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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
March 26, 2020

Jobless Claims at 3.2 MILLION Today! 9 Things Every Originator Should Be Doing

Is there any good news today? I guess at least people who have filed will begin collecting some income. The mortgage world is in flux and the challenges are coming faster than we can deal with. We play a very important role as mortgage professionals by helping people make...

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Debra Killian
March 23, 2020

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...

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Debra Killian
March 22, 2020

4 Buckets of Nuggets to Consider in a Mortgage Transaction in a National Crisis!

As I write this I know the mortgage business will change. This post is not meant to provide financial or legal advice. Things will continue to change and the ONLY intent is to provide information that MAY apply to your circumstances. We are in a very uncertain time. Facts and...

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Debra Killian
July 17, 2023

Is Anti-Money Laundering (AML) Mandatory Compliance Coming for Realtors?

Do you know how money is actually laundered through real estate transactions?  Do you know your Anti-Money Laundering (AML) Training Requirements? Between 2015 and 2020, at least $2.3 billion was laundered through US real estate, with estimates by Washington, D.C. think tank Global Financial Integrity (GFI),  putting the number...

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Debra Killian
November 1, 2021

The Myths and Realities -1099 vs W-2 for Loan Originators!

As someone who has followed this topic for many years, with many debates, I’ve heard it all.  Just today, posts on Facebook brought it up…again!  What’s different now is a few weeks ago, I decided to get reliable information from a reliable source.  To help clear up the confusion,...

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Debra Killian
October 25, 2023

Under 20 Employees? Your Business May Be Subject to New Beneficial Ownership Interest (BOI) Rules!

I usually write about mortgage or real estate professionals, but since I teach Anti-Money Laundering classes, I thought it would be helpful for all small businesses to know what’s coming. On September 18, 2023 the Financial Crimes Enforcement Network (FinCEN) published the final rules for the new Corporate Transparency...

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Don DeRespinis
September 14, 2018

20 Hr SAFE Act Course now $349 total!

20 Hour NMLS Pre-licensing Course price reduced!

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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...

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Debra Killian
December 18, 2019

FHFA New 1003 Timeline: November 2020

December 18, 2020 – Did you attend one of our live seminars on the new 1003 this year? If so, we got side-railed a bit when the GSE’s delayed the implementation date. Well, it appears we are back on track. Today the FHFA and GSEs announced the mandatory deadline...

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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.