About
Home Advocates Union (HAU)
A Stronger Voice for Homeowners
Home Advocates Union (“HAU”) is a homeowner advocacy organization built to unite, educate, and empower people facing unfair mortgage servicing practices, foreclosure threats, title irregularities, deed fraud, and other challenges that place homeownership at risk.
We believe that homeowners should not have to face powerful financial institutions, confusing legal processes, or questionable documents alone. HAU exists to help everyday people become informed, connected, and organized around the protection of their homes, families, communities, and property rights.
Our mission is simple: to strengthen the collective voice of homeowners and advance policies, education, accountability, and reform that protect the American home.
For too long, homeowners have struggled in isolation while confronting mortgage servicers, lenders, debt collectors, foreclosure firms, and complicated court processes. Many do not know where to find reliable information, how to recognize warning signs, or how to connect with others experiencing similar problems.
HAU was created to change that.
We bring homeowners together around a shared belief: property rights matter, due process matters, accurate records matter, and every family deserves a fair opportunity to protect its home.
HAU works to build a national movement of informed homeowners, advocates, professionals, and community leaders committed to exposing harmful practices and advancing meaningful homeowner protections.
Why HAU Was Created
What We Stand For
- Greater transparency in mortgage servicing, transfers, and foreclosure practices
- Protection against forged, misleading, or improperly executed mortgage and title documents
- Fair treatment for homeowners in foreclosure, bankruptcy, loss-mitigation, and loan-modification processes
- Stronger enforcement against unlawful servicing and debt-collection conduct
- Meaningful homeowner access to public records, document education, and consumer resources
- Legislative reforms that protect due process, property rights, and homeownership
- Community-based solutions that help families remain informed, organized, and empowered
HAU’s work is centered on advocacy, education, awareness, community engagement, and public-policy reform.
Through our member community, public campaigns, educational outreach, legislative initiatives, and strategic partnerships, HAU works to elevate homeowner voices where they matter most: in local communities, state legislatures, Congress, regulatory agencies, and public discourse.
Our initiatives may include:
• Homeowner-rights awareness campaigns
• Legislative advocacy and policy proposals
• Public education on foreclosure, title, mortgage servicing, and document-related issues
• Community organizing and member mobilization
• Support for consumer complaints and agency referrals
• Collaboration with attorneys, housing advocates, researchers, media professionals, and community leaders
• Development of local and statewide homeowner advocacy chapters
Our Work
Our Team
Clarence E. Owens ("Clay")
Founder, Acting Executive Director, and Trustee
Clarence E. “Clay” Owens is the Founder, Acting Executive Director, and Trustee of Home Advocates Union (HAU), a homeowner-advocacy organization dedicated to protecting property rights, promoting transparency in mortgage and foreclosure practices, and advancing meaningful legislative and consumer-protection reform. Clay is an economist, skilled paralegal, and subject matter expert with more than 20 years of experience across the real estate, mortgage, insurance, and property-research industries. His work draws on extensive experience analyzing land records, mortgage assignments, servicing practices, securitization issues, notarizations, foreclosure documentation, and the legal and practical challenges homeowners face when trying to protect their homes. His advocacy work includes contributions referenced in the U.S. Department of Justice’s $13 billion settlement with JPMorgan Chase, where a lawsuit he filed on behalf of the United States and state governments was among the matters cited. These efforts reflect his long-standing commitment to transparency, accountability, and homeowner protection. As the founder of HAU, Clay leads the organization’s efforts to educate homeowners, amplify consumer voices, support responsible public-policy initiatives, and confront practices that may undermine confidence in the nation’s property-recording, mortgage-servicing, and foreclosure systems. He is also the founder of Home Information Support (H.I.S.), a consumer education and mortgage-document research platform focused on helping homeowners understand the records, claims, and entities connected to their mortgages. Clay’s work is rooted in a simple principle: homeowners deserve truthful information, fair treatment, and a meaningful opportunity to protect the homes they have worked to build and preserve.
Jacqueline Jennings
Acting Treasurer and Trustee
Jacqueline Jennings brings a powerful combination of education, leadership, business ownership, public service, and community advocacy to Home Advocates Union (HAU). She earned her Bachelor of Arts in Education from Cheyney University of Pennsylvania and her MBA from Strayer University, building a professional foundation rooted in teaching, organizational leadership, and service. Jacqueline is a licensed educator and high school teacher in Connecticut, a certified project manager and mediator, and the owner and operator of a construction company in Philadelphia, Pennsylvania. Her leadership experience also includes serving as both Mayor and Council Member of Willingboro, New Jersey, as well as serving as a 2008 delegate for then-President-Elect Senator Barack Obama. In addition to her professional and civic achievements, Jacqueline is a published author, a mother of four, and a grandmother of five, bringing wisdom, compassion, and lived experience to her work supporting families, communities, and housing stability.
Tyrea Alexander
Acting Secretary and Trustee
Tyrea Alexander brings more than 20 years of dedicated experience in human services, education, and community-based support to Home Advocates Union (HAU). She earned her Master’s Degree in Human Services from Lincoln University and has built a career centered on helping individuals and families access support, stability, and opportunity. Before retiring in 2020 from CGS Family Partnership, Tyrea spent years serving vulnerable communities and strengthening family-centered programs. Her professional background also includes 12 years as a licensed ID/DD provider, where she worked with individuals with intellectual and developmental disabilities. Today, she continues her commitment to service as a New Jersey Certified Substitute Teacher, bringing compassion, discipline, and real-world experience into the classroom and the community.
HAU members are part of a growing community committed to protecting homeownership and demanding accountability.
Membership provides opportunities to stay informed, participate in advocacy campaigns, receive alerts on homeowner issues, engage with fellow members, and access exclusive resources made available through H.I.S. Home Information Support.
Depending on membership level, members may receive access to exclusive H.I.S. resources, including educational materials, consumer tools, document-related guides, homeowner alerts, and other benefits designed to help members better understand and respond to issues affecting their property rights.
HAU membership is about more than receiving benefits. It is about joining a movement.
Membership Means Strength in Numbers
Our Relationship With H.I.S. and HAF
HAU works alongside distinct organizations that share a broader commitment to homeowner education, advocacy, and preservation.
Home Information Support (H.I.S.) is a separate, for-profit education and research platform that provides homeowner-focused educational resources, document-analysis products, and consumer tools.
Home Advocates Foundation (HAF) is a separate charitable organization focused on housing preservation, homeowner support, and community-based solutions.
While these organizations may collaborate on aligned initiatives, each has its own mission, structure, and role.
We envision a country where homeowners are not intimidated by complex systems, hidden information, or powerful institutions.
A country where families can access understandable information before they lose their homes.
A country where mortgage companies, servicers, foreclosure firms, and related parties are held accountable when they engage in unfair, deceptive, or unlawful practices.
And a country where homeowners stand together—not alone.
Our Vision
