logo-top-1

NMLS LICENSING COURSES

View More
logo-top-2

MORTGAGE ORIGINATION COURSES

View More
favicon

ALL COURSES

View More

Popular Courses

Latest News

Our Latest Posts!

Debra Killian
March 16, 2022

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...

Read More
Debra Killian
October 5, 2020

Real Estate Update October 2020

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...

Read More
Don DeRespinis
August 19, 2019

Introducing the Loan Originator Pre-licensing Education Sequel Course “Mortgage Professional Practices”

A complete video presentation on the "Best Practices" of mortgage loan originators.

Read More
Don DeRespinis
September 4, 2018

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...

Read More
Debra Killian
June 1, 2020

Real Estate Update Newsletter June 2020

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...

Read More
Debra Killian
September 24, 2019

What Happens at Conferences…Should Come Home with You!

Years ago, a local competitor asked me, “Why do you attend all these mortgage conferences? What a waste of time.” I responded “because that’s where Professionals learn.” Several years later one of his originators had their license revoked for copying and pasting signatures! Not all associations or conferences make...

Read More
Debra Killian
August 9, 2019

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...

Read More
Debra Killian
February 21, 2025

Mortgage Training Doesn’t Have to Be Overwhelming or Expensive—Here’s a Better Way!

Looking for a smarter, more affordable way to learn the mortgage business? If you are preparing to pass the NMLS exam and start a career as a mortgage loan originator (MLO), it comes with a steep learning curve. You need to understand complex loan products, strict guidelines, compliance rules...

Read More
Debra Killian
December 20, 2022

Employee or Independent Contractor Classification Under the Fair Labor Standards Act

On October 13, 2022 the Federal Department of Labor published findings in Vol. 87, No. 197 of the Federal Register. The W-2/1099 controversary hits many businesses.  As stated in previous posts, there is no special 1099 consideration for mortgage loan originators.   Regardless of which state you work in or...

Read More

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.

 

2018 CE Product

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.