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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,...
Introducing Mortgage Professional News
Introducing Mortgage Professional News a streaming information service that delivers timely information directly to your inbox. Content is from three major sources: Articles and discussion on recent Mortgage Professional topics Live Webinars, New Courses, Presentations, Videos on Mortgage Education Major Notices for Mortgage Professionals Keep up to date on...
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...
Big Changes for Depository Lenders and Real Estate Professionals May Be on the Horizon.
With low rates and refinances slowing down turn times in the middle of the summer selling season, changes may be coming that are most likely not on your radar. Depository institutions may want to begin to develop a strategy for Transitional Licensing Authority that could change the originator pool....
NMLS Resources – Temporary Authority (TA) to Originate
November 24, 2019 is the effective date for Temporary Authority, and it’s right around the corner. Transitional Licensing was passed as part of S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act and provides 120-day temporary authority to operate as a state-licensed mortgage loan originator for individuals...
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...
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...
NAMB to Raise 4 Major Issues in Congress April, 17 2020
According to Roy Deloach from the National Association of Mortgage Brokers, NAMB, the Association is working on legislative changes that are important to all mortgage originators and brokers. By contacting your representative to support these issues will help to make them happen.
CLOES.online Announces a New Product For Originators!
Recently a mortgage loan originator in another state contacted me for help. He was stuck with an underwriter and was challenged by how to calculate the self employment income. In that conversation he told me how helpful it would be to originators to have a “loan advisor” to consult...
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...
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.




