Uncover. Understand. Protect.
Your Home May Be The Most Important Investment You'll Ever Make.
But how much do you really know about the mortgage connected to it?
Maybe everything is exactly as expected. But shouldn't you know?
The big question
Is Your Mortgage Company Telling You The Truth?
Most homeowners were never taught to ask these questions:
- ?Who actually owns your mortgage?
- ?Who services it, and what's the difference?
- ?What happened to your loan after closing?
- ?What do your public land records actually show?
Free homeowner briefing
Watch the Homeowner Briefing
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Your homeowner briefing
Watch: What Every Homeowner Should Understand
A short, plain-English briefing from H.I.S. founder Clarence Owens. No jargon. No fear. Just the questions worth knowing the answers to.
Clarence Owens
Founder, Home Information Support
How much do you really know about your mortgage? Not the monthly payment, but who owns it, who only services it, and what happened to it after you signed at closing.
Most of us were never taught to ask about MERS, about securitization, about the documents recorded in our county land records, or about the laws written to protect homeowners. That isn't a failing. Nobody handed you the manual.
That is why I built Home Information Support. Our mission is simple: Uncover. Understand. Protect. You deserve clear, understandable information about your own home, without having to become a lawyer or a banker to get it.
So we created the H.I.S. Homeowner Education Academy™: 9 Core Lessons plus a Bonus UCC Masterclass, 10 educational programs that walk you through the mortgage system one lesson at a time, in order, in plain language.
Primary offer
Complete H.I.S. Homeowner Education Academy™: 9 Core Lessons plus a Bonus UCC Masterclass, 10 educational programs for a one-time $299.
Get Complete Academy Access – $299Here is what usually happens next. As homeowners move through the videos, they start asking a sharper question: "What do MY records actually show?" That is the moment education turns into investigation.
For that, there is the H.I.S. COTA Report. It researches and organizes information tied to your own mortgage documents and public records: recorded assignments, transfers, ownership history, and chain of title. We are not promising to find fraud. The point is to research rather than assume. And if you order an eligible COTA Report™ within 30 days of joining the Academy, your $299 can be applied toward it, subject to applicable terms.
Two paths, one idea: don't just assume. Learn. Ask questions. Become informed. Uncover. Understand. Protect.
The gap in homeowner knowledge
What Most Homeowners Were Never Taught
Mortgage ownership
Who actually holds the note connected to your home, and how that can change over time.
Loan servicing
The company you pay may only be servicing your loan, not owning it. The difference matters.
Assignments and transfers
How your loan can be assigned, sold, and transferred, and where that gets recorded.
Securitization and MERS
How loans get pooled into securities, and what MERS is and does in that process.
Public land records
Deeds, mortgages, assignments, releases, and satisfactions, and how to read them.
Chain of title and rights
The ownership trail behind your home, plus the laws written with homeowners in mind.
You don't need to become a mortgage expert. But you should understand the mortgage connected to one of your most important investments.
The solution
Become A More Informed Homeowner.
The Complete H.I.S. Homeowner Education Academy™ is 9 Core Lessons plus a Bonus UCC Masterclass, 10 educational programs organized specifically for homeowners, that take the mortgage system from confusing to clear, one lesson at a time.
The curriculum
9 Core Lessons Plus A Bonus UCC Masterclass
10 educational programs in all. Watch the core lessons in order: each one builds on the last.
Understanding Your Mortgage Loan
The Note, Mortgage, Debt & Key Documents
Mortgage Servicing vs. Mortgage Ownership
Who Collects Your Payment, and Who Owns the Loan?
