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The Feds Beef Up Employment Enforcement on Independent Contractors
With rates going up, refinance volume quickly heading south and originators looking for the next shiny thing, we are bound to see movement in the industry. That means mergers, buyouts and some companies closing. Migrating originators can be a tricky challenge for the next employer. There are two issues...
NAMB Offers CLOES.online NMLS Approved Pre-licensing Education Online Course
The National Association of Mortgage Professionals recently announced its newest offering! NAMB will offer members discounts on NMLS Pre-licensing education. The 20-hour NMLS approved PE course is online, on demand. Start and Watch Anytime! NMLS Approved Course ID#7366
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...
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...
Not All 20-Hour SAFE Act Courses Are the Same
Passing the exam is required. Competency is expected. Every NMLS-approved 20-Hour SAFE Act course technically checks the same regulatory box. That does not mean they prepare you equally for the realities of mortgage lending. Most courses are built to help you pass a test. Ours is built to help...
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...
One Click Can Cost Millions: Cybersecurity Risks for Mortgage Loan Originators
Real Estate Update March 2021
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...
Jobless Claims at 3.2 MILLION Today! 9 Things Every Originator Should Be Doing
Is there any good news today? I guess at least people who have filed will begin collecting some income. The mortgage world is in flux and the challenges are coming faster than we can deal with. We play a very important role as mortgage professionals by helping people make...
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.




