Military life presents unique circumstances and issues for our service members and their families.

Can we really make a difference for them?  YES, we can!

Register here for the Certified Military Home Specialist Course.  

In 2009, Beverly Ray Frase wrote the first Certified Military Home Specialist Course and she has been training housing professionals across the nation ever since.

The CMHS course provides all housing professionals the tools needed to provide the highly skilled assistance our service members have earned and deserve.

With 70+ different pay categories, their housing and budgeting needs are complex, yet anyone who provides services to them should have a clear and accurate understanding of how to work with them. Affordable and sustainable mortgages are more likely to remain viable, keeping foreclosures down, neighborhoods lively and home values stable. Accurate income calculation is imperative for the positive outcome of any loan, and the Certified Military Home Specialist course can help you do that. The CMHS course provides a way for our communities of lenders and housing professionals to work together to prevent foreclosures nationwide.  With teams of “local military experts,” entire communities can work together toward better neighborhoods for all.


  • Lenders
  • Realtors/Real
  • Estate Agents
  • Processors Underwriters
  • Housing Counselors
  • Builders
  • Attorneys
  • Title Companies/Closer’s

Service Members and their families appreciate this information too! Lenders and housing professionals everywhere are working to create or enhance their military departments.

The CMHS course is the best first step toward establishing a solid foundation to implement, automate and review for compliance. While this department provides the military borrower with skilled services, it also reduces violations of the Service Members Civil Relief Act, SCRA. Beverly has taught the CMHS course to large and small organizations across America!

  • Regional, state, and national conventions
  • Department of Housing and Urban Development
  • Department of Treasury
  • Freddie Mac Borrower Help Centers
  • National Foreclosure Mitigation Counsel
  • Defense Federal Credit Union Summit
  • National Association of Mortgage Brokers
  • Housing Counseling Agencies


  • Scotsman Guide Mortgage Magazine
  • National Mortgage Professional Magazine
  • American Credit Union Mortgage Association
  • America Banker
  • Washington Post

Course Details

In this course you will learn about

Tools to help you better serve military clients
Increased knowledge to help you build rapport with new clients
Establish credibility specifically with this market
Extend visibility in the military community

The course cost of $179 includes a copy of the CMHS PowerPoint presentation, the CMHS Workbook and Exam, grading of exam, and issuance of the certificate once you pass.  Please frame your CMHS certification and hang it with pride!

Thank you for your interest in the CMHS course and for helping our military service members, their families, and all those who have served our country.

We look forward to having you on the Boots Across America team!  Please let us know any time we can help.

Understand Leave & Earnings Statement to accurately calculate
Income for loans and budgets
What happens to pay when a servicemember is injured
Expand capabilities to strengthen neighborhoods
Lenders, Realtors, Housing Counselors, appraisers, etc, team up
Enhance qualification for Department of Defense & contractor jobs
…. And so much more!

To register for this course and get certified, please use the information and link below, provided through University (National Mortgage Professional Magazine).  Please scroll down to the bottom of this page when you are ready.

Upon successful completion of the CMHS exam, the certificate is auto-issued, ready to frame, and proudly display.

If your entire office gets their CMHS certification we will issue a certificate with the name of your company for display in your office reception area.

 In creating your team, please share this information with anyone who might be interested in getting CMHS certified and teaming up with you, such as Realtors, lenders, appraisers, title companies, etc.  Don’t forget your processors and underwriters.  Create and market a team that can move your clients through the pipeline to an easy, timely closing with no glitches from anyone who touches the loan, including the closing team.

 Your team photo makes a great marketing opportunity for your local publications, helping you reach those clients who need skilled, trained CMHS professionals who know how to work with them.

Thank you for your enthusiasm to help our military service members, veterans, and their families through the Certified Military Home Specialist course.  I look forward to having you and your team join Boots Across America!  Please let me know any time I can help.

The economic struggles of our nation have taken their toll on our service members, adding an extra burden to the missions these American heroes courageously and consistently achieve. While they serve and protect our freedom every day, let’s do our best to give back in whatever ways we can.