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Debra Killian
May 11, 2021

Real Estate Update May 2021

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
December 5, 2018

Be Smart…Getting Smart!

CLOES.online has several options to complete 2018 NMLS Approved C.E. For states with no additional requirements, take the 8-Hour SAFE Comprehensive. For Florida state license renewals here is the FL 8-Hour CE. For all other states take the 7-Hour CORE, then click here to register for other state C.E. •...

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Debra Killian
September 9, 2019

The Mortgage List – Open Mic Focus on Education

Faster, better, less, faster, sooner, easier ! Those are the messages coming from the industry. But, do we know that it’s really what’s best for consumers? Is it fair to originators? Are we setting consumers up for speed or great advice? How many seconds faster are you than you...

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Debra Killian
January 8, 2020

Seven Deadly Mistakes to Avoid When Setting Up a Mortgage Company!

Have you recently started your own company or still pondering if you should? This webinar will provide some insight into issues you may not have considered. Register for our January 9, 2020 LIVE webinar hosted by National Mortgage Professional Magazine (NMP); “Seven Deadly Mistakes Owners Make When Setting up...

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Debra Killian
May 18, 2020

CLOES.online Announces a New Product For Originators!

Recently a mortgage loan originator in another state contacted me for help.  He was stuck with an underwriter and was challenged by how to calculate the self employment income.  In that conversation he told me how helpful it would be to originators to have a “loan advisor” to consult...

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Debra Killian
August 17, 2023

CFPB Issues Fines for Favors: Mortgage and Real Estate Firms Handed $1.95M Penalty for RESPA Violations

In a startling turn of events, two major players in the mortgage and real estate industry have been dealt a hefty blow with fines totaling a staggering $1.95 million. The penalties come as a result of their failure to comply with the Real Estate Settlement Procedures Act (RESPA), a...

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Don DeRespinis
January 15, 2019

CLOES.online NMLS Continuing Education 2018 Results of Participation

A majority of the students appreciated hearing some new content from a peer who was experiencing the same issues as them and in the same business environment.

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Debra Killian
June 29, 2019

Big Changes for Depository Lenders and Real Estate Professionals May Be on the Horizon.

With low rates and refinances slowing down turn times in the middle of the summer selling season, changes may be coming that are most likely not on your radar. Depository institutions may want to begin to develop a strategy for Transitional Licensing Authority that could change the originator pool....

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Debra Killian
January 30, 2020

The SAFE ACT of 2008 vs 1099s!

With so much focus on AB5, California and the IRS reporting of originator income, is it possible we are missing the 10,000 lb gorilla? California is leading the country into a necessary review of worker misclassification. Recently New Jersey, New York, Illinois, Wisconsin, Oregon and Washington joined California with...

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Debra Killian
January 27, 2025

Introducing CLOES.online – Loan Originator Training Membership Subscription

Check out our new membership subscription option for any loan originator who is ready to learn how to earn more money and become a mortgage expert in under a year. This material will set up a mortgage originator for life. This plan is offered at a price everyone can...

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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.