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

Debra Killian
December 1, 2020

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...

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Debra Killian
October 16, 2019

W-2 or 1099? The Final Word on Dynamex! RETROACTIVE!

Mortgage professionals…you may think this doesn’t apply to you…and maybe it doesn’t. This purported gray area has caused many employees and companies to grapple with the rules with many debates on this topic. Until now! On October 8, 2019, the CA Supreme Court ruled that if companies have misclassified...

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Debra Killian
February 27, 2020

NMLS Late C.E. Happy Leap Year!

If you really, really procrastinated taking 2019 CE be glad this is a leap year! Last fall the NMLS published a Notice on 2020 Late CE Course Catalog. The notice included rules in an overview, which if you are licensed MLO, you already know, right? But…since there are two...

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Debra Killian
January 22, 2019

NAMB Offers CLOES.online NMLS Approved Pre-licensing Education Online Course

The National Association of Mortgage Professionals recently announced its newest offering! NAMB will offer members discounts on NMLS Pre-licensing education. The 20-hour NMLS approved PE course is online, on demand. Start and Watch Anytime! NMLS Approved Course ID#7366

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Don DeRespinis
April 2, 2020

Real Estate Update Newsletter April 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
February 11, 2025

California’s AB 3108: New Felony Charges for Mortgage Brokers

When a Borrower Doesn’t Qualify for Conventional Financing—Think Twice Before Defaulting to Non-QM! It’s tempting to label a loan as investment purpose when a borrower doesn’t meet conventional guidelines—even when they plan to occupy the home as a primary residence. Well, that loophole just slammed shut!   California’s AB 3108...

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Debra Killian
October 8, 2019

IRS Offers One-Time Chance to Correct Taxes of Misclassified Employees! Part 3

In episode 3 of our 4-part series (Dynamex vs. Superior Court CA), we discuss how employers can be penalized for misclassified workers, how back taxes and payroll tax penalties are calculated and what you can do to correct your classification of employees. 4 Part Mini- Series Dynamex Operations West...

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Debra Killian
November 24, 2020

Happy Thanksgiving! – 2021 Loan Limits Released!

You wouldn’t know we were in the middle of a pandemic based on the housing market.  That conforming limit keeps creeping up. It all seems crazy from when I started in the mortgage business in 1994, the conforming loan limit was $225,000. Fast forward 26 years…the 2020 limit was...

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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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Debra Killian
May 15, 2022

8 Episodes of Fundamentals of Processing Teaches the WHY!

Mortgage Processing Fundamentals is an on-demand, video recorded program which presents the base of knowledge needed to succeed at residential mortgage processing. The course is written and presented by a 25-year seasoned loan originator who has processed her own loans. The fundamentals are universal and can be applied to...

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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.