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MORTGAGE EDUCATION and CE
Under 20 Employees? Your Business May Be Subject to New Beneficial Ownership Interest (BOI) Rules!
I usually write about mortgage or real estate professionals,...
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...
Is Anti-Money Laundering (AML) Mandatory Compliance Coming for Realtors?
Do you know how money is actually laundered through...
“Accelerate Your Success with Our Exclusive 20-Hour Pre-Licensing Education Program: Unbeatable Value at Just $199!”
Ready to embark on a rewarding career as a...
7 Hours in Front of 125 Real Estate Agents! Loan Originators Pay Attention! Now Is The Time…Learn to Teach Real Estate Continuing Education!
In the last 3 weeks, I spent 7 hours...
Jeanne Kelly & Debra Killian Announce New Program for Originators Working with Realtors!
Join Jeanne Kelly Credit Coach and Debra Killian on...
Employee or Independent Contractor Classification Under the Fair Labor Standards Act
On October 13, 2022 the Federal Department of Labor...
Mortgage Company Compliance Requirements for AML Training
How does a mortgage company meet the statutory requirement...
UDAAP-ECOA-TILA Are You Ready for Examiners?
The overlap between federal and state laws and regulations...
8 Episodes of Fundamentals of Processing Teaches the WHY!
Mortgage Processing Fundamentals is an on-demand, video recorded program...
Changes to the Appraisal Form and Data Coming!
With the new URLA behind us…along comes the next...
The Feds Beef Up Employment Enforcement on Independent Contractors
With rates going up, refinance volume quickly heading south...
Fannie Mae COVID Guideline Change
With the pandemic pointing toward endemic, it’s a relief...
The Myths and Realities -1099 vs W-2 for Loan Originators!
As someone who has followed this topic for many...
Redesigned URLA Video – How to Use the 2021 Loan Application
Ahhh…another industry change while volume is at an all...
CLOES.online – On Demand BSA/AML Training
Real estate transactions are the easiest way to launder...
Real Estate Update May 2021
Don’t Try to Outsmart the Markets Getting ready to...
Real Estate Update March 2021
Don’t Try to Outsmart the Markets Getting ready to...
Real Estate Update December 2020
Don’t Try to Outsmart the Markets Getting ready to...
Happy Thanksgiving! – 2021 Loan Limits Released!
You wouldn’t know we were in the middle of...
testimonials
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.
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15-Minute Mortgage Professional Consultation$125.00Add to cart
This forum covers each of your sessions and documents worked on. You will be able to review your session recordings or even delete them if you wish. Send and…
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20 Hour SAFE Comprehensive FEDERAL – Mortgage Loan Originator ID# 7366$299.00Add to cart
NOTE: An NMLS ID# is not required to take the course. When asked for an NMLS ID# just enter any unique number.
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30-Minute Mortgage Professional Consultation$225.00Add to cart
This forum covers each of your sessions and documents worked on. You will be able to review your session recordings or even delete them if you wish. Send and…
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60-Minute Mortgage Professional Consultation -Deep Dive$395.00Add to cart
This session is designed to provide ample time for participants to review loan level, specific information for the purpose of structuring or restructuring difficult mortgage applications. We cover income…
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Bank Secrecy Act and Anti-Money Laundering$99.00Add to cart
Course Outline BSA/AML Why Should we Care! Definitions Customer Identification Program Failure to Comply with reporting requirements Penalties for Non-Compliance Current Initiatives and Take Aways on AML Learning Objectives…
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Compliance Workshop$750.00Add to cart
Learn the basics of mortgage compliance requirements by taking this 3 part course on the laws covering State Licenses Mortgage Loan Originators and Processors.
