logo-top-1

NMLS LICENSING COURSES

View More
logo-top-2

MORTGAGE ORIGINATION COURSES

View More
favicon

ALL COURSES

View More

Popular Courses

Latest News

Our Latest Posts!

Debra Killian
December 29, 2019

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...

Read More
Debra Killian
December 1, 2020

Real Estate Update December 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
Don DeRespinis
August 21, 2019

Mortgage Originator NMLS Continuing Education 2019 – Online and On Demand

Take a look Here.  At last Online Continuing Education worth taking!  We have taken CE courses since 2011 and they are all the same. Presenting Deb Killian in her National NMLS Continuing Education course for 2019.  SAFE Federal 2019 CE – The Mortgage Professional.  Find out what it means...

Read More
Don DeRespinis
October 21, 2018

How To Use Presentation Notes

See detail notes about the topics discussed. When reviewing slides Select the Notes Tab to see the details. Additional comments and information not discussed is included in the Instructor Notes. Read them and remember what they say! Everything and every word is important!

Read More
Debra Killian
October 10, 2019

1099 vs. W-2: How Employers Get Caught! Take Action Now!

In the final episode of our 4-part series (Dynamex vs. Superior Court CA), we discuss how employers are reported and steps to consider if the potential for misclassification is present. Routine state or IRS company audits may also trigger an investigation. 4 Part Mini- Series Dynamex Operations West Inc,...

Read More
Debra Killian
June 1, 2020

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...

Read More
Debra Killian
May 1, 2020

Update: NMLS Test Centers Start Opening Again!

The Nationwide Multi-state Licensing System and Registry just posted an update on MLO testing. Here is the list of NMLS test centers opening as of May 1, 2020. The announcement went on to state alternative testing options: Starting in mid-May, SAFE MLO National Test candidates will also have the...

Read More
Debra Killian
January 12, 2020

I am Supposed to Know All the Labor Laws?

So, now I am entrenched in all things Mortgage Businesses must know about employment. Everyday sipping my coffee, I read! Blogs, newsletters, announcements, court cases, compliance issues and a myriad of other topics for about an hour.  The topics range from mortgage compliance to IRS issues to mortgage fraud....

Read More
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
December 20, 2022

Employee or Independent Contractor Classification Under the Fair Labor Standards Act

On October 13, 2022 the Federal Department of Labor published findings in Vol. 87, No. 197 of the Federal Register. The W-2/1099 controversary hits many businesses.  As stated in previous posts, there is no special 1099 consideration for mortgage loan originators.   Regardless of which state you work in or...

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.