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CLOES online Featured on National Association Web Site
CLOES.online is pleased to be featured on the National Association of Mortgage Brokers, NAMB, Web site https://namb.org/page/Nambfoundation. CLOES.online supports the association’s efforts to bring more education and professionalism into the Mortgage Industry. They do this through quality education and certification programs. NAMB provides its member with discounts to our...
What Does Your Training Board Look Like?
Could you pass the NMLS test today again if you had to? Is it time to reassess mortgage knowledge even for seasoned originators? Learning! What we learn, why we learn, how we learn and how do we know we learned! As a course developer and originator I can tell...
Security on Your Computer – It Is More Important Now
Rob Chrisman <rchrisman@robchrisman.com> wrote an excellent summary on Cybersecurity for Mortgage Professionals in his blog. Read it at: https://www.robchrisman.com/oct-27-cybersecurity-password-tips-two-factor-authentication-blockchain-legislation-developments/ Don’t let a simple mistake reveal all of your information and the information of others.
The SAFE ACT of 2008 vs 1099s!
With so much focus on AB5, California and the IRS reporting of originator income, is it possible we are missing the 10,000 lb gorilla? California is leading the country into a necessary review of worker misclassification. Recently New Jersey, New York, Illinois, Wisconsin, Oregon and Washington joined California with...
Introducing the Loan Originator Pre-licensing Education Sequel Course “Mortgage Professional Practices”
A complete video presentation on the "Best Practices" of mortgage loan originators.
Underwriting, Appraisals and E-signature Guidance Issued by Fannie Mae Today!
Fannie Mae issued guidance today in their Lender Letters 2020-03 and 2020-04. We have reviewed the information and produced a video of highlights for you. We do not provide legal or investor advice. As with all transactions, please consult with your investor’s guidelines, compliance departments and underwriting standards and...
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...
Jobless Claims at 3.2 MILLION Today! 9 Things Every Originator Should Be Doing
Is there any good news today? I guess at least people who have filed will begin collecting some income. The mortgage world is in flux and the challenges are coming faster than we can deal with. We play a very important role as mortgage professionals by helping people make...
NMLS Resources – Temporary Authority (TA) to Originate
November 24, 2019 is the effective date for Temporary Authority, and it’s right around the corner. Transitional Licensing was passed as part of S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act and provides 120-day temporary authority to operate as a state-licensed mortgage loan originator for individuals...
8 Episodes of Fundamentals of Processing Teaches the WHY!
Mortgage Processing Fundamentals is an on-demand, video recorded program which presents the base of knowledge needed to succeed at residential mortgage processing. The course is written and presented by a 25-year seasoned loan originator who has processed her own loans. The fundamentals are universal and can be applied to...
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.




