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Temporary Authority W-2 Requirement
For those who have been following our series and attending our webinars on 1099 v. W-2, here’s a new consideration in the age-old debate. The Economic Growth, Regulatory Relief and Consumer Protection Act (EGRRCPA) revised the SAFE Act. Effective Monday, November 25, 2019 the revision allows QUALIFIED Registered (depository)...
20 Hr SAFE Act Course now $349 total!
20 Hour NMLS Pre-licensing Course price reduced!
Real Estate Update May 2021
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...
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.
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...
CLOES.online Introduces Student Centric Interface
Now each student can select the format and user experience that works best for them.
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....
Reduce Costs While Providing Real Mortgage Professional Development!
It’s December 2019. Your entire origination staff just got Certified by a 25 year mortgage veteran. Your underwriting conditions are cut in half due to less touches on more profitable files. Your customer service has improved dramatically and the stress level with all employees is greatly reduced. Not to...
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,...
California’s AB 3108: New Felony Charges for Mortgage Brokers
When a Borrower Doesn’t Qualify for Conventional Financing—Think Twice Before Defaulting to Non-QM! It’s tempting to label a loan as investment purpose when a borrower doesn’t meet conventional guidelines—even when they plan to occupy the home as a primary residence. Well, that loophole just slammed shut! California’s AB 3108...
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.



