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DOL Closes the Door on Mortgage Originators Paid as Independent Contractors
In the fast-paced world of mortgage lending, a crucial yet often overlooked issue is always lurking between companies and those mortgage loan originators they employ; the misclassification of mortgage loan originators. Often labeled as independent contractors, many of these financial professionals find themselves in a precarious position, unable to...
20 Hr SAFE Act Course now $349 total!
20 Hour NMLS Pre-licensing Course price reduced!
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...
CLOES.online – On Demand BSA/AML Training
Real estate transactions are the easiest way to launder money due to the size of the transactions and the amount of money that can be “cleaned”. All financial institutions are required to comply with the Bank Secrecy Act. Money laundering may also involve tax fraud as well as other...
Waiting to Take Your NMLS Test? Keep Studying!
Employers may be challenged getting new originators working. If you have employees who have completed their 20-hour national education and are ready for the test, it may be a while. The NMLS has put out the following summary regarding applicants needing to take the national test for a state-loan...
DU Findings – Before & After
We like less confusing! Right after I finished my Only Three Conditions on the First Underwrite webinar today I received a FNMA update. Thank you Fannie Mae. In response to feedback from lenders and technology providers, Fannie Mae has rewritten and simplified the DU Validation Service messages. According to...
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...
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...
Jeanne Kelly & Debra Killian Announce New Program for Originators Working with Realtors!
Join Jeanne Kelly Credit Coach and Debra Killian on Credit Over Coffee as they discuss getting into the mortgage industry and Debra’s E-Course, Mortgage Origination Practices. 2023 will be a challenging year for most mortgage companies and originators. Everyone wants purchase business. This podcast will change the way you...
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.




