GET ADVANCED EDUCATION NOW!

MORTGAGE PRACTICES

TAKE YOUR FIRST CLASS
DESIGNED FOR

LOAN ORIGINATORS

LEARN MORE
Professional Development for

Mortgage Originators

LEARN MORE
GET THE JOB DONE NOW!

Processing Fundamentals

VIEW COURSE
logo-top-1

NMLS LICENSING COURSES

View More
logo-top-2

MORTGAGE ORIGINATION COURSES

View More
favicon

ALL COURSES

View More

Popular Courses

New York State Required Mortgage Compliance Program 2026* Enroll Now
User Avatar
Debra Killian

New York State Required Mortgage Compliance Program 2026*

User Avatar
Debra Killian
0
21
students
$349
Anti Money Laundering 2026 Update Enroll Now
User Avatar
Don DeRespinis

Anti Money Laundering 2026 Update

User Avatar
Don DeRespinis
1
45
students
$49
Cybersecurity 2026 and the DOJ* Enroll Now
User Avatar
Debra Killian

Cybersecurity 2026 and the DOJ*

User Avatar
Debra Killian
1
196
students
$49
Required Mortgage Compliance Program* Enroll Now
User Avatar
Debra Killian

Required Mortgage Compliance Program*

User Avatar
Debra Killian
8
32
students
$299$249
20 Hour FEDERAL SAFE NMLS PE ID# 7366 Mortgage Loan Originator Enroll Now
User Avatar
Debra Killian

20 Hour FEDERAL SAFE NMLS PE ID# 7366 Mortgage Loan Originator

User Avatar
Debra Killian
23
350
students
$379$299 Includes $30 in NMLS fees
22 Hour FLORIDA SAFE NMLS PE ID#7366 Includes FL 2 hour NMLS ID#11185 Mortgage Loan Originator Enroll Now
User Avatar
Debra Killian

22 Hour FLORIDA SAFE NMLS PE ID#7366 Includes FL 2 hour NMLS ID#11185 Mortgage Loan Originator

User Avatar
Debra Killian
3
38
students
$439$359 Includes $33 in NMLS fees
21 Hour CONNECTICUT SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator Enroll Now
User Avatar
Debra Killian

21 Hour CONNECTICUT SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator

User Avatar
Debra Killian
3
55
students
$409$329 Includes $31.50 in NMLS fees
LO Compensation Rule Compliance* Enroll Now
User Avatar
Debra Killian

LO Compensation Rule Compliance*

User Avatar
Debra Killian
0
0
student
$49
MLO License Exam Preparation Course Enroll Now
User Avatar
Debra Killian

MLO License Exam Preparation Course

User Avatar
Debra Killian
5
44
students
$97
Anti Money Laundering 2025 Update Enroll Now
User Avatar
Debra Killian

Anti Money Laundering 2025 Update

User Avatar
Debra Killian
1
45
students
$49
First Year Originator Training Single Payment Plan Enroll Now
User Avatar
Debra Killian

First Year Originator Training Single Payment Plan

User Avatar
Debra Killian
0
121
students
$897$697 one time payment
First Year Originator Training Subscription Plan Enroll Now
User Avatar
Debra Killian

First Year Originator Training Subscription Plan

User Avatar
Debra Killian
0
25
students
$89$67 per month. Cancel anytime.
Origination Best Practices…The Key to Your Success! Enroll Now
User Avatar
Debra Killian

Origination Best Practices…The Key to Your Success!

User Avatar
Debra Killian
18
45
students
$997$697
Your First Year in Mortgages – From Licensing to Mastery Enroll Now
User Avatar
Debra Killian

Your First Year in Mortgages – From Licensing to Mastery

User Avatar
Debra Killian
0
78
students
$1,341$997
New York State Human Rights and The Fair Housing Act* Enroll Now
User Avatar
Debra Killian

New York State Human Rights and The Fair Housing Act*

User Avatar
Debra Killian
1
0
student
$49

Latest News

Our Latest Posts!

Debra Killian
June 5, 2019

What is “Transitional Licensing Authority” & A New 1003?”

Tomorrow night I will be speaking at the CT Mortgage Association event at The Library Wine and Bistro in Wallingford, CT. Since I posted the event, I have received questions about the topics. It occurred to me that while I am researching all new things mortgages, most originators, managers...

Read More
Don DeRespinis
October 1, 2018

Mortgage Originator Continuing Education 2018 – Online and On Demand

A New Kind of Licensing Course! CLOES.online At last Online Continuing Education worth taking!  We have taken CE courses since 2011 and they are all the same. Presenting Deb Killian in her first National NMLS Continuing Education course for 2018.  SAFE Federal 2018 CE – The Mortgage Professional.  Find...

Read More
Debra Killian
February 11, 2025

California’s AB 3108: New Felony Charges for Mortgage Brokers

When a Borrower Doesn’t Qualify for Conventional Financing—Think Twice Before Defaulting to Non-QM! It’s tempting to label a loan as investment purpose when a borrower doesn’t meet conventional guidelines—even when they plan to occupy the home as a primary residence. Well, that loophole just slammed shut!   California’s AB 3108...

Read More
Debra Killian
October 28, 2020

Are Customers “Cleaning” Their Money In Your Transaction?

Money laundering is a huge problem for financial institutions and monitoring compliance and reporting is a challenge.  As I read through FinCEN’s recent announcement, it became clear…the law is not really clear!  Because real estate transactions are large in dollars, they are one of the easiest places to “clean...

Read More
Debra Killian
January 13, 2024

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...

Read More
Don DeRespinis
March 26, 2019

Introducing Mortgage Professional News

Introducing Mortgage Professional News a streaming information service that delivers timely information directly to your inbox. Content is from three major sources: Articles and discussion on recent Mortgage Professional topics Live Webinars, New Courses, Presentations, Videos on Mortgage Education Major Notices for Mortgage Professionals Keep up to date on...

Read More
Debra Killian
January 22, 2019

NAMB Offers CLOES.online NMLS Approved Pre-licensing Education Online Course

The National Association of Mortgage Professionals recently announced its newest offering! NAMB will offer members discounts on NMLS Pre-licensing education. The 20-hour NMLS approved PE course is online, on demand. Start and Watch Anytime! NMLS Approved Course ID#7366

Read More
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:   

Read More
Debra Killian
April 20, 2020

Hey…What’s a Tripod? I Want One!

Learn how to get YOUR Tripod. Free LIVE Webinar on May 5th 12:00 Noon ET! In this COVID-19 world, companies need all possible resources at their fingertips to keep businesses going and growing to recruit and provide quality professional development in a safe environment. Is consumer direct the future...

Read More
Debra Killian
September 26, 2019

60 Days to Temporary Authority!

The CFPB published FAQs today for the transitional licensing. The FAQs are broken into two categories:  types of loan originators and state transitional licenses. The rules are effective November 24, 2019 and allow for ELIGIBLE registered and state-licensed originators to receive temporary authority to originate during the 120 period of...

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.