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The First Decade of Social Media. What Will 2020 Bring?
This is the first decade where social media found its place! While I was a bit late to the party, this year I was honored to cross paths with so many people simply because of social media; people I never would have met or had an opportunity to interact...
NMLS Continuing Education Webinar by Deb Killian is now available.
Meet Deb Killian in her first National NMLS Continuing Education course for 2018. 8 Hour SAFE Comprehensive Federal 2018 CE – The Mortgage Professional Find out what it means to be a Mortgage Professional This program will be available on demand and on your time. Contact deb at deb@cloes.online...
Waiting to Take Your NMLS Test? Keep Studying!
Employers may be challenged getting new originators working. If you have employees who have completed their 20-hour national education and are ready for the test, it may be a while. The NMLS has put out the following summary regarding applicants needing to take the national test for a state-loan...
Real Estate Update Newsletter June 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...
DOL Closes the Door on Mortgage Originators Paid as Independent Contractors
In the fast-paced world of mortgage lending, a crucial yet often overlooked issue is always lurking between companies and those mortgage loan originators they employ; the misclassification of mortgage loan originators. Often labeled as independent contractors, many of these financial professionals find themselves in a precarious position, unable to...
Introducing CLOES.online – Loan Originator Training Membership Subscription
Check out our new membership subscription option for any loan originator who is ready to learn how to earn more money and become a mortgage expert in under a year. This material will set up a mortgage originator for life. This plan is offered at a price everyone can...
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...
DU Findings – Before & After
We like less confusing! Right after I finished my Only Three Conditions on the First Underwrite webinar today I received a FNMA update. Thank you Fannie Mae. In response to feedback from lenders and technology providers, Fannie Mae has rewritten and simplified the DU Validation Service messages. According to...
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
CLOES.online NMLS Continuing Education 2018 Results of Participation
A majority of the students appreciated hearing some new content from a peer who was experiencing the same issues as them and in the same business environment.
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.