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CONNECTICUT 21 Hour SAFE Comprehensive Pre-Licensing Bundle$329.00Add to cart
This course, CT-MLO, is designed for individuals obtaining a Connecticut state license as a Mortgage Loan Originator, “M-L-O’s” for short. It meets the requirements of Connecticut for the Pre-licensing…
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Consumer Protection and Other Federal Laws$49.00Add to cart
Outline Red Flags Rule Federal Trade Commission Homeowner and Economic Recovery Act (HERA) Disclosure Provisions of the HPA Higher Priced Mortgage Loans HPML Definition Restrictions Dodd-Frank Wall Street Reform…
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Conventional Financing$49.00Add to cart
Outline Conventional Financing Traditional Conventional Loans 15-Year Mortgage Loans Conforming versus Nonconforming Loans Conventional Loan Programs 80% LTV Conventional Loan Higher LTV Loans Learning Objectives Comprehend overview…
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Credit History and Loan Closing$49.00Add to cart
Outline Credit Reports and Scores Credit Repositories Consummation Consummation Closing Disclosure Clearing Title Conditions Settlement Reconciliation Down payment Reserves Third Party Verification Gifts Proration and Expenses Calculating Per Diem…
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Cybersecurity and Privacy Laws$49.00Add to cart
Gramm-Leach-Bliley (GLB) and Cybersecurity Laws require all companies and employees to understand the requirements for collecting and safeguarding customer non-public information. This session covers GLB privacy rules and 23…
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Equal Credit Opportunity Act$49.00Add to cart
Laws Prohibiting Discrimination Equal Credit Opportunity Act (ECOA) ECOA Requirements Enforcement Disclosures Fair Housing Act Fair Housing Act Exemptions Fair Housing Violations Discrimination in Mortgage Lending Discriminatory Practices Enforcement…
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Ethical and Legal Considerations$49.00Add to cart
Outline Ethical and Legal Considerations National Association of Mortgage Brokers Code of Ethics Ethics in Advertising Discrimination Protected Classes Prohibited Practices Other Types of Discrimination Disclosure and Privacy Truth…
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Ethics and RESPA$49.00Add to cart
Outline Ethics and RESPA Real Estate Settlement Procedures Act (RESPA) Section 8 Kickback Prohibition Ethics and Protection of Data Gramm-Leach-Bliley Act Fair Credit Reporting Act and the FACT Act…
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Federal Mortgage Laws Update 2019$99.00Add to cart
Update of Federal Mortgage Laws 2018 Statutory and Regulatory Update 2018 Outline Permissible Fees and Finance Charges The Black Hole Regulatory Environment Regulatory Relief and Consumer Protection Act Learning…
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FHA Loan Programs$49.00Add to cart
Outline Federal Housing Administration (FHA) Insured Loans Mutual Mortgage Insurance Fund FHA Underwriting Standards Property Guidelines for FHA Loans FHA Loan Regulations Mortgage Insurance Premium Seller Contribution Limits Prepayment…
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Finance Instruments$49.00Add to cart
Outline Finance Instruments Promissory Notes Negotiable Instruments Security Instruments Trust Deeds Mortgages Judicial Foreclosure Procedure Typical Clauses in Finance Instruments Acceleration Clause Alienation Clause Defeasance Clause Partial Release, Satisfaction,…
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Financing Insurance Requirements$49.00Add to cart
Outline Private Mortgage Insurance (PMI) How Mortgage Insurance Works PMI Premiums PMI Cancellation Secondary Financing Combined Loan-to-Value (CLTV) Conditions Lender First and Lender Second Repayment Methods on Second Mortgages…
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How Mortgage Originators Work$49.00Add to cart
Learning Objectives 1. Identify the role of the mortgage professional 2. Learn differences between Prequalification and Preapproval 3. Learn about the loan process Teaching Methods: Power Points, Video PowerPoint…
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Impact on Customer$79.00Add to cart
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…
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Instruct Program Registration$997.00Add to cart
Are you a mortgage loan originator looking to expand your professional horizons and make a lasting impact in the real estate industry? Our comprehensive course, “The INSTRUCT Program” will…
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Interests in Real Property$49.00Add to cart
Outline Deeds Requirements of a Valid Deed Warranty Deeds Deeds without Warranties Evidence of Marketable Title Public Records Notice Chain of Title Race Notice Rule Marketable Title Act Title…
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Loan Originator Licensing$49.00Add to cart
Outline: Home Economic Recovery Act (HERA) Nationwide Mortgage Licensing System and Registry Creation of the NMLS Objectives of the SAFE Act Definitions of Mortgage Functions Entities Regulated State Licensing…
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Mastering Income Calculations for Rock-Solid Preapprovals – The Professional Way!$0.00Add to cart
FREE Expert Course Alert: Mastering Income Calculation for Rock-Solid Preapprovals (Retail price of $149.00) Elevate your skills and make a real impact in the mortgage world? Avoid denials and…
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Mastering Mortgage Math$247.00Add to cart
Learn the math that mortgage experts use to quote loan programs and to get loan approved and closed on time.
