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Debra Killian
May 2, 2025

Can MLOs Truly Be Independent Contractors?

Are Your MLOs Truly Independent Contractors? Many mortgage companies classify Mortgage Loan Originators (MLOs) as independent contractors. However, federal laws—including the Department of Labor's guidelines, IRS rulings, and the SAFE Act—suggest otherwise. These regulations emphasize that MLOs often function as employees due to factors like company control, lack of independent...

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Debra Killian
August 8, 2026

FREE TRAINING: If You’re Tired of Chasing Documents, Watch This!

Getting customers is one thing. Keeping them is another. One of the fastest ways to lose the confidence of a borrower or real estate partner is to leave them hanging because something is missing from the loan file. In this video, I’ll show you how to fully document the...

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Don DeRespinis
April 2, 2018

20 Hour Video NMLS Licenses course good for CPA 2018 Continuing Education

Cloes.online offers the only 20 Hour Full Video On-line Course Approved by NMLS for Pre-Licensing Education.  This course is an excellent choice for CPA Continuing education credits  due June 2018. 20 Hour SAFE Act Comprehensive Mortgage Loan Originator course provides a detail analysis of the laws and regulations covering...

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Debra Killian
August 13, 2019

IMPACT – Can Empathy Exist in Mortgage Transactions?

Originators have a significant impact on the psychological emotional, and financial well-being of every consumer they interact with and it stays with them well beyond the closing. Let’s also not forget impact on our bosses, co-workers, real estate referral and other partners and our companies! We believe this is...

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Debra Killian
May 11, 2021

Real Estate Update May 2021

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...

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Don DeRespinis
March 26, 2019

Introducing Mortgage Professional News

Introducing Mortgage Professional News a streaming information service that delivers timely information directly to your inbox. Content is from three major sources: Articles and discussion on recent Mortgage Professional topics Live Webinars, New Courses, Presentations, Videos on Mortgage Education Major Notices for Mortgage Professionals Keep up to date on...

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Debra Killian
November 2, 2020

Real Estate Update November 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...

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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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Don DeRespinis
August 19, 2019

Introducing the Loan Originator Pre-licensing Education Sequel Course “Mortgage Professional Practices”

A complete video presentation on the "Best Practices" of mortgage loan originators.

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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.