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Popular Courses

Required Mortgage Compliance Program Read More
Debra Killian

Required Mortgage Compliance Program

Debra Killian
0
student
$199
Anti-Money Laundering Education Program Read More
Debra Killian

Anti-Money Laundering Education Program

Debra Killian
50
students
$99
Mortgage Origination Practices Read More
Debra Killian

Mortgage Origination Practices

Debra Killian
141
students
$697
Mortgage Processing Fundamentals Read More
Debra Killian

Mortgage Processing Fundamentals

Debra Killian
0
student
$497
Mastering Mortgage Math Read More
Debra Killian

Mastering Mortgage Math

Debra Killian
25
students
$247
Qualifying Borrowers Using Tax Returns Read More
Debra Killian

Qualifying Borrowers Using Tax Returns

Debra Killian
62
students
$149
Redesigned URLA – How To Use The New 1003 Read More
Debra Killian

Redesigned URLA – How To Use The New 1003

Debra Killian
0
student
$49 Free
Impact on Customers Read More
Debra Killian

Impact on Customers

Debra Killian
0
student
$149
Mortgage Professional Spotlight Read More
Debra Killian

Mortgage Professional Spotlight

Debra Killian
2
students
Free
21 Hour Connecticut SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator Read More
Debra Killian

21 Hour Connecticut SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator

Debra Killian
15
students
$349
Mortgage Origination Fundamentals Read More
Debra Killian

Mortgage Origination Fundamentals

Debra Killian
37
students
$349
20 Hour FEDERAL SAFE NMLS PE ID#7366 Mortgage Loan Originator Read More
Debra Killian

20 Hour FEDERAL SAFE NMLS PE ID#7366 Mortgage Loan Originator

Debra Killian
220
students
$349
MLO Test Booster Read More
Debra Killian

MLO Test Booster

Debra Killian
1
student
$397
Mortgage Professional Consultation – Free Trial Read More
Debra Killian

Mortgage Professional Consultation – Free Trial

Debra Killian
0
student
Free
Mortgage Professional Consultation – 1/4 Hour Read More
Debra Killian

Mortgage Professional Consultation – 1/4 Hour

Debra Killian
0
student
$125

Latest News

Our Latest Posts!

Debra Killian
June 29, 2019

Big Changes for Depository Lenders and Real Estate Professionals May Be on the Horizon.

With low rates and refinances slowing down turn times in the middle of the summer selling season, changes may be coming that are most likely not on your radar. Depository institutions may want to begin to develop a strategy for Transitional Licensing Authority that could change the originator pool....

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Don DeRespinis
December 1, 2018

Introducing Course Schedules

Course Schedules allows students to participate in group classes at scheduled times. Many busy professionals have difficulty completing unscheduled activities because of the demands on their time. These busy professionals prefer to commit to a scheduled time activity over a period of 1 to 4 weeks. Course Schedules allows...

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Debra Killian
November 1, 2021

The Myths and Realities -1099 vs W-2 for Loan Originators!

As someone who has followed this topic for many years, with many debates, I’ve heard it all.  Just today, posts on Facebook brought it up…again!  What’s different now is a few weeks ago, I decided to get reliable information from a reliable source.  To help clear up the confusion,...

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Debra Killian
May 1, 2020

Real Estate Update Newsletter 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
August 9, 2019

GSEs Delay New 1003 Mandatory Use Date…Indefinitely!

After delaying the “optional use date”, yesterday the FHFA and GSEs announced the new 1003 mandatory use date will no longer be February 1, 2020. This should take some pressure off of lenders who were facing a deadline that was creeping up. Now, the GSEs have been directed to...

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Debra Killian
August 16, 2019

Pre-Quals and TRID…What is a “Property Address?”

Purchase business is the lifeblood of many originators. With affordable homes in low supply, multiple offers on multiple properties is a way of life, especially in the first-time home-buyer segment. And, every real estate agent wants a “pre” something! A Friday in August, and I can’t get this topic...

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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...

Read More
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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Don DeRespinis
February 5, 2020

CLOES online Featured on National Association Web Site

CLOES.online is pleased to be featured on the National Association of Mortgage Brokers, NAMB, Web site https://namb.org/page/Nambfoundation. CLOES.online supports the association’s efforts to bring more education and professionalism into the Mortgage Industry. They do this through quality education and certification programs. NAMB provides its member with discounts to our...

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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.