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CLOES.online AML Program answers FinCEN challenge for Innovative Approach to AML Compliance – Expanding Requirements Under the CDD Rule and Mortgage Originators
FINRA Regulatory Notice 18-19 issued May 11, 2018 expands AML Program requirements to include additional risk-based procedures, or the “fifth pillar” required for AML programs under the new FinCEN CDD Ruling Since all AML programs are customized based upon the size and risk of a Mortgage Lender, Broker or...
Will 2018 Tax Forms Slow Down Underwriting?
Our CLOES.online Mortgage Professional Program is coming soon and I am in “content hell” but, happy to say with light at the end of the tunnel. The program will be available April 1, 2019 but there is one area I want to share because we are in tax season...
Redesigned URLA Video – How to Use the 2021 Loan Application
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 GSE’s designing formats, revising (adding and deleting) data points,...
“As California Goes, So Goes the Nation!” 1099 or W-2 Again?
Lenders, mortgage brokers and originators should be paying careful attention in all states about “misclassification” of workers. Tomorrow I will be facilitating a webinar for the California Association of Mortgage Professionals on California Assembly Bill AB5, which is shaking up the employment landscape. It’s not just California! Massachusetts, New...
DU Findings – Before & After
We like less confusing! Right after I finished my Only Three Conditions on the First Underwrite webinar today I received a FNMA update. Thank you Fannie Mae. In response to feedback from lenders and technology providers, Fannie Mae has rewritten and simplified the DU Validation Service messages. According to...
Seven Deadly Mistakes to Avoid When Setting Up a Mortgage Company!
Have you recently started your own company or still pondering if you should? This webinar will provide some insight into issues you may not have considered. Register for our January 9, 2020 LIVE webinar hosted by National Mortgage Professional Magazine (NMP); “Seven Deadly Mistakes Owners Make When Setting up...
Mortgage Originator Continuing Education 2018 – Online and On Demand
A New Kind of Licensing Course! CLOES.online At last Online Continuing Education worth taking! We have taken CE courses since 2011 and they are all the same. Presenting Deb Killian in her first National NMLS Continuing Education course for 2018. SAFE Federal 2018 CE – The Mortgage Professional. Find...
Underwriting, Appraisals and E-signature Guidance Issued by Fannie Mae Today!
Fannie Mae issued guidance today in their Lender Letters 2020-03 and 2020-04. We have reviewed the information and produced a video of highlights for you. We do not provide legal or investor advice. As with all transactions, please consult with your investor’s guidelines, compliance departments and underwriting standards and...
January 2, 2020 Originator 4-4-10
Some content is more easily digested and retained when taken online. It depends on the depth of the content, the experience of the student and the need for reinforcement. You asked for it…we got it! LIVE workshop January 15, 2020; 9:00-5:00 Martin County Realtors of the Treasure Coast, Stuart,...
Be Smart…Getting Smart!
CLOES.online has several options to complete 2018 NMLS Approved C.E. For states with no additional requirements, take the 8-Hour SAFE Comprehensive. For Florida state license renewals here is the FL 8-Hour CE. For all other states take the 7-Hour CORE, then click here to register for other state C.E. •...
What People Say
How real people felt about CLOES.online
Gedne Gosselin
The instructor was very knowledgeable and applied examples in every possible scenario, making the material easy to understand.

Student CE Class 2018
8 Hour SAFE Comprehensive Federal CE 2018 – November 2018
Deb was great in presenting the true nature of the course piece by piece and helped with her many years of experience outline some of the more critical areas of the industry and expectations. The course was excellent because the provider was an experienced mortgage veteran for many years and understands how to present the material to make sure the key points as well as the main facts of the true nature of the job are outlined while instilling the required knowledge of the federal laws and guidelines mandated in the industry.




