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    Popular Courses

    Compliance Workshop

    Compliance Workshop

    $750
    Cyber Security and Privacy

    Cyber Security and Privacy

    $49
    Required Mortgage Compliance Program

    Required Mortgage Compliance Program

    $199
    20 Hour FEDERAL SAFE NMLS PE ID# 7366 Mortgage Loan Originator

    20 Hour FEDERAL SAFE NMLS PE ID# 7366 Mortgage Loan Originator

    $349
    Anti-Money Laundering Education Program

    Anti-Money Laundering Education Program

    $99
    Mortgage Origination Practices

    Mortgage Origination Practices

    $697
    Mortgage Processing Fundamentals

    Mortgage Processing Fundamentals

    $497
    Mastering Mortgage Math

    Mastering Mortgage Math

    $247
    Qualifying Borrowers Using Tax Returns

    Qualifying Borrowers Using Tax Returns

    $149
    Redesigned URLA – How To Use The New 1003

    Redesigned URLA – How To Use The New 1003

    $49 Free
    22 Hour FLORIDA SAFE NMLS PE ID#7366 Includes FL 2 hour NMLS ID#11185 Mortgage Loan Originator

    22 Hour FLORIDA SAFE NMLS PE ID#7366 Includes FL 2 hour NMLS ID#11185 Mortgage Loan Originator

    $349
    Impact on Customers

    Impact on Customers

    $149
    Mortgage Professional Spotlight

    Mortgage Professional Spotlight

    Free
    21 Hour Connecticut SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator

    21 Hour Connecticut SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator

    $398 $349
    Mortgage Origination Fundamentals

    Mortgage Origination Fundamentals

    $349

    Latest News Origination News

    The Latest Information

    7 Hours in Front of 125 Real Estate Agents! Loan Originators Pay Attention! Now Is The Time…Learn to Teach Real Estate Continuing Education!
    March 29, 2023

    In the last 3 weeks, I spent 7  hours in front of 125 real estate agents!  A captive audience.  Curious how I got there? If you’ve read this far, this is not a brag post.  It’s an opportunity for you …

    Jeanne Kelly & Debra Killian Announce New Program for Originators Working with Realtors!
    January 03, 2023

    Join Jeanne Kelly Credit Coach and Debra Killian on Credit Over Coffee as they discuss getting into the mortgage industry and Debra’s E-Course, Mortgage Origination Practices. 2023 will be a challenging year for most mortgage companies and originators. Everyone wants …

    Employee or Independent Contractor Classification Under the Fair Labor Standards Act
    December 20, 2022

    On October 13, 2022 the Federal Department of Labor published findings in Vol. 87, No. 197 of the Federal Register. The W-2/1099 controversary hits many businesses.  As stated in previous posts, there is no special 1099 consideration for mortgage loan …

    Mortgage Company Compliance Requirements for AML Training
    July 11, 2022

    How does a mortgage company meet the statutory requirement for Anti-Money Laundering education? The question comes up because many companies do not comply with the annual education requirement for all employees. In our opinion the law and regulations on AML …

    UDAAP-ECOA-TILA Are You Ready for Examiners?
    May 27, 2022

    The overlap between federal and state laws and regulations becomes very apparent once there is an examination and/or an enforcement action. With COVID dominating our work environment over the past two years, not many audits or exams were scheduled by …

    8 Episodes of Fundamentals of Processing Teaches the WHY!
    May 15, 2022

    Mortgage Processing Fundamentals is an on-demand, video recorded program which presents the base of knowledge needed to succeed at residential mortgage processing. The course is written and presented by a 25-year seasoned loan originator who has processed her own loans. …

    Changes to the Appraisal Form and Data Coming!
    March 16, 2022

    With the new URLA behind us…along comes the next major change in residential lending. Fannie Mae and Freddie Mac (aka the GSEs) have provided an update on the new URAR.  Yes, the Uniform Residential Appraisal Report is undergoing some major …

    The Feds Beef Up Employment Enforcement on Independent Contractors
    February 14, 2022

    With rates going up, refinance volume quickly heading south and originators looking for the next shiny thing, we are bound to see movement in the industry.  That means mergers, buyouts and some companies closing.  Migrating originators can be a tricky …

    Fannie Mae COVID Guideline Change
    February 02, 2022

    With the pandemic pointing toward endemic, it’s a relief that the GSEs are starting to look at removing some of the COVID-related guidelines.  Self-employed borrowers may find it a bit easier to qualify for a mortgage now…,just in time as rates …

