MORTGAGE PRACTICES
TAKE YOUR FIRST CLASSLOAN ORIGINATORS
LEARN MOREMortgage Originators
LEARN MOREProcessing Fundamentals
VIEW COURSEPopular Courses
Latest News
Our Latest Posts!
What Does Your Training Board Look Like?
Could you pass the NMLS test today again if you had to? Is it time to reassess mortgage knowledge even for seasoned originators? Learning! What we learn, why we learn, how we learn and how do we know we learned! As a course developer and originator I can tell...
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...
Did He Just Suggest We Open Up The SAFE Act?
Why the two tier system anyway? Do consumers realize the difference? For the sake of full disclosure, my business is education. I am a mortgage educator. I write, record and instruct courses for depository and non-depository originators alike. Their job is the same! One could reasonably argue that I...
20 Hour SAFE Act Mortgage Loan Originator course Approved by NMLS
The 20 Hour SAFE Act Mortgage Loan Originator course ID # 7366 was recently approved by NMLS for online delivery. The course is required by all Mortgage Loan Originators and Independent Mortgage Processors as a pre-requisite for obtaining a mortgage loan originator license. The course is 20 hours of...
Navigating NMLS Licensing: A Step-by-Step Success Guide
The journey to becoming a licensed mortgage professional often feels like navigating a complex maze of regulatory requirements and tight deadlines. At CLOES.online, we believe that understanding the sequence of the Nationwide Multistate Licensing System (NMLS) is the first step toward building a thriving career. We are dedicated to...
What It Takes to Pass the NMLS Test!
If you are thinking of getting your Mortgage Loan Originator State License, there is a crucial statistic you need to know: the NMLS pass rate for first-time test-takers is hovering right in the mid-50s. To clarify, that means roughly half of everyone who sits for the exam fails on...
Real Estate Update March 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...
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,...
Happy Thanksgiving! – 2021 Loan Limits Released!
You wouldn’t know we were in the middle of a pandemic based on the housing market. That conforming limit keeps creeping up. It all seems crazy from when I started in the mortgage business in 1994, the conforming loan limit was $225,000. Fast forward 26 years…the 2020 limit was...
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.




