MORTGAGE PRACTICES
TAKE YOUR FIRST CLASS
LOAN ORIGINATORS
LEARN MORE
Mortgage Originators
LEARN MORE
Processing Fundamentals
VIEW COURSEPopular Courses
Latest News
Our Latest Posts!
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...
January 2, 2020 Originator 4-4-10
Some content is more easily digested and retained when taken online. It depends on the depth of the content, the experience of the student and the need for reinforcement. You asked for it…we got it! LIVE workshop January 15, 2020; 9:00-5:00 Martin County Realtors of the Treasure Coast, Stuart,...
Mortgage Company Compliance Requirements for AML Training
How does a mortgage company meet the statutory requirement for Anti-Money Laundering education? The question comes up because many companies do not comply with the annual education requirement for all employees. In our opinion the law and regulations on AML training is purposely not specific because the term education...
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...
CLOES.online NMLS Continuing Education 2018 Results of Participation
A majority of the students appreciated hearing some new content from a peer who was experiencing the same issues as them and in the same business environment.
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...
Reduce Costs While Providing Real Mortgage Professional Development!
It’s December 2019. Your entire origination staff just got Certified by a 25 year mortgage veteran. Your underwriting conditions are cut in half due to less touches on more profitable files. Your customer service has improved dramatically and the stress level with all employees is greatly reduced. Not to...
New Federal Consumer Survey? Take a Peek!
Mortgage professionals may want to know what the government is asking your borrowers after closing. Recently the Bureau of Consumer Financial Protection (BCFP) and the Federal Housing Finance Agency (FHFA) released a new loan-level dataset, for public use; a compilation of data collected through the National Survey of Mortgage...
What the Heck is SOFR?
Every time I finish writing another episode on mortgage financing, as if on queue, something significant changes. If you sell financial products linked to LIBOR, changes may be heading your way…okay so maybe not till 2021! Today, Timothy Kitt, Senior Vice President, Head of Pricing and Execution for Freddie...
Did He Just Suggest We Open Up The SAFE Act?
Why the two tier system anyway? Do consumers realize the difference? For the sake of full disclosure, my business is education. I am a mortgage educator. I write, record and instruct courses for depository and non-depository originators alike. Their job is the same! One could reasonably argue that I...
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.




