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New York State Required Mortgage Compliance Program 2026* Enroll Now
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Debra Killian

New York State Required Mortgage Compliance Program 2026*

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Debra Killian
0
21
students
$349
Anti Money Laundering 2026 Update Enroll Now
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Don DeRespinis

Anti Money Laundering 2026 Update

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Don DeRespinis
1
45
students
$49
Cybersecurity 2026 and the DOJ* Enroll Now
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Debra Killian

Cybersecurity 2026 and the DOJ*

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Debra Killian
1
196
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Required Mortgage Compliance Program* Enroll Now
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Debra Killian

Required Mortgage Compliance Program*

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Debra Killian
8
32
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$299$249
20 Hour FEDERAL SAFE NMLS PE ID# 7366 Mortgage Loan Originator Enroll Now
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Debra Killian

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

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Debra Killian
23
350
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$379$299 Includes $30 in NMLS fees
22 Hour FLORIDA SAFE NMLS PE ID#7366 Includes FL 2 hour NMLS ID#11185 Mortgage Loan Originator Enroll Now
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Debra Killian

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

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Debra Killian
3
38
students
$439$359 Includes $33 in NMLS fees
21 Hour CONNECTICUT SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator Enroll Now
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Debra Killian

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

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Debra Killian
3
55
students
$409$329 Includes $31.50 in NMLS fees
LO Compensation Rule Compliance* Enroll Now
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Debra Killian

LO Compensation Rule Compliance*

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MLO License Exam Preparation Course Enroll Now
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Debra Killian

MLO License Exam Preparation Course

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Debra Killian
5
44
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Anti Money Laundering 2025 Update Enroll Now
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Debra Killian

Anti Money Laundering 2025 Update

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Debra Killian
1
45
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First Year Originator Training Single Payment Plan Enroll Now
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Debra Killian

First Year Originator Training Single Payment Plan

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Debra Killian
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121
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First Year Originator Training Subscription Plan Enroll Now
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Debra Killian

First Year Originator Training Subscription Plan

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Debra Killian
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25
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$89$67 per month. Cancel anytime.
Origination Best Practices…The Key to Your Success! Enroll Now
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Debra Killian

Origination Best Practices…The Key to Your Success!

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Debra Killian
18
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Your First Year in Mortgages – From Licensing to Mastery Enroll Now
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Debra Killian

Your First Year in Mortgages – From Licensing to Mastery

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Debra Killian
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78
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New York State Human Rights and The Fair Housing Act* Enroll Now
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Debra Killian

New York State Human Rights and The Fair Housing Act*

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Debra Killian
1
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Latest News

Our Latest Posts!

Debra Killian
June 1, 2020

Fannie Requiring Business Accounts for Self-Employed!

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...

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Debra Killian
December 18, 2019

FHFA New 1003 Timeline: November 2020

December 18, 2020 – Did you attend one of our live seminars on the new 1003 this year? If so, we got side-railed a bit when the GSE’s delayed the implementation date. Well, it appears we are back on track. Today the FHFA and GSEs announced the mandatory deadline...

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Don DeRespinis
December 1, 2018

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...

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Don DeRespinis
April 2, 2020

Real Estate Update Newsletter April 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 shortage of due diligence trying to pick the perfect...

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Debra Killian
January 13, 2024

DOL Closes the Door on Mortgage Originators Paid as Independent Contractors

In the fast-paced world of mortgage lending, a crucial yet often overlooked issue is always lurking between companies and those mortgage loan originators they employ;  the misclassification of mortgage loan originators. Often labeled as independent contractors, many of these financial professionals find themselves in a precarious position, unable to...

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Debra Killian
May 1, 2020

Real Estate Update Newsletter 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 shortage of due diligence trying to pick the perfect...

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Debra Killian
August 1, 2024

When Starting a Mortgage Broker Business…Hope is Not a Strategy!

I have been receiving many inquiries about what it takes to start a mortgage broker business and how to get started.  I recently spoke to a gentleman who thought he wanted to start his own business, but after our lengthy conversation, he came to the conclusion “I just want...

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Debra Killian
November 2, 2020

Real Estate Update November 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 shortage of due diligence trying to pick the perfect...

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Debra Killian
March 3, 2026

“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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Don DeRespinis
December 17, 2018

CLOES.online Introduces Student Centric Interface

Now each student can select the format and user experience that works best for them.

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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.