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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...
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...
Waiting Until 70 For Social Security Benefits may not make sense and here is why.
Waiting Until 70 For Social Security Benefits may not make sense and here is why.
20 Hr SAFE Act Course now $349 total!
20 Hour NMLS Pre-licensing Course price reduced!
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....
1099 vs. W-2: How Employers Get Caught! Take Action Now!
In the final episode of our 4-part series (Dynamex vs. Superior Court CA), we discuss how employers are reported and steps to consider if the potential for misclassification is present. Routine state or IRS company audits may also trigger an investigation. 4 Part Mini- Series Dynamex Operations West Inc,...
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...
I am Supposed to Know All the Labor Laws?
So, now I am entrenched in all things Mortgage Businesses must know about employment. Everyday sipping my coffee, I read! Blogs, newsletters, announcements, court cases, compliance issues and a myriad of other topics for about an hour. The topics range from mortgage compliance to IRS issues to mortgage fraud....
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...
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...
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.



