MORTGAGE PRACTICES
VIEW COURSE
LOAN ORIGINATORS
LEARN MORE
Mortgage Originators
LEARN MORE
Processing Fundamentals
VIEW COURSEPopular Courses
Latest News
Our Latest Posts!
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...
Introducing Course Schedules
Course Schedules allows students to participate in group classes at scheduled times. Many busy professionals have difficulty completing unscheduled activities because of the demands on their time. These busy professionals prefer to commit to a scheduled time activity over a period of 1 to 4 weeks. Course Schedules allows...
Hey…What’s a Tripod? I Want One!
Learn how to get YOUR Tripod. Free LIVE Webinar on May 5th 12:00 Noon ET! In this COVID-19 world, companies need all possible resources at their fingertips to keep businesses going and growing to recruit and provide quality professional development in a safe environment. Is consumer direct the future...
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...
Changes to the Appraisal Form and Data Coming!
With the new URLA behind us…along comes the next major change in residential lending. Fannie Mae and Freddie Mac (aka the GSEs) have provided an update on the new URAR. Yes, the Uniform Residential Appraisal Report is undergoing some major changes. Here are just a few highlights: Input was gathered...
60 Days to Temporary Authority!
The CFPB published FAQs today for the transitional licensing. The FAQs are broken into two categories: types of loan originators and state transitional licenses. The rules are effective November 24, 2019 and allow for ELIGIBLE registered and state-licensed originators to receive temporary authority to originate during the 120 period of...
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...
What It Takes to Pass the NMLS Test!
If you are thinking of getting a Mortgage Loan Originator State License, you should know the NMLS pass rate for first-time test-takers is in the mid-50s. To clarify, that means roughly half of everyone sitting for the first time fails! Why? The NMLS exam isn’t something you can pass...
What New Mortgage Loan Originators Need to Know That Nobody Ever Tells You
The mortgage origination field can seem quite appealing, offering the potential for high earnings, autonomy, and the satisfaction of assisting others with their home financing. However, this allure often leads to unrealistic expectations and, ultimately, disillusionment and failure. True success in the mortgage industry requires setting realistic goals and...
Redesigned URLA Video – How to Use the 2021 Loan Application
Ahhh…another industry change while volume is at an all time high! Just what we need in 2021! We started talking about the new URLA in 2018; and then it changed…and then it changed again. Finally! After several years of the GSE’s designing formats, revising (adding and deleting) data points,...
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.



