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Debra Killian
March 29, 2020

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...

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Debra Killian
February 25, 2019

NMLS, Regulators & Educators Work Together to Improve CE Classes!

At the 2019 NMLS User’s Conference in Orlando, FL., I participated on a panel with state regulators and a compliance attorney about how working together can improve NMLS approved Continuing Education. If educators could obtain the results of federal and state regulator’s examinations and investigations, could we could make...

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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...

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Debra Killian
November 26, 2018

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...

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Don DeRespinis
April 2, 2020

Real Estate Update Newsletter April 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...

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Debra Killian
February 14, 2022

The Feds Beef Up Employment Enforcement on Independent Contractors

With rates going up, refinance volume quickly heading south and originators looking for the next shiny thing, we are bound to see movement in the industry.  That means mergers, buyouts and some companies closing.  Migrating originators can be a tricky challenge for the next employer.  There are two issues...

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Don DeRespinis
September 5, 2024

NAR’s Home Finance Resource Certification presented by Deb Killian

NAR’s Home Finance Resource Certification presented by Deb Killian Watch video:   

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Debra Killian
November 24, 2020

Happy Thanksgiving! – 2021 Loan Limits Released!

You wouldn’t know we were in the middle of a pandemic based on the housing market.  That conforming limit keeps creeping up. It all seems crazy from when I started in the mortgage business in 1994, the conforming loan limit was $225,000. Fast forward 26 years…the 2020 limit was...

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Debra Killian
October 25, 2021

Redesigned URLA Video – How to Use the 2021 Loan Application

Ahhh…another industry change while volume is at an all time high!  Just what we need in 2021!  We started talking about the new URLA in 2018; and then it changed…and then it changed again.  Finally! After several years of the GSE’s designing formats, revising (adding and deleting) data points,...

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Don DeRespinis
April 2, 2018

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...

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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.