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New York State Required Mortgage Compliance Program 2026* Enroll Now
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New York State Required Mortgage Compliance Program 2026*

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Anti Money Laundering 2026 Update

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Cybersecurity 2026 and the DOJ* Enroll Now
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Cybersecurity 2026 and the DOJ*

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Required Mortgage Compliance Program* Enroll Now
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Required Mortgage Compliance Program*

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20 Hour FEDERAL SAFE NMLS PE ID# 7366 Mortgage Loan Originator Enroll Now
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20 Hour FEDERAL SAFE NMLS PE ID# 7366 Mortgage Loan Originator

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22 Hour FLORIDA SAFE NMLS PE ID#7366 Includes FL 2 hour NMLS ID#11185 Mortgage Loan Originator Enroll Now
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Debra Killian

22 Hour FLORIDA SAFE NMLS PE ID#7366 Includes FL 2 hour NMLS ID#11185 Mortgage Loan Originator

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21 Hour CONNECTICUT SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator Enroll Now
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21 Hour CONNECTICUT SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator

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LO Compensation Rule Compliance* Enroll Now
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LO Compensation Rule Compliance*

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MLO License Exam Preparation Course Enroll Now
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MLO License Exam Preparation Course

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Anti Money Laundering 2025 Update Enroll Now
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Anti Money Laundering 2025 Update

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First Year Originator Training Single Payment Plan Enroll Now
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First Year Originator Training Single Payment Plan

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First Year Originator Training Subscription Plan Enroll Now
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First Year Originator Training Subscription Plan

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Origination Best Practices…The Key to Your Success! Enroll Now
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Debra Killian

Origination Best Practices…The Key to Your Success!

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Your First Year in Mortgages – From Licensing to Mastery Enroll Now
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Your First Year in Mortgages – From Licensing to Mastery

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New York State Human Rights and The Fair Housing Act* Enroll Now
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New York State Human Rights and The Fair Housing Act*

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Latest News

Our Latest Posts!

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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Debra Killian
October 13, 2021

CLOES.online – On Demand BSA/AML Training

Real estate transactions are the easiest way to launder money due to the size of the transactions and the amount of money that can be “cleaned”.  All financial institutions are required to comply with the Bank Secrecy Act. Money laundering may also involve tax fraud as well as other...

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Don DeRespinis
February 5, 2020

CLOES online Featured on National Association Web Site

CLOES.online is pleased to be featured on the National Association of Mortgage Brokers, NAMB, Web site https://namb.org/page/Nambfoundation. CLOES.online supports the association’s efforts to bring more education and professionalism into the Mortgage Industry. They do this through quality education and certification programs. NAMB provides its member with discounts to our...

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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
September 1, 2020

Real Estate Update Newsletters 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
November 2, 2020

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...

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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
May 1, 2020

Real Estate Update Newsletter 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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Don DeRespinis
September 5, 2024

NAR’s Home Finance Resource Certification presented by Deb Killian

NAR’s Home Finance Resource Certification presented by Deb Killian Watch video:   

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Debra Killian
August 9, 2019

GSEs Delay New 1003 Mandatory Use Date…Indefinitely!

After delaying the “optional use date”, yesterday the FHFA and GSEs announced the new 1003 mandatory use date will no longer be February 1, 2020. This should take some pressure off of lenders who were facing a deadline that was creeping up. Now, the GSEs have been directed to...

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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.