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!

Don DeRespinis
February 5, 2020

CLOES online Featured on National Association Web Site

CLOES.online is pleased to be featured on the National Association of Mortgage Brokers, NAMB, Web site https://namb.org/page/Nambfoundation. CLOES.online supports the association’s efforts to bring more education and professionalism into the Mortgage Industry. They do this through quality education and certification programs. NAMB provides its member with discounts to our...

Read More
Debra Killian
October 28, 2019

W-2 Contagion? The “ABC” Test Federalized?

If you followed our mini series on California’s latest law AB5, you know that independent contractor “1099” status just got tougher in CA. AB5 seriously increased the ability for state and federal governments to reclassify workers from independent contractors to “employee”(W-2) status. If this is not a topic you...

Read More
Don DeRespinis
August 21, 2019

Mortgage Originator NMLS Continuing Education 2019 – Online and On Demand

Take a look Here.  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 National NMLS Continuing Education course for 2019.  SAFE Federal 2019 CE – The Mortgage Professional.  Find out what it means...

Read More
Don DeRespinis
January 15, 2019

CLOES.online NMLS Continuing Education 2018 Results of Participation

A majority of the students appreciated hearing some new content from a peer who was experiencing the same issues as them and in the same business environment.

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
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...

Read More
Debra Killian
January 3, 2023

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...

Read More
Debra Killian
June 25, 2020

What you need to know to be a Mortgage Loan Originator – Video

Read More
Debra Killian
September 6, 2019

Become a Certified Credit Specialist (CCS)!

Think you know credit? Learn a NEW WAY to educate consumers about credit reports while earning a professional designation! Monday, September 16th – 11:00 am – 5:00 pm (Emperor’s Ballroom 2) – $149 Members; $279 Non-Members Why get certified? Most originators have never had real professional development, education or...

Read More
Debra Killian
August 8, 2026

FREE TRAINING: If You’re Tired of Chasing Documents, Watch This!

Getting customers is one thing. Keeping them is another. One of the fastest ways to lose the confidence of a borrower or real estate partner is to leave them hanging because something is missing from the loan file. In this video, I’ll show you how to fully document the...

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.