MORTGAGE PRACTICES
TAKE YOUR FIRST CLASS
LOAN ORIGINATORS
LEARN MORE
Mortgage Originators
LEARN MORE
Processing Fundamentals
VIEW COURSEPopular Courses
Latest News
Our Latest Posts!
NMLS Late C.E. Happy Leap Year!
If you really, really procrastinated taking 2019 CE be glad this is a leap year! Last fall the NMLS published a Notice on 2020 Late CE Course Catalog. The notice included rules in an overview, which if you are licensed MLO, you already know, right? But…since there are two...
GSEs Delay New 1003 Mandatory Use Date…Indefinitely!
After delaying the “optional use date”, yesterday the FHFA and GSEs announced the new 1003 mandatory use date will no longer be February 1, 2020. This should take some pressure off of lenders who were facing a deadline that was creeping up. Now, the GSEs have been directed to...
CFPB Issues Rule on TILA Financial Emergency, Rescission & Change of Circumstances
April 29, 2020 – The CFPB issued an Interpretive Rule today titled: Application of Certain Provisions in the TILA-RESPA Integrated Disclosure Rule and Regulation Z Right of Rescission Rules in Light of the COVID-19 Pandemic. The rule allows for COVID-19 to be a “financial emergency reason for borrowers to...
Debra Killian, CRMS Participates on NMLS Users Conference Panel Discussing C.E. Issues – February 20, 2019 – Orlando, FL.
Continuing Education and the Supervisory Process Hilton Orlando Lake Buena Vista1751 Hotel Plaza Boulevard, Lake Buena Vista, Florida, 32830 For the past three years, SRR has been working with the Multi-state Mortgage Committee (MMC) to understand and identify reoccurring problems discovered on mortgage exams that can be addressed through...
60 Days to Temporary Authority!
The CFPB published FAQs today for the transitional licensing. The FAQs are broken into two categories: types of loan originators and state transitional licenses. The rules are effective November 24, 2019 and allow for ELIGIBLE registered and state-licensed originators to receive temporary authority to originate during the 120 period of...
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...
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...
Changes to the Appraisal Form and Data Coming!
With the new URLA behind us…along comes the next major change in residential lending. Fannie Mae and Freddie Mac (aka the GSEs) have provided an update on the new URAR. Yes, the Uniform Residential Appraisal Report is undergoing some major changes. Here are just a few highlights: Input was gathered...
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...
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.

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.




