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Debra Killian
June 5, 2019

What is “Transitional Licensing Authority” & A New 1003?”

Tomorrow night I will be speaking at the CT Mortgage Association event at The Library Wine and Bistro in Wallingford, CT. Since I posted the event, I have received questions about the topics. It occurred to me that while I am researching all new things mortgages, most originators, managers...

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Don DeRespinis
January 15, 2019

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.

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Debra Killian
March 16, 2022

Changes to the Appraisal Form and Data Coming!

With the new URLA behind us…along comes the next major change in residential lending. Fannie Mae and Freddie Mac (aka the GSEs) have provided an update on the new URAR.  Yes, the Uniform Residential Appraisal Report is undergoing some major changes.  Here are just a few highlights: Input was gathered...

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Debra Killian
March 19, 2019

DU Findings – Before & After

We like less confusing! Right after I finished my Only Three Conditions on the First Underwrite webinar today I received a FNMA update. Thank you Fannie Mae. In response to feedback from lenders and technology providers, Fannie Mae has rewritten and simplified the DU Validation Service messages. According to...

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Debra Killian
January 27, 2025

Introducing CLOES.online – Loan Originator Training Membership Subscription

Check out our new membership subscription option for any loan originator who is ready to learn how to earn more money and become a mortgage expert in under a year. This material will set up a mortgage originator for life. This plan is offered at a price everyone can...

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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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Debra Killian
April 1, 2020

Waiting to Take Your NMLS Test? Keep Studying!

Employers may be challenged getting new originators working. If you have employees who have completed their 20-hour national education and are ready for the test, it may be a while. The NMLS has put out the following summary regarding applicants needing to take the national test for a state-loan...

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Don DeRespinis
January 24, 2018

Deb Killian, CRMS, presents CLOES.ONLINE at Mortgage Bankers Association Independent Mortgage Bankers Conference in Amelia Island, FL on January 23, 2018

Education of Loan Originators was a hot topic at the conference. Check out cloes.online

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Debra Killian
June 1, 2020

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...

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Debra Killian
December 5, 2018

Be Smart…Getting Smart!

CLOES.online has several options to complete 2018 NMLS Approved C.E. For states with no additional requirements, take the 8-Hour SAFE Comprehensive. For Florida state license renewals here is the FL 8-Hour CE. For all other states take the 7-Hour CORE, then click here to register for other state C.E. •...

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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.