    The Myths and Realities -1099 vs W-2 for Loan Originators!
    November 01, 2021

    As someone who has followed this topic for many years, with many debates, I’ve heard it all.  Just today, posts on Facebook brought it up…again!  What’s different now is a few weeks ago, I decided to get reliable information from …

    Redesigned URLA Video – How to Use the 2021 Loan Application
    October 25, 2021

    Ahhh…another industry change while volume is at an all time high!  Just what we need in 2021!  We started talking about the new URLA in 2018; and then it changed…and then it changed again.  Finally! After several years of the …

    CLOES.online – On Demand BSA/AML Training
    October 13, 2021

    Real estate transactions are the easiest way to launder money due to the size of the transactions and the amount of money that can be “cleaned”.  All financial institutions are required to comply with the Bank Secrecy Act. Money laundering …

    Real Estate Update May 2021
    May 11, 2021

    Don’t Try to Outsmart the Markets Getting ready to refinance your mortgage but waiting for rates to fall just one more time? Is that extra 1/8th percent ready to drop? Some consumers begin to follow economic news and perform no …

    Real Estate Update March 2021
    March 03, 2021

    Don’t Try to Outsmart the Markets Getting ready to refinance your mortgage but waiting for rates to fall just one more time? Is that extra 1/8th percent ready to drop? Some consumers begin to follow economic news and perform no …

    Real Estate Update December 2020
    December 01, 2020

    Don’t Try to Outsmart the Markets Getting ready to refinance your mortgage but waiting for rates to fall just one more time? Is that extra 1/8th percent ready to drop? Some consumers begin to follow economic news and perform no …

    Our Courses

    Compliance Workshop Read More
    Debra Killian

    Compliance Workshop

    Debra Killian
    0
    23
    students
    $750
    Cyber Security and Privacy Read More
    Debra Killian

    Cyber Security and Privacy

    Debra Killian
    1
    196
    students
    $49
    Required Mortgage Compliance Program Read More
    Debra Killian

    Required Mortgage Compliance Program

    Debra Killian
    0
    0
    student
    $199
    20 Hour FEDERAL SAFE NMLS PE ID# 7366 Mortgage Loan Originator Read More
    Debra Killian

    20 Hour FEDERAL SAFE NMLS PE ID# 7366 Mortgage Loan Originator

    Debra Killian
    23
    350
    students
    $349
    Anti-Money Laundering Education Program Read More
    Debra Killian

    Anti-Money Laundering Education Program

    Debra Killian
    2
    50
    students
    $99
    Mortgage Origination Practices Read More
    Debra Killian

    Mortgage Origination Practices

    Debra Killian
    18
    141
    students
    $697
    Mortgage Processing Fundamentals Read More
    Debra Killian

    Mortgage Processing Fundamentals

    Debra Killian
    8
    0
    student
    $497
    Mastering Mortgage Math Read More
    Debra Killian

    Mastering Mortgage Math

    Debra Killian
    4
    25
    students
    $247
    Qualifying Borrowers Using Tax Returns Read More
    Debra Killian

    Qualifying Borrowers Using Tax Returns

    Debra Killian
    0
    62
    students
    $149
    Redesigned URLA – How To Use The New 1003 Read More
    Debra Killian

    Redesigned URLA – How To Use The New 1003

    Debra Killian
    0
    0
    student
    $49 Free
    22 Hour FLORIDA SAFE NMLS PE ID#7366 Includes FL 2 hour NMLS ID#11185 Mortgage Loan Originator Read More
    Debra Killian

    22 Hour FLORIDA SAFE NMLS PE ID#7366 Includes FL 2 hour NMLS ID#11185 Mortgage Loan Originator

    Debra Killian
    3
    38
    students
    $349
    Impact on Customers Read More
    Debra Killian

    Impact on Customers

    Debra Killian
    1
    0
    student
    $149
    Mortgage Professional Spotlight Read More
    Debra Killian

    Mortgage Professional Spotlight

    Debra Killian
    1
    2
    students
    Free
    21 Hour Connecticut SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator Read More
    Debra Killian

    21 Hour Connecticut SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator

    Debra Killian
    3
    15
    students
    $398 $349
    Mortgage Origination Fundamentals Read More
    Debra Killian

    Mortgage Origination Fundamentals

    Debra Killian
    25
    37
    students
    $349
    Learn more