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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...
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...
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...
The Perfect Storm: Why the Biggest Opportunity in Mortgage Origination is Right Now
The Perfect Storm: Why the Biggest Opportunity in Mortgage Origination is Right Now Deb Killian, Founder & Instructor at CLOES.online 35+ years managing over $1 billion in real estate loans Let’s be brutally honest about the last three years in the mortgage industry. With interest rates hovering at their highest...
Originators: Consumers Need You More Than Ever!
Loan locked, Loan Estimate out, Intent to Proceed signed, appraisal inspection scheduled for today. What could go wrong? And then the call…customer letting me know she canceled the inspection. No, she didn’t want 0.00% 30 year fixed! She and her husband are both physicians working in an E.R. where...
Waiting Until 70 For Social Security Benefits may not make sense and here is why.
Waiting Until 70 For Social Security Benefits may not make sense and here is why.
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...
FHA 4000.1 SF Housing Handbook Update
The FHA Single Family Handbook has been updated. Check out the complete list of changes. Some highlights include an update to the legal age for members of an LLC, an update to the standard to limit non-commission employees to those employees that perform underwriting or quality control activities, that...
When Starting a Mortgage Broker Business…Hope is Not a Strategy!
I have been receiving many inquiries about what it takes to start a mortgage broker business and how to get started. I recently spoke to a gentleman who thought he wanted to start his own business, but after our lengthy conversation, he came to the conclusion “I just want...
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...
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.




