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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...
Upgrade to Higher Earning with a Program of Courses in Mortgage Professional Practices
A complete video presentation on the "Best Practices" of mortgage loan originators.
I am Supposed to Know All the Labor Laws?
So, now I am entrenched in all things Mortgage Businesses must know about employment. Everyday sipping my coffee, I read! Blogs, newsletters, announcements, court cases, compliance issues and a myriad of other topics for about an hour. The topics range from mortgage compliance to IRS issues to mortgage fraud....
The Top 10 Reasons to Teach Real Estate Continuing Education!
For the past 20 years, I have been teaching real estate classes. Initially, I began teaching as a way to build and maintain professional relationships and gain referrals. Unlike sponsoring open houses or arranging casual coffee meet-ups, I found that educating was a more effective and respectable approach. The...
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.
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...
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...
NAMB Offers CLOES.online NMLS Approved Pre-licensing Education Online Course
The National Association of Mortgage Professionals recently announced its newest offering! NAMB will offer members discounts on NMLS Pre-licensing education. The 20-hour NMLS approved PE course is online, on demand. Start and Watch Anytime! NMLS Approved Course ID#7366
Mortgage Originator Continuing Education 2018 – Online and On Demand
A New Kind of Licensing Course! CLOES.online At last Online Continuing Education worth taking! We have taken CE courses since 2011 and they are all the same. Presenting Deb Killian in her first National NMLS Continuing Education course for 2018. SAFE Federal 2018 CE – The Mortgage Professional. Find...
Under 20 Employees? Your Business May Be Subject to New Beneficial Ownership Interest (BOI) Rules!
I usually write about mortgage or real estate professionals, but since I teach Anti-Money Laundering classes, I thought it would be helpful for all small businesses to know what’s coming. On September 18, 2023 the Financial Crimes Enforcement Network (FinCEN) published the final rules for the new Corporate Transparency...
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.



