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Debra Killian
January 13, 2024

DOL Closes the Door on Mortgage Originators Paid as Independent Contractors

In the fast-paced world of mortgage lending, a crucial yet often overlooked issue is always lurking between companies and those mortgage loan originators they employ;  the misclassification of mortgage loan originators. Often labeled as independent contractors, many of these financial professionals find themselves in a precarious position, unable to...

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Debra Killian
January 12, 2020

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....

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Debra Killian
April 17, 2019

Reduce Costs While Providing Real Mortgage Professional Development!

It’s December 2019. Your entire origination staff just got Certified by a 25 year mortgage veteran. Your underwriting conditions are cut in half due to less touches on more profitable files. Your customer service has improved dramatically and the stress level with all employees is greatly reduced. Not to...

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Debra Killian
January 30, 2020

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...

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Debra Killian
February 19, 2019

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...

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Debra Killian
November 26, 2018

Will You Be Ready for Transitional MLOS?

November 24, 2019 – That’s not a typo, yes, it’s one year away! Did you know federal law mandates states implement “transitional licensing authority” by November 24, 2019?  If you manage originators in a depository, have you considered if this will impact you and if so how?  How about...

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Don DeRespinis
January 19, 2026

Not All 20-Hour SAFE Act Courses Are the Same

Passing the exam is required. Competency is expected. Every NMLS-approved 20-Hour SAFE Act course technically checks the same regulatory box. That does not mean they prepare you equally for the realities of mortgage lending. Most courses are built to help you pass a test. Ours is built to help...

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Debra Killian
February 27, 2020

NMLS Late C.E. Happy Leap Year!

If you really, really procrastinated taking 2019 CE be glad this is a leap year! Last fall the NMLS published a Notice on 2020 Late CE Course Catalog. The notice included rules in an overview, which if you are licensed MLO, you already know, right? But…since there are two...

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Don DeRespinis
April 15, 2019

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.

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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.