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Debra Killian
October 28, 2019

W-2 Contagion? The “ABC” Test Federalized?

If you followed our mini series on California’s latest law AB5, you know that independent contractor “1099” status just got tougher in CA. AB5 seriously increased the ability for state and federal governments to reclassify workers from independent contractors to “employee”(W-2) status. If this is not a topic you...

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Debra Killian
November 24, 2020

Happy Thanksgiving! – 2021 Loan Limits Released!

You wouldn’t know we were in the middle of a pandemic based on the housing market.  That conforming limit keeps creeping up. It all seems crazy from when I started in the mortgage business in 1994, the conforming loan limit was $225,000. Fast forward 26 years…the 2020 limit was...

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Debra Killian
October 13, 2021

CLOES.online – On Demand BSA/AML Training

Real estate transactions are the easiest way to launder money due to the size of the transactions and the amount of money that can be “cleaned”.  All financial institutions are required to comply with the Bank Secrecy Act. Money laundering may also involve tax fraud as well as other...

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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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Don DeRespinis
September 5, 2024

NAR’s Home Finance Resource Certification presented by Deb Killian

NAR’s Home Finance Resource Certification presented by Deb Killian Watch video:   

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Don DeRespinis
December 17, 2018

CLOES.online Introduces Student Centric Interface

Now each student can select the format and user experience that works best for them.

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Debra Killian
October 25, 2021

Redesigned URLA Video – How to Use the 2021 Loan Application

Ahhh…another industry change while volume is at an all time high!  Just what we need in 2021!  We started talking about the new URLA in 2018; and then it changed…and then it changed again.  Finally! After several years of the GSE’s designing formats, revising (adding and deleting) data points,...

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Don DeRespinis
September 4, 2018

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...

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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.