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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...
Waiting Until 70 For Social Security Benefits may not make sense and here is why.
Waiting Until 70 For Social Security Benefits may not make sense and here is why.
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...
Fannie Requiring Business Accounts for Self-Employed!
My analogy to guidelines these days is they are like trying to hold jello in the palm of your hand. Squishy, slippery, moving; slipping through your fingers! Patience is a virtue! We need to understand that underwriters spend MUCH more time determining the amount of income that can be...
Originate More! What Top Producers Know…That You May Be Missing.
A picture is worth a thousand words! Take a good look at that image; then ask yourself, how long will you wait before you really learn the business? Why do top producers have time to bring in more business? Minimum knowledge to fill out a 1003 doesn’t cut it!...
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...
20 Hour SAFE Act Mortgage Loan Originator course Approved by NMLS
The 20 Hour SAFE Act Mortgage Loan Originator course ID # 7366 was recently approved by NMLS for online delivery. The course is required by all Mortgage Loan Originators and Independent Mortgage Processors as a pre-requisite for obtaining a mortgage loan originator license. The course is 20 hours of...
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...
Introducing the Loan Originator Pre-licensing Education Sequel Course “Mortgage Professional Practices”
A complete video presentation on the "Best Practices" of mortgage loan originators.
4 Things Customers Need to Know BEFORE Selecting a Mortgage…
Every customer should receive a written analysis; it helps take emotion out of the equation. I do it for all my purchases and refinances. Yes, we have lots of long discussions, but hearing and seeing are two different things! The point of an analysis (particulary for refinances) is for...
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.




