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05 February

NAMB Offers Mortgage Professional Practices Course!

Charter Oak Systems, LLC and CLOES.online is pleased to announce the National Association of Mortgage Brokers (NAMB) now offers a new Online, On Demand Video-Recorded course, Mortgage Professional Practices. NAMB is committed to continuing to build a robust, education platform to support the professionalism of all mortgage originators. Most originators agree, none of us were really ever educated. Yes, we got on-boarding, prospecting, internal systems, policies and procedures training but, where would we have gone …

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11 January

Introducing The Mortgage Professional Certification

The Mortgage Professional Certification is the first verifiable loan originator competency certification available to Mortgage Loan Originators. Now Loan Originators can prove they have and use the education necessary to originate a compliant mortgage under a defined code of conduct. Lenders and Banks can be assured their originators have the proper training to fulfill their legal obligations under the SAFE Act and Dodd-Frank. Certified Mortgage Professionals are required to attend over 60 hours of intensive …

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05 December

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. • Courses must be completed within 24 hours from when you complete the BioSig. • Plan time to learn. • Be strategic in selecting your starting time. …

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01 December

Introducing Course Schedules

Course Schedules allows students to participate in group classes at scheduled times. Many busy professionals have difficulty completing unscheduled activities because of the demands on their time. These busy professionals prefer to commit to a scheduled time activity over a period of 1 to 4 weeks. Course Schedules allows you to participate in a scheduled program and when you can’t make a session just reschedule it. Re-watch any class session at your convenience anytime on …

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26 November

Will You Be Ready for Transitional MLOS?

November 24, 2019 – That’s not a typo, yes, it’s one year away! Did you know federal law mandates states implement “transitional licensing authority” by November 24, 2019?  If you manage originators in a depository, have you considered if this will impact you and if so how?  How about recruiters for non-depositories? Will bank or credit union originators, want to move?  Will non-depository lenders start to aggressively recruit?  Should depositories empower their originators NOW to …

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19 November

Did the CFPB Mandate Education for Bank Originators?

Did the game just change?   For the sake of full disclosure, I am an originator, course developer and trainer. I think you may want to read the recently released guidance. This is not a secret. Consumers do not know the differences between “individual originators,” registered or licensed or brokers, lenders or banks. They think we all do the same thing with a similar level of knowledge. It’s just one reason why there were so many problems leading up …

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15 November

New Federal Consumer Survey? Take a Peek!

Mortgage professionals may want to know what the government is asking your borrowers after closing. Recently the Bureau of Consumer Financial Protection (BCFP) and the Federal Housing Finance Agency (FHFA) released a new loan-level dataset, for public use; a compilation of data collected through the National Survey of Mortgage Originations (NSMO). The NSMO is a component of the National Mortgage Database (NMDB®).  It is the first comprehensive repository of detailed mortgage loan information.  The desired …

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27 October

Security on Your Computer – It Is More Important Now

Rob Chrisman  <rchrisman@robchrisman.com>  wrote an excellent summary on Cybersecurity for Mortgage Professionals in his blog. Read it at: https://www.robchrisman.com/oct-27-cybersecurity-password-tips-two-factor-authentication-blockchain-legislation-developments/ Don’t let a simple mistake reveal all of your information and the information of others.

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21 October

How To Use Presentation Notes

See detail notes about the topics discussed. When reviewing slides Select the Notes Tab to see the details. Additional comments and information not discussed is included in the Instructor Notes. Read them and remember what they say! Everything and every word is important!

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01 October

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 out what it means to be a Mortgage Professional. These courses are for individuals who are state licensed Mortgage Loan Originators.  They meets the requirements of …

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04 September

On demand NMLS PE 20 hour Video Lecture

Do you have originators that need the 20-hour, NMLS Pre-Licensing Education (PE)? What if your MLOS could watch 20 episodes of video-recorded approved courses on demand? Now they can! Register at Cloes.online today to get your company approved for our program. You will receive an email with your company link that provides your employees with a discount. Offer your MLOs the newest delivery for meeting state-license education requirements. MLOS can take up to 14 days …

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04 September

NMLS Continuing Education Webinar by Deb Killian is now available.

Meet Deb Killian in her first National NMLS Continuing Education course for 2018. 8 Hour SAFE Comprehensive Federal 2018 CE – The Mortgage Professional Find out what it means to be a Mortgage Professional This program will be available on demand and on your time. Contact deb at deb@cloes.online Connect With Me on LinkedIn cloes.online

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29 August

20 Hour SAFE Act Pre-licensing On Demand Course

The 20-hour NMLS Pre-Licensing Education (PE) course price has just been reduced to $349.00. This price now includes the NMLS fee of $30.00 and is your total cost for the course. Watch 20 episodes of video-recorded approved courses on demand! Register at Cloes.online today for our program. Contact me at deb@cloes.online 2018 NMLS CE now available at https://cloes.online/courses CLOES.online - Charter Oak Loan Originator Education System
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02 April

20 Hour Video NMLS Licenses course good for CPA 2018 Continuing Education

Cloes.online offers the only 20 Hour Full Video On-line Course Approved by NMLS for Pre-Licensing Education.  This course is an excellent choice for CPA Continuing education credits  due June 2018. 20 Hour SAFE Act Comprehensive Mortgage Loan Originator course provides a detail analysis of the laws and regulations covering the origination of a mortgage loans. It gives students basic mortgage information and skills necessary to originate a compliant mortgage loan.  It lays the groundwork for …

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