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Fannie Mae COVID Guideline Change
With the pandemic pointing toward endemic, it’s a relief that the GSEs are starting to look at removing some of the COVID-related guidelines. Self-employed borrowers may find it a bit easier to qualify for a mortgage now…,just in time as rates head up. Fannie Mae just released an update effective...
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...
The First Decade of Social Media. What Will 2020 Bring?
This is the first decade where social media found its place! While I was a bit late to the party, this year I was honored to cross paths with so many people simply because of social media; people I never would have met or had an opportunity to interact...
DU Findings – Before & After
We like less confusing! Right after I finished my Only Three Conditions on the First Underwrite webinar today I received a FNMA update. Thank you Fannie Mae. In response to feedback from lenders and technology providers, Fannie Mae has rewritten and simplified the DU Validation Service messages. According to...
The California Case of 1099 vs. W-2!
Recently California Governor Gavin Newsom signed into law rules for classifying workers. It started out with Uber, Lyft and other independent operators. It may affect your mortgage business. The law takes effect January 1, 2020. This 4-part mini-series streaming this week is comprised of 5-10 minutes videos highlights key...
“The NMLS Made Me Do It!”
For newer entrants to the mortgage industry it might be helpful to clarify the NMLS is not a state regulator. They do not make or pass mortgage laws. Congress and the state legislatures do. The NMLS peforms the role of aggregator of mortgage participants information, for the purpose of...
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...
Introducing Course Schedules
Course Schedules allows students to participate in group classes at scheduled times. Many busy professionals have difficulty completing unscheduled activities because of the demands on their time. These busy professionals prefer to commit to a scheduled time activity over a period of 1 to 4 weeks. Course Schedules allows...
Did He Just Suggest We Open Up The SAFE Act?
Why the two tier system anyway? Do consumers realize the difference? For the sake of full disclosure, my business is education. I am a mortgage educator. I write, record and instruct courses for depository and non-depository originators alike. Their job is the same! One could reasonably argue that I...
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.




