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Debra Killian
November 4, 2019

January 2, 2020 Originator 4-4-10

Some content is more easily digested and retained when taken online. It depends on the depth of the content, the experience of the student and the need for reinforcement. You asked for it…we got it! LIVE workshop January 15, 2020; 9:00-5:00 Martin County Realtors of the Treasure Coast, Stuart,...

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Debra Killian
November 1, 2021

The Myths and Realities -1099 vs W-2 for Loan Originators!

As someone who has followed this topic for many years, with many debates, I’ve heard it all.  Just today, posts on Facebook brought it up…again!  What’s different now is a few weeks ago, I decided to get reliable information from a reliable source.  To help clear up the confusion,...

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Debra Killian
July 11, 2022

Mortgage Company Compliance Requirements for AML Training

How does a mortgage company meet the statutory requirement for Anti-Money Laundering education? The question comes up because many companies do not comply with the annual education requirement for all employees. In our opinion the law and regulations on AML training is purposely not specific because the term education...

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Debra Killian
May 1, 2020

Update: NMLS Test Centers Start Opening Again!

The Nationwide Multi-state Licensing System and Registry just posted an update on MLO testing. Here is the list of NMLS test centers opening as of May 1, 2020. The announcement went on to state alternative testing options: Starting in mid-May, SAFE MLO National Test candidates will also have the...

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Debra Killian
December 1, 2020

Real Estate Update December 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...

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Debra Killian
April 20, 2020

Hey…What’s a Tripod? I Want One!

Learn how to get YOUR Tripod. Free LIVE Webinar on May 5th 12:00 Noon ET! In this COVID-19 world, companies need all possible resources at their fingertips to keep businesses going and growing to recruit and provide quality professional development in a safe environment. Is consumer direct the future...

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Debra Killian
November 2, 2020

Real Estate Update November 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...

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Debra Killian
September 26, 2019

60 Days to Temporary Authority!

The CFPB published FAQs today for the transitional licensing. The FAQs are broken into two categories:  types of loan originators and state transitional licenses. The rules are effective November 24, 2019 and allow for ELIGIBLE registered and state-licensed originators to receive temporary authority to originate during the 120 period of...

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Debra Killian
February 19, 2019

Debra Killian, CRMS Participates on NMLS Users Conference Panel Discussing C.E. Issues – February 20, 2019 – Orlando, FL.

Continuing Education and the Supervisory Process Hilton Orlando Lake Buena Vista1751 Hotel Plaza Boulevard, Lake Buena Vista, Florida, 32830  For the past three years, SRR has been working with the Multi-state Mortgage Committee (MMC) to understand and identify reoccurring problems discovered on mortgage exams that can be addressed through...

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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...

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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.