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New York State Required Mortgage Compliance Program 2026*

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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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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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Anti Money Laundering 2025 Update Enroll Now
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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

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Origination Best Practices…The Key to Your Success! Enroll Now
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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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Latest News

Our Latest Posts!

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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Don DeRespinis
December 17, 2018

CLOES.online Introduces Student Centric Interface

Now each student can select the format and user experience that works best for them.

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Debra Killian
September 6, 2019

Become a Certified Credit Specialist (CCS)!

Think you know credit? Learn a NEW WAY to educate consumers about credit reports while earning a professional designation! Monday, September 16th – 11:00 am – 5:00 pm (Emperor’s Ballroom 2) – $149 Members; $279 Non-Members Why get certified? Most originators have never had real professional development, education or...

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Debra Killian
July 16, 2024

The Top 10 Reasons to Teach Real Estate Continuing Education!

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Debra Killian
October 28, 2019

W-2 Contagion? The “ABC” Test Federalized?

If you followed our mini series on California’s latest law AB5, you know that independent contractor “1099” status just got tougher in CA. AB5 seriously increased the ability for state and federal governments to reclassify workers from independent contractors to “employee”(W-2) status. If this is not a topic you...

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Debra Killian
December 20, 2022

Employee or Independent Contractor Classification Under the Fair Labor Standards Act

On October 13, 2022 the Federal Department of Labor published findings in Vol. 87, No. 197 of the Federal Register. The W-2/1099 controversary hits many businesses.  As stated in previous posts, there is no special 1099 consideration for mortgage loan originators.   Regardless of which state you work in or...

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Don DeRespinis
August 21, 2019

Mortgage Originator NMLS Continuing Education 2019 – Online and On Demand

Take a look Here.  At last Online Continuing Education worth taking!  We have taken CE courses since 2011 and they are all the same. Presenting Deb Killian in her National NMLS Continuing Education course for 2019.  SAFE Federal 2019 CE – The Mortgage Professional.  Find out what it means...

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Debra Killian
June 28, 2026

The Perfect Storm: Why the Biggest Opportunity in Mortgage Origination is Right Now

The Perfect Storm: Why the Biggest Opportunity in Mortgage Origination is Right Now Deb Killian, Founder & Instructor at CLOES.online 35+ years managing over $1 billion in real estate loans Let’s be brutally honest about the last three years in the mortgage industry. With interest rates hovering at their highest...

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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 2, 2025

Can MLOs Truly Be Independent Contractors?

Are Your MLOs Truly Independent Contractors? Many mortgage companies classify Mortgage Loan Originators (MLOs) as independent contractors. However, federal laws—including the Department of Labor's guidelines, IRS rulings, and the SAFE Act—suggest otherwise. These regulations emphasize that MLOs often function as employees due to factors like company control, lack of independent...

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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.