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Don DeRespinis
February 5, 2020

CLOES online Featured on National Association Web Site

CLOES.online is pleased to be featured on the National Association of Mortgage Brokers, NAMB, Web site https://namb.org/page/Nambfoundation. CLOES.online supports the association’s efforts to bring more education and professionalism into the Mortgage Industry. They do this through quality education and certification programs. NAMB provides its member with discounts to our...

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Debra Killian
November 22, 2019

Temporary Authority W-2 Requirement

For those who have been following our series and attending our webinars on 1099 v. W-2, here’s a new consideration in the age-old debate. The Economic Growth, Regulatory Relief and Consumer Protection Act (EGRRCPA) revised the SAFE Act. Effective Monday, November 25, 2019 the revision allows QUALIFIED Registered (depository)...

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Debra Killian
February 5, 2019

NAMB Offers Mortgage Professional Practices Course!

Charter Oak Systems, LLC and CLOES.online is pleased to announce the National Association of Mortgage Brokers (NAMB) now offers a new Online, On Demand Video-Recorded course, Mortgage Professional Practices. NAMB is committed to continuing to build a robust, education platform to support the professionalism of all mortgage originators. Most...

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Debra Killian
December 18, 2019

FHFA New 1003 Timeline: November 2020

December 18, 2020 – Did you attend one of our live seminars on the new 1003 this year? If so, we got side-railed a bit when the GSE’s delayed the implementation date. Well, it appears we are back on track. Today the FHFA and GSEs announced the mandatory deadline...

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Debra Killian
June 1, 2020

Real Estate Update Newsletter June 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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Don DeRespinis
October 31, 2017

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...

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Debra Killian
March 17, 2020

Originators: Consumers Need You More Than Ever!

Loan locked, Loan Estimate out, Intent to Proceed signed, appraisal inspection scheduled for today. What could go wrong? And then the call…customer letting me know she canceled the inspection.  No, she didn’t want 0.00% 30 year fixed! She and her husband are both physicians working in an E.R. where...

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Debra Killian
September 30, 2019

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...

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Debra Killian
March 19, 2019

DU Findings – Before & After

We like less confusing! Right after I finished my Only Three Conditions on the First Underwrite webinar today I received a FNMA update. Thank you Fannie Mae. In response to feedback from lenders and technology providers, Fannie Mae has rewritten and simplified the DU Validation Service messages. According 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.