logo-top-1

NMLS LICENSING COURSES

View More
logo-top-2

MORTGAGE ORIGINATION COURSES

View More
favicon

ALL COURSES

View More

Popular Courses

Latest News

Our Latest Posts!

Debra Killian
April 17, 2019

Reduce Costs While Providing Real Mortgage Professional Development!

It’s December 2019. Your entire origination staff just got Certified by a 25 year mortgage veteran. Your underwriting conditions are cut in half due to less touches on more profitable files. Your customer service has improved dramatically and the stress level with all employees is greatly reduced. Not to...

Read More
Debra Killian
August 9, 2019

GSEs Delay New 1003 Mandatory Use Date…Indefinitely!

After delaying the “optional use date”, yesterday the FHFA and GSEs announced the new 1003 mandatory use date will no longer be February 1, 2020. This should take some pressure off of lenders who were facing a deadline that was creeping up. Now, the GSEs have been directed to...

Read More
Debra Killian
October 25, 2021

Redesigned URLA Video – How to Use the 2021 Loan Application

Ahhh…another industry change while volume is at an all time high!  Just what we need in 2021!  We started talking about the new URLA in 2018; and then it changed…and then it changed again.  Finally! After several years of the GSE’s designing formats, revising (adding and deleting) data points,...

Read More
Debra Killian
August 13, 2019

IMPACT – Can Empathy Exist in Mortgage Transactions?

Originators have a significant impact on the psychological emotional, and financial well-being of every consumer they interact with and it stays with them well beyond the closing. Let’s also not forget impact on our bosses, co-workers, real estate referral and other partners and our companies! We believe this is...

Read More
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...

Read More
Debra Killian
February 15, 2024

MLO Licensing to Mastery – Your 1st Year

The definition of insanity: doing the same things over and over and expecting different results. Welcome to the mortgage business! Mortgage company owners and recruiters often entice new Mortgage Loan Originators (MLOs) into the industry with the allure of minimal entry requirements. However, this approach frequently leads to a...

Read More
Debra Killian
January 13, 2020

Effective In-house Training Outsourcing What Everyone Needs to Know.

It’s a new year with all the hopes that January brings…it’s also Monday. New week, same old issues. You are in charge of “training.” You yawn, sip your coffee and try to remember where you left off on Friday afternoon. In-house training departments face many challenges. They are expensive...

Read More
Debra Killian
February 26, 2020

When You Know 1,000 Mortgage Concepts…Tech Can’t Compete!

In December, 2019 McKinsey & Company’s article “Competing on Customer Experiences in US Mortgage,” they sited reassurance, transparency, simplicity, and speed as the four dimensions of a mortgage experience.  The #1 priority; GETTING THINGS RIGHT, THE FIRST TIME!  Speed and simple processes are up there, but what do you have to...

Read More
Debra Killian
February 7, 2020

Originate More! What Top Producers Know…That You May Be Missing.

A picture is worth a thousand words! Take a good look at that image; then ask yourself, how long will you wait before you really learn the business? Why do top producers have time to bring in more business? Minimum knowledge to fill out a 1003 doesn’t cut it!...

Read More
Debra Killian
December 6, 2019

CIMBA LIVE 12/12/19 11:00am-12:00 pm. 1099 v. W-2

Connecticut Independent Mortgage Brokers Association offers live webinar. While a renewed interest in employee classifications started in Califorinia, it is spreading across the country. The recent California Dynamex Case codified the terms under which a “worker” can be classified as an independent contractor under the “ABC” Test (Assembly Bill...

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.