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Healthy Competition is Good for Consumers! So the Word of the Day Is…?
Recently someone posed this question on Facebook: “What do you think the most important word in the mortgage business is?” And that got me thinking. Wouldn’t it be nice if mortgage originators didn’t have any competition? We really would provide the best rates, costs and services for all consumers…really,...
What Does Your Training Board Look Like?
Could you pass the NMLS test today again if you had to? Is it time to reassess mortgage knowledge even for seasoned originators? Learning! What we learn, why we learn, how we learn and how do we know we learned! As a course developer and originator I can tell...
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...
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...
NAMB Offers Mortgage Professional Practices Course!
Charter Oak Systems, LLC and CLOES.online is pleased to announce the National Association of Mortgage Brokers (NAMB) now offers a new Online, On Demand Video-Recorded course, Mortgage Professional Practices. NAMB is committed to continuing to build a robust, education platform to support the professionalism of all mortgage originators. Most...
When You Know 1,000 Mortgage Concepts…Tech Can’t Compete!
In December, 2019 McKinsey & Company’s article “Competing on Customer Experiences in US Mortgage,” they sited reassurance, transparency, simplicity, and speed as the four dimensions of a mortgage experience. The #1 priority; GETTING THINGS RIGHT, THE FIRST TIME! Speed and simple processes are up there, but what do you have to...
Upgrade to Higher Earning with a Program of Courses in Mortgage Professional Practices
A complete video presentation on the "Best Practices" of mortgage loan originators.
Why California Passed the Law & Exempt Occupations Part 2
In the 2nd of our 4-part mini-series we discuss why the law was passed and exemptions allowing for 1099 status. 4 Part Mini- Series Dynamex Operations West Inc, v CA Superior Court decision Exempt workers from W-2 status Penalties for misclassified workers Proactive steps businesses should consider These educational...
Debra Killian, CRMS Participates on NMLS Users Conference Panel Discussing C.E. Issues – February 20, 2019 – Orlando, FL.
Continuing Education and the Supervisory Process Hilton Orlando Lake Buena Vista1751 Hotel Plaza Boulevard, Lake Buena Vista, Florida, 32830 For the past three years, SRR has been working with the Multi-state Mortgage Committee (MMC) to understand and identify reoccurring problems discovered on mortgage exams that can be addressed through...
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...
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.




