change that. My goal isn't to tell homeowners what to believe. It's to teach them what questions to ask, where information may be found, and why understanding their own records matters.
UNCOVER. UNDERSTAND. PROTECT.
YOUR INSTRUCTOR
Teaching Homeowners the Questions They Were Never Taught to Ask.
“The mortgage industry has experts. Homeowners deserve information too.”
KNOWLEDGE CHANGES THE CONVERSATION.
THE H.I.S. HOMEOWNER LEARNING PATH
9 Core Lessons. One Connected Homeowner Education Journey.
The Academy isn't designed as a collection of unrelated videos. Each lesson builds another layer of understanding—from the mortgage documents themselves, to servicing and ownership, securitization, public records, homeowner information rights, foreclosure processes, and civil litigation concepts.
LESSON 01
UNDERSTANDING YOUR MORTGAGE LOAN
The Note, Mortgage, Debt & Key Documents
LESSON 02
MORTGAGE SERVICING VS. MORTGAGE OWNERSHIP
Who Collects Your Payment—and Who Owns the Loan?
LESSON 03
MORTGAGE SECURITIZATION EXPLAINED
How Mortgage Loans Move Through the Secondary Market
LESSON 04
UNDERSTANDING MERS
Mortgage Electronic Registration Systems & the Public Record
LESSON 05
LAND RECORDS, ASSIGNMENTS & YOUR CHAIN OF TITLE
Learning to Follow the Documentary Trail
LESSON 06
TOOL UP! IMPORTANT LAWS FOR HOMEOWNERS TO KNOW
Information Rights, Requests & Legal Concepts
LESSON 07
UNDERSTANDING NON-JUDICIAL FORECLOSURE
Process, Documents & Homeowner Awareness
LESSON 08
UNDERSTANDING JUDICIAL FORECLOSURE
Process, Procedure & Homeowner Defense Concepts
LESSON 09
HOMEOWNER CIVIL ACTION STRATEGIES
Civil Litigation Concepts for Self-Represented Litigants & Attorneys
BONUS CONTENT
BONUS UCC MASTERCLASS
Understanding the Uniform Commercial Code in the Context of Mortgage Obligations
WHO IS THE ACADEMY FOR?
“My Mortgage Is Current. Why Do I Need to Know Any of This?”
Because education shouldn't begin only after a problem develops.
The H.I.S. Homeowner Education Academy™ isn't only for homeowners facing foreclosure or an active mortgage dispute.
It's for homeowners who want to better understand the financial and documentary system connected to their property.
You may have made every payment on time for years and still never have been taught:
- • The difference between your mortgage servicer and mortgage owner
• How mortgage loans may be transferred
• How securitization works
• What MERS is
• What assignments may appear in public records
• How to examine a chain of title
• What information homeowners may request
• How foreclosure processes differ
• How civil litigation concepts may become relevant
“Your mortgage is current? Good. That gives you something valuable: time to learn.”
The homeowner who asks better questions is harder to keep in the dark.
WHEN EDUCATION BECOMES INVESTIGATION
What If You Want to Know What YOUR Records Actually Show?
The Academy teaches concepts.
But at some point, you may want to move beyond general education and examine publicly available property and mortgage-related records associated with your own property.
That's where the H.I.S. COTA Report™ comes in.
Education tells you what to look for.
Investigation asks what YOUR records show.
PURCHASE THE ACADEMY TODAY:
$299
If you decide to purchase an eligible H.I.S. COTA Report™ within 30 days of your Academy purchase, your $299 Academy purchase price can be applied toward the $1,999 COTA Report™ purchase price, subject to applicable terms.
STANDARD COTA PRICE:
ELIGIBLE 30-DAY ACADEMY CUSTOMER UPGRADE:
Price breakdown display:
$1,999
− $299 Academy Credit
= $1,700
$1,999
$1,700
Learn first.
Investigate when you're ready.
LOOKING FOR JUST ONE TOPIC?
Prefer an Individual Educational Program?
The complete H.I.S. Homeowner Education Academy™ is designed as a connected learning experience. But if you're interested in one particular mortgage-related subject, selected H.I.S. educational programs are also available individually.
Looking for the complete learning experience? The 9 Core Lessons + Bonus UCC Masterclass are available together for $299.
H.I.S. HOMEOWNER EDUCATION ACADEMY™ — FREQUENTLY ASKED QUESTIONS
Q: Do I need to be in foreclosure to take the Academy?
A: No. The Academy is designed for homeowners who want to better understand mortgages, servicing, ownership, securitization, public records, homeowner information tools, foreclosure processes, and related legal concepts.
Q: How many programs are included?
A: The complete Academy includes nine core educational lessons plus the Uniform Commercial Code Bonus Masterclass — ten educational programs in total.
Q: Is the Academy legal advice?
A: No. H.I.S. provides educational and research information. Academy materials are not individualized legal advice and do not create an attorney-client relationship.
Q: Does the Academy determine whether something is wrong with my mortgage?
A: No. The Academy teaches concepts and helps homeowners learn what questions to ask and what types of information may exist. It does not determine whether a particular mortgage, document, transfer, or foreclosure is legally valid or invalid.
Q: What is the H.I.S. COTA Report™?
A: The COTA Report™ is a separate H.I.S. property-specific research service focused on publicly available property and mortgage-related records associated with an individual property. It is not a legal title opinion, title insurance, or individualized legal advice.
Q: What is the 30-day COTA credit?
A: An eligible Academy purchaser who purchases an H.I.S. COTA Report™ within 30 days of the Academy purchase may apply the $299 Academy purchase price toward the $1,999 COTA Report™ purchase price, subject to applicable terms.
Q: Is the UCC Masterclass included?
A: Yes. The Uniform Commercial Code Masterclass is included as a bonus with the complete Academy.
YOUR COMPLETE HOMEOWNER LEARNING LIBRARY
The H.I.S. Homeowner Education Academy™
10 Programs. One Complete Homeowner Education Journey.
Explore the complete Academy below. Your $299 Academy purchase gives you access to all 9 Core Lessons plus the Bonus Uniform Commercial Code Masterclass.
COMPLETE ACADEMY ACCESS — $299
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MORTGAGE SECURITIZATION EXPLAINED
HOMEOWNER CIVIL ACTION STRATEGIES
BONUS UCC MASTERCLASS
UNDERSTANDING MERS
H.I.S. provides educational and research information—not individualized legal advice, legal representation, or a guarantee of any particular result.