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Originators: Consumers Need You More Than Ever!
Loan locked, Loan Estimate out, Intent to Proceed signed, appraisal inspection scheduled for today. What could go wrong? And then the call…customer letting me know she canceled the inspection. No, she didn’t want 0.00% 30 year fixed! She and her husband are both physicians working in an E.R. where...
IMPACT – Can Empathy Exist in Mortgage Transactions?
Originators have a significant impact on the psychological emotional, and financial well-being of every consumer they interact with and it stays with them well beyond the closing. Let’s also not forget impact on our bosses, co-workers, real estate referral and other partners and our companies! We believe this is...
CLOES.online AML Program answers FinCEN challenge for Innovative Approach to AML Compliance – Expanding Requirements Under the CDD Rule and Mortgage Originators
FINRA Regulatory Notice 18-19 issued May 11, 2018 expands AML Program requirements to include additional risk-based procedures, or the “fifth pillar” required for AML programs under the new FinCEN CDD Ruling Since all AML programs are customized based upon the size and risk of a Mortgage Lender, Broker or...
Zoom Meeting: I.R.S., COVID19 & 1099s!
26,000,000 people filed for unemployment in the past several weeks; and it’s not over! The Coronavirus is causing serious financial issues for states. For the first time ever, independent contractors are eligible under the CARES Act , even though unemployment taxes may not have been paid in. When the...
Navigating NMLS Licensing: A Step-by-Step Success Guide
The journey to becoming a licensed mortgage professional often feels like navigating a complex maze of regulatory requirements and tight deadlines. At CLOES.online, we believe that understanding the sequence of the Nationwide Multistate Licensing System (NMLS) is the first step toward building a thriving career. We are dedicated to...
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...
“The NMLS Made Me Do It!”
For newer entrants to the mortgage industry it might be helpful to clarify the NMLS is not a state regulator. They do not make or pass mortgage laws. Congress and the state legislatures do. The NMLS peforms the role of aggregator of mortgage participants information, for the purpose of...
Did He Just Suggest We Open Up The SAFE Act?
Why the two tier system anyway? Do consumers realize the difference? For the sake of full disclosure, my business is education. I am a mortgage educator. I write, record and instruct courses for depository and non-depository originators alike. Their job is the same! One could reasonably argue that I...
Jeanne Kelly & Debra Killian Announce New Program for Originators Working with Realtors!
Join Jeanne Kelly Credit Coach and Debra Killian on Credit Over Coffee as they discuss getting into the mortgage industry and Debra’s E-Course, Mortgage Origination Practices. 2023 will be a challenging year for most mortgage companies and originators. Everyone wants purchase business. This podcast will change the way you...
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.



