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Debra Killian

MLO Licensing to Mastery – Your 1st Year

February 15, 2024

The definition of insanity: doing the same things over and over and expecting different results. Welcome to the mortgage business! Mortgage company owners and recruiters often entice new Mortgage Loan Originators (MLOs) into the industry with the allure of minimal entry requirements. However, this approach frequently leads to a puzzling outcome: these new entrants struggle to succeed. The critical question arises: where is the emphasis on truly understanding the mortgage business? Beyond the basics of …

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Debra Killian

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

June 13, 2023

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, industry knowledge, and expert guidance and is designed to equip you with the essential skills needed to thrive in the mortgage industry. We believe that high-quality …

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Debra Killian

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 to get in front of your target audience and with someone else driving them into your seats!  It’s to make you realize, you have to be different from your competitors to get different results than …

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Debra Killian

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 state regulators.  That is all about to change.  They are way behind and will begin the process of catching up sooner than you may be ready for. In many cases where mortgage companies get caught …

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Debra Killian

Fannie Requiring Business Accounts for Self-Employed!

June 1, 2020

My analogy to guidelines these days is they are like trying to hold jello in the palm of your hand.  Squishy, slippery, moving; slipping through your fingers! Patience is a virtue!  We need to understand that underwriters spend MUCH more time determining the amount of income that can be used for qualifying, how consistent it is or will be, the job status of employees, viability of employer’s business and documenting the file to meet secondary …

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Debra Killian

CLOES.online Announces a New Product For Originators!

May 18, 2020

Recently a mortgage loan originator in another state contacted me for help.  He was stuck with an underwriter and was challenged by how to calculate the self employment income.  In that conversation he told me how helpful it would be to originators to have a “loan advisor” to consult with.  He encouraged me to set up Advisory Sessions and they are now available to any originator who knows the value of time.  In addition to …

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Don DeRespinis

When You Know 1,000 Mortgage Concepts…Tech Can’t Compete!

February 26, 2020

In December, 2019 McKinsey & Company’s article “Competing on Customer Experiences in US Mortgage,” they sited reassurance, transparency, simplicity, and speed as the four dimensions of a mortgage experience.  The #1 priority; GETTING THINGS RIGHT, THE FIRST TIME!  Speed and simple processes are up there, but what do you have to know to get it right the first time? Consumers still like advisors; someone to run things by, ask questions, review the numbers with and rely on …

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Debra Killian

What Happens at Conferences…Should Come Home with You!

September 24, 2019

Years ago, a local competitor asked me, “Why do you attend all these mortgage conferences? What a waste of time.” I responded “because that’s where Professionals learn.” Several years later one of his originators had their license revoked for copying and pasting signatures! Not all associations or conferences make sense for all participants. Being a member of more than one association can yield better results than the voice of one. When reviewing conference agendas narrow …

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Debra Killian

IMPACT – Can Empathy Exist in Mortgage Transactions?

August 13, 2019

Originators have a significant impact on the psychological emotional, and financial well-being of every consumer they interact with and it stays with them well beyond the closing. Let’s also not forget impact on our bosses, co-workers, real estate referral and other partners and our companies! We believe this is such a neglected topic, we made the first episode in the Mortgage Professional Practices program, IMPACT- Psychological, Emotional and Financial Impact, Empathy in Mortgage Transactions. Real …

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