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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....
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...
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...
20 Hr SAFE Act Course now $349 total!
20 Hour NMLS Pre-licensing Course price reduced!
Debra Killian, CRMS Participates on NMLS Users Conference Panel Discussing C.E. Issues – February 20, 2019 – Orlando, FL.
Continuing Education and the Supervisory Process Hilton Orlando Lake Buena Vista1751 Hotel Plaza Boulevard, Lake Buena Vista, Florida, 32830 For the past three years, SRR has been working with the Multi-state Mortgage Committee (MMC) to understand and identify reoccurring problems discovered on mortgage exams that can be addressed through...
Waiting Until 70 For Social Security Benefits may not make sense and here is why.
Waiting Until 70 For Social Security Benefits may not make sense and here is why.
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...
Fannie Mae COVID Guideline Change
With the pandemic pointing toward endemic, it’s a relief that the GSEs are starting to look at removing some of the COVID-related guidelines. Self-employed borrowers may find it a bit easier to qualify for a mortgage now…,just in time as rates head up. Fannie Mae just released an update effective...
NAR’s Home Finance Resource Certification presented by Deb Killian
NAR’s Home Finance Resource Certification presented by Deb Killian Watch video:
The First Decade of Social Media. What Will 2020 Bring?
This is the first decade where social media found its place! While I was a bit late to the party, this year I was honored to cross paths with so many people simply because of social media; people I never would have met or had an opportunity to interact...
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.




