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Debra Killian
May 18, 2020

CLOES.online Announces a New Product For Originators!

Recently a mortgage loan originator in another state contacted me for help.  He was stuck with an underwriter and was challenged by how to calculate the self employment income.  In that conversation he told me how helpful it would be to originators to have a “loan advisor” to consult...

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Debra Killian
October 2, 2019

Why California Passed the Law & Exempt Occupations Part 2

In the 2nd of our 4-part mini-series we discuss why the law was passed and exemptions allowing for 1099 status. 4 Part Mini- Series Dynamex Operations West Inc, v CA Superior Court decision Exempt workers from W-2 status Penalties for misclassified workers Proactive steps businesses should consider These educational...

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Debra Killian
February 5, 2019

NAMB Offers Mortgage Professional Practices Course!

Charter Oak Systems, LLC and CLOES.online is pleased to announce the National Association of Mortgage Brokers (NAMB) now offers a new Online, On Demand Video-Recorded course, Mortgage Professional Practices. NAMB is committed to continuing to build a robust, education platform to support the professionalism of all mortgage originators. Most...

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Debra Killian
June 1, 2020

Fannie Requiring Business Accounts for Self-Employed!

My analogy to guidelines these days is they are like trying to hold jello in the palm of your hand.  Squishy, slippery, moving; slipping through your fingers! Patience is a virtue!  We need to understand that underwriters spend MUCH more time determining the amount of income that can be...

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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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Don DeRespinis
September 4, 2018

On demand NMLS PE 20 hour Video Lecture

Do you have originators that need the 20-hour, NMLS Pre-Licensing Education (PE)? What if your MLOS could watch 20 episodes of video-recorded approved courses on demand? Now they can! Register at Cloes.online today to get your company approved for our program. You will receive an email with your company...

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Don DeRespinis
September 5, 2024

NAR’s Home Finance Resource Certification presented by Deb Killian

NAR’s Home Finance Resource Certification presented by Deb Killian Watch video:   

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Debra Killian
April 20, 2020

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...

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Debra Killian
February 14, 2022

The Feds Beef Up Employment Enforcement on Independent Contractors

With rates going up, refinance volume quickly heading south and originators looking for the next shiny thing, we are bound to see movement in the industry.  That means mergers, buyouts and some companies closing.  Migrating originators can be a tricky challenge for the next employer.  There are two issues...

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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.