This course covers the essential mortgage calculations needed to fully…
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Mortgage Advisor Compliance Program$697.00Add to cart
Check out the Course page here: https://cloes.online/course/mortgage-advisor-compliance-program/
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Mortgage Fraud and Predatory Lending$49.00Add to cart
Outline Ethics and Mortgage Fraud Fraud and Conspiracies Fraud for Profit Housing Fraud Red Flags of Mortgage Fraud Transaction Fraud Fraud Participants Appraisal Independence Flipping Other Types of Mortgage…
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Mortgage Industry$10.00Add to cart
Outline A Brief History of Mortgage Lending The Story of Mortgage Lending Key Terminology Government Agencies Federal Housing Finance Agency (FHFA) Federal Housing Administration Industry Participants – Primary Mortgage…
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Mortgage Processing Fundamentals$497.00Add to cart
Mortgage Processing Fundamentals is an on-demand, video recorded program which presents the base of knowledge needed to succeed at residential mortgage processing. This course is a comprehensive hands on training…
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Mortgage Professional Advanced Practices$349.00Add to cart
View the course here: Mortgage Professional Advanced Practices Course Welcome. This course is designed for individuals working as Mortgage Loan Originators or other Mortgage Professionals. It provides a detailed…
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Mortgage Professional Consultation – Free TrialRead more
This forum covers each of your sessions and documents worked on. You will be able to review your session recordings or even delete them if you wish. Send and…
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Mortgage Professional Final Assessment$79.00Add to cart
This session is used to determine that your educational plan has been met. We seek to understand your final level of knowledge of the laws and regulations covering mortgage…
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Mortgage Professional Practices 2$349.00Add to cart
View the course here: Mortgage Professional Mortgage Practices 2 A New Kind of On-line Course Welcome. This course is designed for individuals working as Mortgage Loan Originators or other…
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Mortgage Topic CourseRead more
Outline A Brief History of Mortgage Lending The Story of Mortgage Lending Key Terminology Government Agencies Federal Housing Finance Agency (FHFA) Federal Housing Administration Industry Participants – Primary Mortgage…
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Non-QM and Adjustable Rate Loans$49.00Add to cart
Outline The Use of Nontraditional Mortgage Products Interagency Guidelines Guidance on Nontraditional Mortgage Products Statement on Subprime Mortgage Lending Predatory Lending Subprime Loans Assessing Risk Adjustable Rate Mortgages (ARMs) How…
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Non-Traditional Products Advanced Update$99.00Add to cart
Non-Traditional Products Advanced Update Statutory and Regulatory Update 2018 Outline Current Products offered today Appropriate Guidance Interest and Payments Negative Amortization Other Non-traditional Loan Programs Learning Objectives …
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Non-Traditional Products Update$99.00Add to cart
Outline Non-Traditional Products Update It Wasn’t just the …. Loan Originator Compensation Subprime What is it The “Statement on Subprime Lending” A Solution? Where are We Now? Slowly coming…
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Other Non-traditional Products$49.00Add to cart
Outline Interest Only Loans Participation Plans Negative Amortization Loans Other ARM Provisions Structured Mortgages Reverse Mortgages Construction Financing Learning Objectives Demonstrate knowledge of interest only loans …
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Qualifying Borrowers Using Tax Returns$149.00Add to cart
This session reviews commonly used IRS forms and how to use them for qualifying income under the Ability to Repay Rules. Become a income expert. Master this analytical skill…
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Real Estate Appraisals$49.00Add to cart
Outline Real Estate Appraisal Appraisal Approaches Uniform Standards of Professional Appraisal Practice (USPAP) The Uniform Residential Appraisal Report (URAR) Characteristics of Real Estate Value Characteristics Physical Characteristics Property-Specific Factors…
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Required Mortgage Compliance Training Program$129.00Add to cart
This program includes the minimum requirements for: BSA/Anti Money Laundering (meets requirements for three years) ECOA and Other Protections GLB and Cybersecurity
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RESPA Update$99.00Add to cart
Course Outline RESPA Overview RESPA Tolerances RESPA Prohibitions More RESPA Prohibitions Marketing Service Agreements MSA Court Decisions Successor in Interests Continuity of Contracts and Loss Mitigation Learning Objectives To…
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The LO Compensation Rule Compliance$59.00Add to cart
The Loan Officer Compensation (LO Comp) Rule was introduced by the Federal Reserve (Fed) on August 16, 2010. It was transferred as part of the Dodd-Frank Wall Street Reform…
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The Underwriting Process$49.00Add to cart
Outline Loan to Value Ratio (LTV) Qualifying a Borrower Credit Ability to repay Property Eligibility Assess Risks Analyzing Borrower and Property Capacity Credit Collateral Analyzing assets Down payment Reserves…
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Truth in Lending and RESPA$49.00Add to cart
Outline Department of Housing and Urban Development Act HUD’s Mission Federal Housing Administration Truth in Lending Act (TILA) Reg ‘Z’ Disclosures Annual Percentage Rate (APR) Loan Estimate (LE) Finance…
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Truth in Lending Recsissions$99.00Add to cart
Outline Why Consumers Recind? Refinancing Rights To Recind Effects of Rescission Learning Objectives To understand TILA Refinancing Right to Rescind To understand who…
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Truth in Lending Update$79.00Add to cart
Course Outline TILA Definitions Part a TILA Definitions Part B TILA Review Advertising Requirements Permissible Finance Charges APR Tolerances Disclosed Finance Charges Learning Objectives To…
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UDAAP$99.00Add to cart
Course Outline UDAAP UDAAP Acts and Practices UDAAP Post Crisis UDAAP Summary Learning Objectives To understand what UDAAP stands for. To understand the definition of “material” To understand what…
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VA and USDA Loans$49.00Add to cart
Outline VA-Guaranteed Loans Loan Limits for VA Loans Borrower Guidelines for VA Loans Qualifying Standards Property Guidelines for VA Loans Entitlement VA Loan Regulations VA Loan Programs Comparison of…
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