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Debra Killian
August 16, 2019

Pre-Quals and TRID…What is a “Property Address?”

Purchase business is the lifeblood of many originators. With affordable homes in low supply, multiple offers on multiple properties is a way of life, especially in the first-time home-buyer segment. And, every real estate agent wants a “pre” something! A Friday in August, and I can’t get this topic...

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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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Don DeRespinis
October 1, 2018

Mortgage Originator Continuing Education 2018 – Online and On Demand

A New Kind of Licensing Course! CLOES.online 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 first National NMLS Continuing Education course for 2018.  SAFE Federal 2018 CE – The Mortgage Professional.  Find...

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Don DeRespinis
January 11, 2019

Introducing The Mortgage Professional Certification

The Mortgage Professional Certification is the first verifiable loan originator competency certification available to Mortgage Loan Originators. Now Loan Originators can prove they have and use the education necessary to originate a compliant mortgage under a defined code of conduct. Lenders and Banks can be assured their originators have...

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Debra Killian
October 16, 2019

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...

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Don DeRespinis
September 4, 2018

On demand NMLS PE 20 hour Video Lecture

Do you have originators that need the 20-hour, NMLS Pre-Licensing Education (PE)? What if your MLOS could watch 20 episodes of video-recorded approved courses on demand? Now they can! Register at Cloes.online today to get your company approved for our program. You will receive an email with your company...

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Debra Killian
September 26, 2019

60 Days to Temporary Authority!

The CFPB published FAQs today for the transitional licensing. The FAQs are broken into two categories:  types of loan originators and state transitional licenses. The rules are effective November 24, 2019 and allow for ELIGIBLE registered and state-licensed originators to receive temporary authority to originate during the 120 period of...

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Debra Killian
March 22, 2020

4 Buckets of Nuggets to Consider in a Mortgage Transaction in a National Crisis!

As I write this I know the mortgage business will change. This post is not meant to provide financial or legal advice. Things will continue to change and the ONLY intent is to provide information that MAY apply to your circumstances. We are in a very uncertain time. Facts and...

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Don DeRespinis
October 21, 2018

How To Use Presentation Notes

See detail notes about the topics discussed. When reviewing slides Select the Notes Tab to see the details. Additional comments and information not discussed is included in the Instructor Notes. Read them and remember what they say! Everything and every word is important!

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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.