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Debra Killian
May 1, 2020

Real Estate Update Newsletter 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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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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Debra Killian
February 19, 2019

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...

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Debra Killian
September 9, 2019

The Mortgage List – Open Mic Focus on Education

Faster, better, less, faster, sooner, easier ! Those are the messages coming from the industry. But, do we know that it’s really what’s best for consumers? Is it fair to originators? Are we setting consumers up for speed or great advice? How many seconds faster are you than you...

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Debra Killian
February 21, 2025

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? If you are preparing to pass the NMLS exam and start a career as a mortgage loan originator (MLO), it comes with a steep learning curve. You need to understand complex loan products, strict guidelines, compliance rules...

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Don DeRespinis
October 27, 2018

Security on Your Computer – It Is More Important Now

Rob Chrisman  <rchrisman@robchrisman.com>  wrote an excellent summary on Cybersecurity for Mortgage Professionals in his blog. Read it at: https://www.robchrisman.com/oct-27-cybersecurity-password-tips-two-factor-authentication-blockchain-legislation-developments/ Don’t let a simple mistake reveal all of your information and the information of others.

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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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Don DeRespinis
February 26, 2019

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...

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Debra Killian
November 4, 2019

January 2, 2020 Originator 4-4-10

Some content is more easily digested and retained when taken online. It depends on the depth of the content, the experience of the student and the need for reinforcement. You asked for it…we got it! LIVE workshop January 15, 2020; 9:00-5:00 Martin County Realtors of the Treasure Coast, Stuart,...

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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.