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Don DeRespinis
April 2, 2018

20 Hour Video NMLS Licenses course good for CPA 2018 Continuing Education

Cloes.online offers the only 20 Hour Full Video On-line Course Approved by NMLS for Pre-Licensing Education.  This course is an excellent choice for CPA Continuing education credits  due June 2018. 20 Hour SAFE Act Comprehensive Mortgage Loan Originator course provides a detail analysis of the laws and regulations covering...

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Debra Killian
May 27, 2022

UDAAP-ECOA-TILA Are You Ready for Examiners?

The overlap between federal and state laws and regulations becomes very apparent once there is an examination and/or an enforcement action. With COVID dominating our work environment over the past two years, not many audits or exams were scheduled by state regulators.  That is all about to change.  They...

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Debra Killian
April 1, 2020

Waiting to Take Your NMLS Test? Keep Studying!

Employers may be challenged getting new originators working. If you have employees who have completed their 20-hour national education and are ready for the test, it may be a while. The NMLS has put out the following summary regarding applicants needing to take the national test for a state-loan...

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Debra Killian
February 25, 2019

NMLS, Regulators & Educators Work Together to Improve CE Classes!

At the 2019 NMLS User’s Conference in Orlando, FL., I participated on a panel with state regulators and a compliance attorney about how working together can improve NMLS approved Continuing Education. If educators could obtain the results of federal and state regulator’s examinations and investigations, could we could make...

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Debra Killian
March 18, 2025

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...

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Don DeRespinis
January 24, 2018

Deb Killian, CRMS, presents CLOES.ONLINE at Mortgage Bankers Association Independent Mortgage Bankers Conference in Amelia Island, FL on January 23, 2018

Education of Loan Originators was a hot topic at the conference. Check out cloes.online

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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
January 13, 2020

Effective In-house Training Outsourcing What Everyone Needs to Know.

It’s a new year with all the hopes that January brings…it’s also Monday. New week, same old issues. You are in charge of “training.” You yawn, sip your coffee and try to remember where you left off on Friday afternoon. In-house training departments face many challenges. They are expensive...

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Debra Killian
March 29, 2020

4 Things Customers Need to Know BEFORE Selecting a Mortgage…

Every customer should receive a written analysis; it helps take emotion out of the equation. I do it for all my purchases and refinances. Yes, we have lots of long discussions, but hearing and seeing are two different things! The point of an analysis (particulary for refinances) is for...

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Debra Killian
September 6, 2019

Become a Certified Credit Specialist (CCS)!

Think you know credit? Learn a NEW WAY to educate consumers about credit reports while earning a professional designation! Monday, September 16th – 11:00 am – 5:00 pm (Emperor’s Ballroom 2) – $149 Members; $279 Non-Members Why get certified? Most originators have never had real professional development, education or...

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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.