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Debra Killian
March 29, 2023

7 Hours in Front of 125 Real Estate Agents! Loan Originators Pay Attention! Now Is The Time…Learn to Teach Real Estate Continuing Education!

In the last 3 weeks, I spent 7  hours in front of 125 real estate agents!  A captive audience.  Curious how I got there? If you’ve read this far, this is not a brag post.  It’s an opportunity for you to get in front of your target audience and...

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Debra Killian
April 29, 2020

CFPB Issues Rule on TILA Financial Emergency, Rescission & Change of Circumstances

April 29, 2020 – The CFPB issued an Interpretive Rule today titled: Application of Certain Provisions in the TILA-RESPA Integrated Disclosure Rule and Regulation Z Right of Rescission Rules in Light of the COVID-19 Pandemic. The rule allows for COVID-19 to be a “financial emergency reason for borrowers to...

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Debra Killian
October 8, 2019

IRS Offers One-Time Chance to Correct Taxes of Misclassified Employees! Part 3

In episode 3 of our 4-part series (Dynamex vs. Superior Court CA), we discuss how employers can be penalized for misclassified workers, how back taxes and payroll tax penalties are calculated and what you can do to correct your classification of employees. 4 Part Mini- Series Dynamex Operations West...

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Debra Killian
August 8, 2026

FREE TRAINING: If You’re Tired of Chasing Documents, Watch This!

Getting customers is one thing. Keeping them is another. One of the fastest ways to lose the confidence of a borrower or real estate partner is to leave them hanging because something is missing from the loan file. In this video, I’ll show you how to fully document the...

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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
December 17, 2018

CLOES.online Introduces Student Centric Interface

Now each student can select the format and user experience that works best for them.

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Debra Killian
July 17, 2023

Is Anti-Money Laundering (AML) Mandatory Compliance Coming for Realtors?

Do you know how money is actually laundered through real estate transactions?  Do you know your Anti-Money Laundering (AML) Training Requirements? Between 2015 and 2020, at least $2.3 billion was laundered through US real estate, with estimates by Washington, D.C. think tank Global Financial Integrity (GFI),  putting the number...

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Debra Killian
November 15, 2018

New Federal Consumer Survey? Take a Peek!

Mortgage professionals may want to know what the government is asking your borrowers after closing. Recently the Bureau of Consumer Financial Protection (BCFP) and the Federal Housing Finance Agency (FHFA) released a new loan-level dataset, for public use; a compilation of data collected through the National Survey of Mortgage...

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Debra Killian
November 18, 2019

“As California Goes, So Goes the Nation!” 1099 or W-2 Again?

Lenders, mortgage brokers and originators should be paying careful attention in all states about “misclassification” of workers. Tomorrow I will be facilitating a webinar for the California Association of Mortgage Professionals on California Assembly Bill AB5, which is shaking up the employment landscape. It’s not just California! Massachusetts, New...

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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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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.