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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
August 1, 2024

When Starting a Mortgage Broker Business…Hope is Not a Strategy!

I have been receiving many inquiries about what it takes to start a mortgage broker business and how to get started.  I recently spoke to a gentleman who thought he wanted to start his own business, but after our lengthy conversation, he came to the conclusion “I just want...

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Debra Killian
January 22, 2019

NAMB Offers CLOES.online NMLS Approved Pre-licensing Education Online Course

The National Association of Mortgage Professionals recently announced its newest offering! NAMB will offer members discounts on NMLS Pre-licensing education. The 20-hour NMLS approved PE course is online, on demand. Start and Watch Anytime! NMLS Approved Course ID#7366

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Debra Killian
May 27, 2022

UDAAP-ECOA-TILA Are You Ready for Examiners?

The overlap between federal and state laws and regulations becomes very apparent once there is an examination and/or an enforcement action. With COVID dominating our work environment over the past two years, not many audits or exams were scheduled by state regulators.  That is all about to change.  They...

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Debra Killian
August 13, 2019

Consumer’s Well-Being

Someone was kind enough to point out that my last post was shameful self-promotion. So let me approach this same topic a little differently. As an originator for over 25 years, it is very clear that we have a significant impact on the psychological emotional, and financial well-being of...

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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
February 7, 2020

Originate More! What Top Producers Know…That You May Be Missing.

A picture is worth a thousand words! Take a good look at that image; then ask yourself, how long will you wait before you really learn the business? Why do top producers have time to bring in more business? Minimum knowledge to fill out a 1003 doesn’t cut it!...

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Debra Killian
December 1, 2020

Real Estate Update December 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
October 16, 2019

W-2 or 1099? The Final Word on Dynamex! RETROACTIVE!

Mortgage professionals…you may think this doesn’t apply to you…and maybe it doesn’t. This purported gray area has caused many employees and companies to grapple with the rules with many debates on this topic. Until now! On October 8, 2019, the CA Supreme Court ruled that if companies have misclassified...

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Don DeRespinis
September 4, 2018

NMLS Continuing Education Webinar by Deb Killian is now available.

Meet Deb Killian in her first National NMLS Continuing Education course for 2018. 8 Hour SAFE Comprehensive Federal 2018 CE – The Mortgage Professional Find out what it means to be a Mortgage Professional This program will be available on demand and on your time. Contact deb at deb@cloes.online...

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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.