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
February 14, 2022

The Feds Beef Up Employment Enforcement on Independent Contractors

With rates going up, refinance volume quickly heading south and originators looking for the next shiny thing, we are bound to see movement in the industry.  That means mergers, buyouts and some companies closing.  Migrating originators can be a tricky challenge for the next employer.  There are two issues...

Read More
Don DeRespinis
October 27, 2018

Security on Your Computer – It Is More Important Now

Rob Chrisman  <rchrisman@robchrisman.com>  wrote an excellent summary on Cybersecurity for Mortgage Professionals in his blog. Read it at: https://www.robchrisman.com/oct-27-cybersecurity-password-tips-two-factor-authentication-blockchain-legislation-developments/ Don’t let a simple mistake reveal all of your information and the information of others.

Read More
Don DeRespinis
December 17, 2018

CLOES.online Introduces Student Centric Interface

Now each student can select the format and user experience that works best for them.

Read More
Debra Killian
June 1, 2020

Fannie Requiring Business Accounts for Self-Employed!

My analogy to guidelines these days is they are like trying to hold jello in the palm of your hand.  Squishy, slippery, moving; slipping through your fingers! Patience is a virtue!  We need to understand that underwriters spend MUCH more time determining the amount of income that can be...

Read More
Don DeRespinis
February 26, 2019

CLOES.online AML Program answers FinCEN challenge for Innovative Approach to AML Compliance – Expanding Requirements Under the CDD Rule and Mortgage Originators

FINRA Regulatory Notice 18-19 issued May 11, 2018 expands AML Program requirements to include additional risk-based procedures, or the “fifth pillar” required for AML programs under the new FinCEN CDD Ruling Since all AML programs are customized based upon the size and risk of a Mortgage Lender, Broker or...

Read More
Debra Killian
September 1, 2020

Real Estate Update Newsletters 2020

Don’t Try to Outsmart the Markets Getting ready to refinance your mortgage but waiting for rates to fall just one more time? Is that extra 1/8th percent ready to drop? Some consumers begin to follow economic news and perform no shortage of due diligence trying to pick the perfect...

Read More
Don DeRespinis
January 24, 2018

Deb Killian, CRMS, presents CLOES.ONLINE at Mortgage Bankers Association Independent Mortgage Bankers Conference in Amelia Island, FL on January 23, 2018

Education of Loan Originators was a hot topic at the conference. Check out cloes.online

Read More
Debra Killian
November 26, 2018

Will You Be Ready for Transitional MLOS?

November 24, 2019 – That’s not a typo, yes, it’s one year away! Did you know federal law mandates states implement “transitional licensing authority” by November 24, 2019?  If you manage originators in a depository, have you considered if this will impact you and if so how?  How about...

Read More
Debra Killian
April 1, 2020

Waiting to Take Your NMLS Test? Keep Studying!

Employers may be challenged getting new originators working. If you have employees who have completed their 20-hour national education and are ready for the test, it may be a while. The NMLS has put out the following summary regarding applicants needing to take the national test for a state-loan...

Read More
Debra Killian
March 29, 2023

7 Hours in Front of 125 Real Estate Agents! Loan Originators Pay Attention! Now Is The Time…Learn to Teach Real Estate Continuing Education!

In the last 3 weeks, I spent 7  hours in front of 125 real estate agents!  A captive audience.  Curious how I got there? If you’ve read this far, this is not a brag post.  It’s an opportunity for you to get in front of your target audience and...

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.