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Debra Killian
November 26, 2018

Will You Be Ready for Transitional MLOS?

November 24, 2019 – That’s not a typo, yes, it’s one year away! Did you know federal law mandates states implement “transitional licensing authority” by November 24, 2019?  If you manage originators in a depository, have you considered if this will impact you and if so how?  How about...

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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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Don DeRespinis
January 24, 2018

Deb Killian, CRMS, presents CLOES.ONLINE at Mortgage Bankers Association Independent Mortgage Bankers Conference in Amelia Island, FL on January 23, 2018

Education of Loan Originators was a hot topic at the conference. Check out cloes.online

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Debra Killian
May 6, 2020

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...

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Debra Killian
March 29, 2023

7 Hours in Front of 125 Real Estate Agents! Loan Originators Pay Attention! Now Is The Time…Learn to Teach Real Estate Continuing Education!

In the last 3 weeks, I spent 7  hours in front of 125 real estate agents!  A captive audience.  Curious how I got there? If you’ve read this far, this is not a brag post.  It’s an opportunity for you to get in front of your target audience and...

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Debra Killian
March 3, 2026

“Accelerate Your Success with Our Exclusive 20-Hour Pre-Licensing Education Program: Unbeatable Value at Just $299!”

Ready to embark on a rewarding career as a mortgage loan originator? Look no further! We’re thrilled to announce our latest offering: the comprehensive 20-Hour Safe Pre-Licensing Education Program  Our newest course was written by and taught by veteran mortgage loan originator Debra Killian.   It’s packed with valuable insights,...

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Debra Killian
June 29, 2019

Big Changes for Depository Lenders and Real Estate Professionals May Be on the Horizon.

With low rates and refinances slowing down turn times in the middle of the summer selling season, changes may be coming that are most likely not on your radar. Depository institutions may want to begin to develop a strategy for Transitional Licensing Authority that could change the originator pool....

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Debra Killian
January 27, 2025

Introducing CLOES.online – Loan Originator Training Membership Subscription

Check out our new membership subscription option for any loan originator who is ready to learn how to earn more money and become a mortgage expert in under a year. This material will set up a mortgage originator for life. This plan is offered at a price everyone can...

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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...

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Don DeRespinis
October 31, 2017

20 Hour SAFE Act Mortgage Loan Originator course Approved by NMLS

 The 20 Hour SAFE Act Mortgage Loan Originator course ID # 7366 was recently approved by NMLS for online delivery. The course is required by all Mortgage Loan Originators and Independent Mortgage Processors as a pre-requisite for obtaining a mortgage loan originator license. The course is 20 hours of...

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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.