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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...
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...
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...
Seven Deadly Mistakes to Avoid When Setting Up a Mortgage Company!
Have you recently started your own company or still pondering if you should? This webinar will provide some insight into issues you may not have considered. Register for our January 9, 2020 LIVE webinar hosted by National Mortgage Professional Magazine (NMP); “Seven Deadly Mistakes Owners Make When Setting up...
Employment Law Update: It’s Way More Than 1099 v W-2!
If you missed my last post, it now includes “worker misclassification.” There are a lot of people with a lot of opinions. That may be all they are, opinions of mortgage business owners and employees all over social media. Need I remind everyone, regulators LOVE social media posts! Employment...
Mortgage Training Doesn’t Have to Be Overwhelming or Expensive—Here’s a Better Way!
Looking for a smarter, more affordable way to learn the mortgage business? Starting a career as a mortgage loan originator (MLO) comes with a steep learning curve. You need to understand loan products, guidelines, compliance rules, and how to build relationships with clients—all while trying to grow your business. For...
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...
What It Takes to Pass the NMLS Test!
If you are thinking of getting a Mortgage Loan Originator State License, you should know the NMLS pass rate for first-time test-takers is in the mid-50s. To clarify, that means roughly half of everyone sitting for the first time fails! Why? The NMLS exam isn’t something you can pass...
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...
20 Hour Video NMLS Licenses course good for CPA 2018 Continuing Education
Cloes.online offers the only 20 Hour Full Video On-line Course Approved by NMLS for Pre-Licensing Education. This course is an excellent choice for CPA Continuing education credits due June 2018. 20 Hour SAFE Act Comprehensive Mortgage Loan Originator course provides a detail analysis of the laws and regulations covering...
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.



