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New Federal Consumer Survey? Take a Peek!
Mortgage professionals may want to know what the government is asking your borrowers after closing. Recently the Bureau of Consumer Financial Protection (BCFP) and the Federal Housing Finance Agency (FHFA) released a new loan-level dataset, for public use; a compilation of data collected through the National Survey of Mortgage...
Introducing CLOES.online – Loan Originator Training Membership Subscription
Check out our new membership subscription option for any loan originator who is ready to learn how to earn more money and become a mortgage expert in under a year. This material will set up a mortgage originator for life. This plan is offered at a price everyone can...
Underwriting, Appraisals and E-signature Guidance Issued by Fannie Mae Today!
Fannie Mae issued guidance today in their Lender Letters 2020-03 and 2020-04. We have reviewed the information and produced a video of highlights for you. We do not provide legal or investor advice. As with all transactions, please consult with your investor’s guidelines, compliance departments and underwriting standards and...
“As California Goes, So Goes the Nation!” 1099 or W-2 Again?
Lenders, mortgage brokers and originators should be paying careful attention in all states about “misclassification” of workers. Tomorrow I will be facilitating a webinar for the California Association of Mortgage Professionals on California Assembly Bill AB5, which is shaking up the employment landscape. It’s not just California! Massachusetts, New...
UDAAP-ECOA-TILA Are You Ready for Examiners?
The overlap between federal and state laws and regulations becomes very apparent once there is an examination and/or an enforcement action. With COVID dominating our work environment over the past two years, not many audits or exams were scheduled by state regulators. That is all about to change. They...
4 Things Customers Need to Know BEFORE Selecting a Mortgage…
Every customer should receive a written analysis; it helps take emotion out of the equation. I do it for all my purchases and refinances. Yes, we have lots of long discussions, but hearing and seeing are two different things! The point of an analysis (particulary for refinances) is for...
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,...
Upgrade to Higher Earning with a Program of Courses in Mortgage Professional Practices
A complete video presentation on the "Best Practices" of mortgage loan originators.
Seven Deadly Mistakes to Avoid When Setting Up a Mortgage Company!
Have you recently started your own company or still pondering if you should? This webinar will provide some insight into issues you may not have considered. Register for our January 9, 2020 LIVE webinar hosted by National Mortgage Professional Magazine (NMP); “Seven Deadly Mistakes Owners Make When Setting up...
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.



