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Don DeRespinis
January 11, 2019

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...

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Debra Killian
January 3, 2023

Jeanne Kelly & Debra Killian Announce New Program for Originators Working with Realtors!

Join Jeanne Kelly Credit Coach and Debra Killian on Credit Over Coffee as they discuss getting into the mortgage industry and Debra’s E-Course, Mortgage Origination Practices. 2023 will be a challenging year for most mortgage companies and originators. Everyone wants purchase business. This podcast will change the way you...

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Debra Killian
August 13, 2019

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...

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Debra Killian
November 22, 2019

Temporary Authority W-2 Requirement

For those who have been following our series and attending our webinars on 1099 v. W-2, here’s a new consideration in the age-old debate. The Economic Growth, Regulatory Relief and Consumer Protection Act (EGRRCPA) revised the SAFE Act. Effective Monday, November 25, 2019 the revision allows QUALIFIED Registered (depository)...

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Debra Killian
April 29, 2020

CFPB Issues Rule on TILA Financial Emergency, Rescission & Change of Circumstances

April 29, 2020 – The CFPB issued an Interpretive Rule today titled: Application of Certain Provisions in the TILA-RESPA Integrated Disclosure Rule and Regulation Z Right of Rescission Rules in Light of the COVID-19 Pandemic. The rule allows for COVID-19 to be a “financial emergency reason for borrowers to...

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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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Debra Killian
March 22, 2020

4 Buckets of Nuggets to Consider in a Mortgage Transaction in a National Crisis!

As I write this I know the mortgage business will change. This post is not meant to provide financial or legal advice. Things will continue to change and the ONLY intent is to provide information that MAY apply to your circumstances. We are in a very uncertain time. Facts and...

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Debra Killian
May 11, 2021

Real Estate Update May 2021

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
May 1, 2020

Update: NMLS Test Centers Start Opening Again!

The Nationwide Multi-state Licensing System and Registry just posted an update on MLO testing. Here is the list of NMLS test centers opening as of May 1, 2020. The announcement went on to state alternative testing options: Starting in mid-May, SAFE MLO National Test candidates will also have the...

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Debra Killian
January 13, 2020

Effective In-house Training Outsourcing What Everyone Needs to Know.

It’s a new year with all the hopes that January brings…it’s also Monday. New week, same old issues. You are in charge of “training.” You yawn, sip your coffee and try to remember where you left off on Friday afternoon. In-house training departments face many challenges. They are expensive...

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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.