GET ADVANCED EDUCATION NOW!

MORTGAGE PRACTICES

TAKE YOUR FIRST CLASS
DESIGNED FOR

LOAN ORIGINATORS

LEARN MORE
Professional Development for

Mortgage Originators

LEARN MORE
GET THE JOB DONE NOW!

Processing Fundamentals

VIEW COURSE
logo-top-1

NMLS LICENSING COURSES

View More
logo-top-2

MORTGAGE ORIGINATION COURSES

View More
favicon

ALL COURSES

View More

Popular Courses

New York State Required Mortgage Compliance Program 2026* Enroll Now
User Avatar
Debra Killian

New York State Required Mortgage Compliance Program 2026*

User Avatar
Debra Killian
0
21
students
$349
Anti Money Laundering 2026 Update Enroll Now
User Avatar
Don DeRespinis

Anti Money Laundering 2026 Update

User Avatar
Don DeRespinis
1
45
students
$49
Cybersecurity 2026 and the DOJ* Enroll Now
User Avatar
Debra Killian

Cybersecurity 2026 and the DOJ*

User Avatar
Debra Killian
1
196
students
$49
Required Mortgage Compliance Program* Enroll Now
User Avatar
Debra Killian

Required Mortgage Compliance Program*

User Avatar
Debra Killian
8
32
students
$299$249
20 Hour FEDERAL SAFE NMLS PE ID# 7366 Mortgage Loan Originator Enroll Now
User Avatar
Debra Killian

20 Hour FEDERAL SAFE NMLS PE ID# 7366 Mortgage Loan Originator

User Avatar
Debra Killian
23
350
students
$379$299 Includes $30 in NMLS fees
22 Hour FLORIDA SAFE NMLS PE ID#7366 Includes FL 2 hour NMLS ID#11185 Mortgage Loan Originator Enroll Now
User Avatar
Debra Killian

22 Hour FLORIDA SAFE NMLS PE ID#7366 Includes FL 2 hour NMLS ID#11185 Mortgage Loan Originator

User Avatar
Debra Killian
3
38
students
$439$359 Includes $33 in NMLS fees
21 Hour CONNECTICUT SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator Enroll Now
User Avatar
Debra Killian

21 Hour CONNECTICUT SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator

User Avatar
Debra Killian
3
55
students
$409$329 Includes $31.50 in NMLS fees
LO Compensation Rule Compliance* Enroll Now
User Avatar
Debra Killian

LO Compensation Rule Compliance*

User Avatar
Debra Killian
0
0
student
$49
MLO License Exam Preparation Course Enroll Now
User Avatar
Debra Killian

MLO License Exam Preparation Course

User Avatar
Debra Killian
5
44
students
$97
Anti Money Laundering 2025 Update Enroll Now
User Avatar
Debra Killian

Anti Money Laundering 2025 Update

User Avatar
Debra Killian
1
45
students
$49
First Year Originator Training Single Payment Plan Enroll Now
User Avatar
Debra Killian

First Year Originator Training Single Payment Plan

User Avatar
Debra Killian
0
121
students
$897$697 one time payment
First Year Originator Training Subscription Plan Enroll Now
User Avatar
Debra Killian

First Year Originator Training Subscription Plan

User Avatar
Debra Killian
0
25
students
$89$67 per month. Cancel anytime.
Origination Best Practices…The Key to Your Success! Enroll Now
User Avatar
Debra Killian

Origination Best Practices…The Key to Your Success!

User Avatar
Debra Killian
18
45
students
$997$697
Your First Year in Mortgages – From Licensing to Mastery Enroll Now
User Avatar
Debra Killian

Your First Year in Mortgages – From Licensing to Mastery

User Avatar
Debra Killian
0
78
students
$1,341$997
New York State Human Rights and The Fair Housing Act* Enroll Now
User Avatar
Debra Killian

New York State Human Rights and The Fair Housing Act*

User Avatar
Debra Killian
1
0
student
$49

Latest News

Our Latest Posts!

Debra Killian
April 20, 2020

Hey…What’s a Tripod? I Want One!

Learn how to get YOUR Tripod. Free LIVE Webinar on May 5th 12:00 Noon ET! In this COVID-19 world, companies need all possible resources at their fingertips to keep businesses going and growing to recruit and provide quality professional development in a safe environment. Is consumer direct the future...

Read More
Debra Killian
September 6, 2019

Become a Certified Credit Specialist (CCS)!

Think you know credit? Learn a NEW WAY to educate consumers about credit reports while earning a professional designation! Monday, September 16th – 11:00 am – 5:00 pm (Emperor’s Ballroom 2) – $149 Members; $279 Non-Members Why get certified? Most originators have never had real professional development, education or...

Read More
Debra Killian
March 18, 2025

What It Takes to Pass the NMLS Test!

If you are thinking of getting your Mortgage Loan Originator State License, there is a crucial statistic you need to know: the NMLS pass rate for first-time test-takers is hovering right in the mid-50s. To clarify, that means roughly half of everyone who sits for the exam fails on...

Read More
Debra Killian
August 1, 2024

When Starting a Mortgage Broker Business…Hope is Not a Strategy!

I have been receiving many inquiries about what it takes to start a mortgage broker business and how to get started.  I recently spoke to a gentleman who thought he wanted to start his own business, but after our lengthy conversation, he came to the conclusion “I just want...

Read More
Don DeRespinis
March 10, 2020

NAMB to Raise 4 Major Issues in Congress April, 17 2020

According to Roy Deloach from the National Association of Mortgage Brokers, NAMB, the Association is working on legislative changes that are important to all mortgage originators and brokers. By contacting your representative to support these issues will help to make them happen.

Read More
Don DeRespinis
January 19, 2026

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...

Read More
Debra Killian
May 27, 2022

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...

Read More
Debra Killian
October 2, 2019

Why California Passed the Law & Exempt Occupations Part 2

In the 2nd of our 4-part mini-series we discuss why the law was passed and exemptions allowing for 1099 status. 4 Part Mini- Series Dynamex Operations West Inc, v CA Superior Court decision Exempt workers from W-2 status Penalties for misclassified workers Proactive steps businesses should consider These educational...

Read More
Debra Killian
January 3, 2023

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...

Read More
Debra Killian
September 1, 2020

Real Estate Update Newsletters 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...

Read More

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.