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Debra Killian
October 10, 2019

1099 vs. W-2: How Employers Get Caught! Take Action Now!

In the final episode of our 4-part series (Dynamex vs. Superior Court CA), we discuss how employers are reported and steps to consider if the potential for misclassification is present. Routine state or IRS company audits may also trigger an investigation. 4 Part Mini- Series Dynamex Operations West Inc,...

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Debra Killian
March 23, 2020

Underwriting, Appraisals and E-signature Guidance Issued by Fannie Mae Today!

Fannie Mae issued guidance today in their Lender Letters 2020-03 and 2020-04. We have reviewed the information and produced a video of highlights for you. We do not provide legal or investor advice. As with all transactions, please consult with your investor’s guidelines, compliance departments and underwriting standards and...

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Debra Killian
April 24, 2026

Navigating NMLS Licensing: A Step-by-Step Success Guide

The journey to becoming a licensed mortgage professional often feels like navigating a complex maze of regulatory requirements and tight deadlines. At CLOES.online, we believe that understanding the sequence of the Nationwide Multistate Licensing System (NMLS) is the first step toward building a thriving career. We are dedicated to...

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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
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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Don DeRespinis
April 15, 2019

Waiting Until 70 For Social Security Benefits may not make sense and here is why.

Waiting Until 70 For Social Security Benefits may not make sense and here is why.

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Debra Killian
November 2, 2020

Real Estate Update November 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
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
March 26, 2020

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...

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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.