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Originators: Consumers Need You More Than Ever!
Loan locked, Loan Estimate out, Intent to Proceed signed, appraisal inspection scheduled for today. What could go wrong? And then the call…customer letting me know she canceled the inspection. No, she didn’t want 0.00% 30 year fixed! She and her husband are both physicians working in an E.R. where...
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...
Jobless Claims at 3.2 MILLION Today! 9 Things Every Originator Should Be Doing
Is there any good news today? I guess at least people who have filed will begin collecting some income. The mortgage world is in flux and the challenges are coming faster than we can deal with. We play a very important role as mortgage professionals by helping people make...
FHFA New 1003 Timeline: November 2020
December 18, 2020 – Did you attend one of our live seminars on the new 1003 this year? If so, we got side-railed a bit when the GSE’s delayed the implementation date. Well, it appears we are back on track. Today the FHFA and GSEs announced the mandatory deadline...
The California Case of 1099 vs. W-2!
Recently California Governor Gavin Newsom signed into law rules for classifying workers. It started out with Uber, Lyft and other independent operators. It may affect your mortgage business. The law takes effect January 1, 2020. This 4-part mini-series streaming this week is comprised of 5-10 minutes videos highlights key...
Introducing The Mortgage Professional Certification
The Mortgage Professional Certification is the first verifiable loan originator competency certification available to Mortgage Loan Originators. Now Loan Originators can prove they have and use the education necessary to originate a compliant mortgage under a defined code of conduct. Lenders and Banks can be assured their originators have...
What Does Your Training Board Look Like?
Could you pass the NMLS test today again if you had to? Is it time to reassess mortgage knowledge even for seasoned originators? Learning! What we learn, why we learn, how we learn and how do we know we learned! As a course developer and originator I can tell...
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...
NAMB to Raise 4 Major Issues in Congress April, 17 2020
According to Roy Deloach from the National Association of Mortgage Brokers, NAMB, the Association is working on legislative changes that are important to all mortgage originators and brokers. By contacting your representative to support these issues will help to make them happen.
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.




