You Don't Have to Learn Everything at Once.
Choose the homeowner education program that addresses the question you want answered today.
Whether you're trying to understand who owns your mortgage, how mortgage servicing works, what assignments mean, what your public records may reveal, or how foreclosure procedures operate, H.I.S. educational programs are designed to help homeowners understand the systems and documents surrounding their homes.
Want the Complete Education? Get All 10 Programs for $299
Understanding Your Mortgage Loan
Build a foundation for understanding how a mortgage loan works, including the relationship between the loan transaction, the promissory note, the mortgage or deed of trust, and the parties involved.
Price: $49 | Runtime: Approx 1 hour, 20 min
- The basic structure of a mortgage loan
- The difference between the note and the mortgage
- The roles of the borrower, lender, and other parties
Mortgage Securitization Explained
Learn how mortgage loans may move from individual loan transactions into larger financial structures, including mortgage-backed securities, loan pools, trusts, and post-closing transfers.
Price: $99 Runtime: Approx. 2 hours, 35 min
- The basic concept of mortgage securitization
- How mortgage loans may be pooled with other loans
- How transfers may occur after a mortgage loan closes
Land Records, Assignments & Your Chain of Title
Learn how deeds, mortgages, assignments, releases, satisfactions, and other recorded documents can create a historical record of transactions affecting a property.
Price: $99 | Runtime: Approx. 2 hours, 32 min
- How to understand basic land-record documents
- What mortgage assignments represent
- How recorded documents may form a property's chain of title
Understanding Non-Judicial Foreclosure
Learn the foundational concepts behind non-judicial foreclosure systems, where foreclosure may proceed through procedures that do not require a traditional court foreclosure lawsuit.
Price: $99 | Runtime: 1 hours, 24 min
- What non-judicial foreclosure means
- How the process differs from judicial foreclosure
- Important documents and procedures homeowners may encounter
Homeowner Civil Action Strategies
Explore foundational concepts surrounding homeowner civil actions, including the legal process, identifying potential claims and issues, gathering information, understanding procedural responsibilities, and researching possible remedies. This program is educational and does not provide legal advice or instruct customers that they have a valid legal claim.
Price: $99 | Runtime: Approx. 2 hours, 2 min
- How civil litigation is generally structured
- The importance of evidence, research, and documentation
- Concepts relevant to self-represented litigants and homeowners working with attorneys
Mortgage Servicing vs. Mortgage Ownership
Learn the important difference between the company that collects your mortgage payments and the person or entity that may actually own or hold an interest in your mortgage loan.
Price: $49 | Runtime: Approx 1 hour, 7 min
- The role of a mortgage servicer
- The distinction between servicing and loan ownership
- Why identifying the different parties connected to your mortgage matters
Understanding MERS
Explore the creation and role of Mortgage Electronic Registration Systems, Inc. (MERS) and how MERS may appear within mortgage documents, assignments, and public land records.
Price: $49 | Runtime: Approx. 2 hours, 14 min
- What MERS is
- Why MERS was created
- How MERS may appear in mortgage and assignment records
Tool Up! Important Laws for Homeowners to Know
Explore important federal and state legal concepts that homeowners may encounter when dealing with mortgages, servicing, consumer information, debt collection, property records, and homeowner rights.
Price: $49 | Runtime: Approx. 42 min
- Important homeowner-related federal laws
- Consumer-information and servicing concepts
- Why understanding applicable laws can help homeowners ask better questions
Understanding Judicial Foreclosure
Learn important concepts surrounding judicial foreclosure, including the role of the courts, pleadings, mortgage documents, evidence, procedural stages, and the importance of understanding the foreclosure process.
Price: $99 | Runtime: Approx. 2 hours, 42 min
- How judicial foreclosure generally works
- Important court documents and procedural concepts
- Why mortgage records and evidence can matter in foreclosure litigation
BONUS MASTERCLASS: The Uniform Commercial Code — Notes, Negotiable Instruments & Enforcement Concepts
Explore important Uniform Commercial Code concepts related to promissory notes, negotiable instruments, transfers, possession, enforcement, and other commercial-law principles homeowners may encounter when researching mortgage transactions.
Price: $99 | Runtime: Approx. 2 hours, 19 min
- Basic negotiable-instrument concepts
- How promissory notes fit within UCC principles
- Transfer and enforcement concepts relevant to mortgage-note research
Planning to Watch More Than One?
Individual programs are available for homeowners who want to focus on a particular subject. But homeowners who want the complete H.I.S. educational experience can receive all 10 programs through the H.I.S. Homeowner Education Academy™ for: $299
Individual Programs
- $49 to $99 per program
- Pay as you go
- Focus on one topic
The Complete Academy
- $299 Best Value
- Complete Education
- Save Over $490
When Education Raises More Questions
Education can help you understand what mortgage documents, assignments, servicing records, and public records mean. But sometimes the next question becomes: What do MY records actually show? That's where education can become investigation.
H.I.S. COTA Report™
The H.I.S. COTA Report™ is a separate, comprehensive mortgage and property-record research product priced at $1,999. Customers who purchase H.I.S. educational videos have 30 days from the date of their educational purchase to upgrade to an H.I.S. COTA Report™ and receive the applicable educational-purchase credit toward the COTA Report purchase price. No legal advice, legal conclusions, litigation outcomes, mortgage cancellation, foreclosure prevention, or financial results are promised.
This Education Isn't Just for Homeowners in Foreclosure.
H.I.S. education is designed for homeowners who want to understand their mortgage and property records before a crisis arises. Inform yourself about the system connected to your home today.
I make my mortgage payment every month — but who actually owns my mortgage?
What is the difference between my mortgage servicer and mortgage owner?
What assignments have been recorded against my property?
What does a mortgage securitization actually mean?