Mortgage Securitization Explained
How Mortgage Loans Move Through the Secondary Market
Understanding MERS
Mortgage Electronic Registration Systems & the Public Record
Land Records, Assignments & Your Chain of Title
Learning to Follow the Documentary Trail
Tool Up! Important Laws for Homeowners to Know
Information Rights, Requests & Legal Concepts
Understanding Non-Judicial Foreclosure
Process, Documents & Homeowner Awareness
Understanding Judicial Foreclosure
Process, Procedure & Homeowner Defense Concepts
Homeowner Civil Action Strategies
Civil Litigation Concepts for Self-Represented Litigants & Attorneys
Bonus
UCC Masterclass
Understanding the Uniform Commercial Code in the Context of Mortgage Obligations
Who this is for
Built For Everyday, Financially Healthy Homeowners
- Homeowners who are current on their mortgage
- Recent buyers making sense of their closing documents
- Longtime owners who never got clear answers
- Anyone who wants to understand ownership, servicing, land records, and securitization before problems arise
You don't have to be in foreclosure to become an informed homeowner.
Homeowners And Professionals On H.I.S.
"Before finding H.I.S., I had no idea how much information existed about my property's history. The resources and research tools helped me understand documents I had never reviewed before."
"H.I.S. provides educational resources that are both informative and accessible. The platform helps homeowners understand property records and empowers them to ask more informed questions."
"The materials available through H.I.S. help consumers become more informed about issues affecting their homes. It promotes transparency and encourages homeowners to take an active role."
Primary offer
Complete H.I.S. Homeowner Education Academy™
9 Core Lessons plus a Bonus UCC Masterclass: 10 educational programs total.
- All 9 Core Lessons, in order, in plain English
- Bonus UCC Masterclass included
- Your loan documents, servicing vs. ownership, securitization, MERS, land records, homeowner laws, and foreclosure process
- Made for homeowners, not lawyers or bankers
- Eligible for the 30-day COTA credit, applying your $299 toward a COTA Report™
You'll be taken to the secure H.I.S. checkout to complete your purchase.
Only need one topic? Selected programs are also available individually.
Explore Individual ProgramsQuestions Homeowners Ask
Why do I need this if my mortgage is current?+
Education shouldn't wait for a problem. Just like insurance, the time to understand your home is before something goes wrong, not after.
Can't I just learn about mortgages online?+
You can find pieces everywhere. H.I.S. organizes it into one homeowner-focused program, in order, so it actually makes sense.
Is this legal advice?+
No. H.I.S. provides educational and research information, not individualized legal advice, and no attorney-client relationship is created.
What if there's nothing wrong with my mortgage?+
Maybe everything is exactly as expected. This isn't based on assuming a problem. It's about becoming informed, so you know rather than guess.
Do I need to be in foreclosure?+
No. The Academy is for any homeowner who wants to understand their mortgage.
What is the 30-day COTA credit?+
If you 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™ price, subject to applicable terms.
Want a quick first look at your own mortgage records?+
The H.I.S. Mortgage Record Check™ ($99, one-time) is a limited, preliminary review of readily available mortgage-registration and servicing information, with a concise written summary. It is not a full COTA Report™, a title examination, or legal advice, and the Academy video bundle is not included. If you purchase the full H.I.S. COTA Report™ within 30 calendar days of your Mortgage Record Check purchase date, the full $99 is credited toward the $1,999 COTA Report™ price. Learn more about the Mortgage Record Check.
Your Home May Be Worth Hundreds Of Thousands Of Dollars.
Isn't understanding the mortgage connected to it worth your time?
Get Complete Academy Access – $299Optional next step: 30-day COTA credit
Education tells you what to look for. Investigation asks what YOUR records show.
If you 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™ price, subject to applicable terms.
H.I.S. COTA Report™
Your 30-day credit- Standard COTA price
- $1,999
- Academy credit
- − $299
- For eligible 30-day Academy customers
- $1,700
Researches and organizes information tied to your own mortgage documents and public records: recorded assignments, transfers, ownership history, chain of title, and related records (depending on availability).
This is framed as research, not a promise to find wrongdoing. The point is to research rather than assume.
Learn first. Investigate when you're ready.
View COTA Credit TermsDon't just assume. Learn. Ask questions. Become informed. Uncover. Understand. Protect.