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Debra Killian
August 17, 2023

CFPB Issues Fines for Favors: Mortgage and Real Estate Firms Handed $1.95M Penalty for RESPA Violations

In a startling turn of events, two major players in the mortgage and real estate industry have been dealt a hefty blow with fines totaling a staggering $1.95 million. The penalties come as a result of their failure to comply with the Real Estate Settlement Procedures Act (RESPA), a...

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Debra Killian
December 5, 2018

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. •...

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Don DeRespinis
May 4, 2018

Mortgage Origination Career Opportunity Video

Find out about the opportunities as a State Licensed Mortgage Loan Originator. How to get a license. How much can you make. Who do you work for. Watch this Video Presentation. http://learn.cloes.online/organization/1/view/17997-tecxs-fxrwM-Wmp1W  

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Debra Killian
April 3, 2019

Mortgage Classes You Can Actually Use!

The Mortgage Professional Program Starting May 1, 2019 What if I told you, you could get 25 years of experience in nine months? And what if during this time of learning and growth you were challenged, you learned how to think differently…work more efficiently, more profitably and even build...

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Debra Killian
September 30, 2019

The California Case of 1099 vs. W-2!

Recently California Governor Gavin Newsom signed into law rules for classifying workers. It started out with Uber, Lyft and other independent operators. It may affect your mortgage business. The law takes effect January 1, 2020. This 4-part mini-series streaming this week is comprised of 5-10 minutes videos highlights key...

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Debra Killian
May 15, 2022

8 Episodes of Fundamentals of Processing Teaches the WHY!

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. The fundamentals are universal and can be applied to...

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Don DeRespinis
October 31, 2017

20 Hour SAFE Act Mortgage Loan Originator course Approved by NMLS

 The 20 Hour SAFE Act Mortgage Loan Originator course ID # 7366 was recently approved by NMLS for online delivery. The course is required by all Mortgage Loan Originators and Independent Mortgage Processors as a pre-requisite for obtaining a mortgage loan originator license. The course is 20 hours of...

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Debra Killian
June 13, 2023

“Accelerate Your Success with Our Exclusive 20-Hour Pre-Licensing Education Program: Unbeatable Value at Just $299!”

Ready to embark on a rewarding career as a mortgage loan originator? Look no further! We’re thrilled to announce our latest offering: the comprehensive 20-Hour Safe Pre-Licensing Education Program  Our newest course was written by and taught by veteran mortgage loan originator Debra Killian.   It’s packed with valuable insights,...

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Debra Killian
December 20, 2022

Employee or Independent Contractor Classification Under the Fair Labor Standards Act

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 originators.   Regardless of which state you work in or...

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Debra Killian
April 20, 2020

Hey…What’s a Tripod? I Want One!

Learn how to get YOUR Tripod. Free LIVE Webinar on May 5th 12:00 Noon ET! In this COVID-19 world, companies need all possible resources at their fingertips to keep businesses going and growing to recruit and provide quality professional development in a safe environment. Is consumer direct the future...

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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.

 

2018 CE Product

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.