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CLOES.online NMLS Continuing Education 2018 Results of Participation
A majority of the students appreciated hearing some new content from a peer who was experiencing the same issues as them and in the same business environment.
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...
CLOES.online AML Program answers FinCEN challenge for Innovative Approach to AML Compliance – Expanding Requirements Under the CDD Rule and Mortgage Originators
FINRA Regulatory Notice 18-19 issued May 11, 2018 expands AML Program requirements to include additional risk-based procedures, or the “fifth pillar” required for AML programs under the new FinCEN CDD Ruling Since all AML programs are customized based upon the size and risk of a Mortgage Lender, Broker or...
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...
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...
Jeanne Kelly & Debra Killian Announce New Program for Originators Working with Realtors!
Join Jeanne Kelly Credit Coach and Debra Killian on Credit Over Coffee as they discuss getting into the mortgage industry and Debra’s E-Course, Mortgage Origination Practices. 2023 will be a challenging year for most mortgage companies and originators. Everyone wants purchase business. This podcast will change the way you...
The Mortgage List – Open Mic Focus on Education
Faster, better, less, faster, sooner, easier ! Those are the messages coming from the industry. But, do we know that it’s really what’s best for consumers? Is it fair to originators? Are we setting consumers up for speed or great advice? How many seconds faster are you than you...
Fannie Requiring Business Accounts for Self-Employed!
My analogy to guidelines these days is they are like trying to hold jello in the palm of your hand. Squishy, slippery, moving; slipping through your fingers! Patience is a virtue! We need to understand that underwriters spend MUCH more time determining the amount of income that can be...
Real Estate Update November 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...
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.




