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New York State Required Mortgage Compliance Program 2026* Enroll Now
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Debra Killian

New York State Required Mortgage Compliance Program 2026*

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Anti Money Laundering 2026 Update Enroll Now
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Don DeRespinis

Anti Money Laundering 2026 Update

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Don DeRespinis
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Cybersecurity 2026 and the DOJ* Enroll Now
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Debra Killian

Cybersecurity 2026 and the DOJ*

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Required Mortgage Compliance Program* Enroll Now
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Required Mortgage Compliance Program*

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20 Hour FEDERAL SAFE NMLS PE ID# 7366 Mortgage Loan Originator Enroll Now
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Debra Killian

20 Hour FEDERAL SAFE NMLS PE ID# 7366 Mortgage Loan Originator

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Debra Killian
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22 Hour FLORIDA SAFE NMLS PE ID#7366 Includes FL 2 hour NMLS ID#11185 Mortgage Loan Originator Enroll Now
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Debra Killian

22 Hour FLORIDA SAFE NMLS PE ID#7366 Includes FL 2 hour NMLS ID#11185 Mortgage Loan Originator

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Debra Killian
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38
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$439$359 Includes $33 in NMLS fees
21 Hour CONNECTICUT SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator Enroll Now
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Debra Killian

21 Hour CONNECTICUT SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator

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Debra Killian
3
55
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$409$329 Includes $31.50 in NMLS fees
LO Compensation Rule Compliance* Enroll Now
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Debra Killian

LO Compensation Rule Compliance*

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MLO License Exam Preparation Course Enroll Now
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MLO License Exam Preparation Course

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Anti Money Laundering 2025 Update Enroll Now
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Debra Killian

Anti Money Laundering 2025 Update

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First Year Originator Training Single Payment Plan Enroll Now
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Debra Killian

First Year Originator Training Single Payment Plan

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First Year Originator Training Subscription Plan Enroll Now
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First Year Originator Training Subscription Plan

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Origination Best Practices…The Key to Your Success! Enroll Now
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Debra Killian

Origination Best Practices…The Key to Your Success!

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Your First Year in Mortgages – From Licensing to Mastery Enroll Now
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Your First Year in Mortgages – From Licensing to Mastery

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New York State Human Rights and The Fair Housing Act* Enroll Now
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New York State Human Rights and The Fair Housing Act*

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Latest News

Our Latest Posts!

Don DeRespinis
October 1, 2018

Mortgage Originator Continuing Education 2018 – Online and On Demand

A New Kind of Licensing Course! CLOES.online 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 first National NMLS Continuing Education course for 2018.  SAFE Federal 2018 CE – The Mortgage Professional.  Find...

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Debra Killian
April 17, 2019

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...

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Debra Killian
March 29, 2020

4 Things Customers Need to Know BEFORE Selecting a Mortgage…

Every customer should receive a written analysis; it helps take emotion out of the equation. I do it for all my purchases and refinances. Yes, we have lots of long discussions, but hearing and seeing are two different things! The point of an analysis (particulary for refinances) is for...

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Don DeRespinis
February 5, 2020

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...

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Debra Killian
August 17, 2023

CFPB Issues Fines for Favors: Mortgage and Real Estate Firms Handed $1.95M Penalty for RESPA Violations

In a startling turn of events, two major players in the mortgage and real estate industry have been dealt a hefty blow with fines totaling a staggering $1.95 million. The penalties come as a result of their failure to comply with the Real Estate Settlement Procedures Act (RESPA), a...

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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...

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Debra Killian
November 4, 2019

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,...

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Don DeRespinis
January 15, 2019

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.

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Debra Killian
February 21, 2025

Mortgage Training Doesn’t Have to Be Overwhelming or Expensive—Here’s a Better Way!

Looking for a smarter, more affordable way to learn the mortgage business? If you are preparing to pass the NMLS exam and start a career as a mortgage loan originator (MLO), it comes with a steep learning curve. You need to understand complex loan products, strict guidelines, compliance rules...

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Debra Killian
September 1, 2020

Real Estate Update Newsletters 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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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.