GET ADVANCED EDUCATION NOW!

MORTGAGE PRACTICES

TAKE YOUR FIRST CLASS
DESIGNED FOR

LOAN ORIGINATORS

LEARN MORE
Professional Development for

Mortgage Originators

LEARN MORE
GET THE JOB DONE NOW!

Processing Fundamentals

VIEW COURSE
logo-top-1

NMLS LICENSING COURSES

View More
logo-top-2

MORTGAGE ORIGINATION COURSES

View More
favicon

ALL COURSES

View More

Popular Courses

Latest News

Our Latest Posts!

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...

Read More
Debra Killian
October 28, 2020

Are Customers “Cleaning” Their Money In Your Transaction?

Money laundering is a huge problem for financial institutions and monitoring compliance and reporting is a challenge.  As I read through FinCEN’s recent announcement, it became clear…the law is not really clear!  Because real estate transactions are large in dollars, they are one of the easiest places to “clean...

Read More
Debra Killian
October 13, 2021

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...

Read More
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...

Read More
Debra Killian
December 20, 2022

Employee or Independent Contractor Classification Under the Fair Labor Standards Act

On October 13, 2022 the Federal Department of Labor published findings in Vol. 87, No. 197 of the Federal Register. The W-2/1099 controversary hits many businesses.  As stated in previous posts, there is no special 1099 consideration for mortgage loan originators.   Regardless of which state you work in or...

Read More
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...

Read More
Don DeRespinis
January 19, 2026

Not All 20-Hour SAFE Act Courses Are the Same

Passing the exam is required. Competency is expected. Every NMLS-approved 20-Hour SAFE Act course technically checks the same regulatory box. That does not mean they prepare you equally for the realities of mortgage lending. Most courses are built to help you pass a test. Ours is built to help...

Read More
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...

Read More
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...

Read More
Debra Killian
September 6, 2019

Become a Certified Credit Specialist (CCS)!

Think you know credit? Learn a NEW WAY to educate consumers about credit reports while earning a professional designation! Monday, September 16th – 11:00 am – 5:00 pm (Emperor’s Ballroom 2) – $149 Members; $279 Non-Members Why get certified? Most originators have never had real professional development, education or...

Read More

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.