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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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Don DeRespinis
May 4, 2018

Mortgage Origination Career Opportunity Video

Find out about the opportunities as a State Licensed Mortgage Loan Originator. How to get a license. How much can you make. Who do you work for. Watch this Video Presentation. http://learn.cloes.online/organization/1/view/17997-tecxs-fxrwM-Wmp1W  

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Debra Killian
September 3, 2019

NMLS Resources – Temporary Authority (TA) to Originate

November 24, 2019 is the effective date for Temporary Authority, and it’s right around the corner. Transitional Licensing was passed as part of S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act and provides 120-day temporary authority to operate as a state-licensed mortgage loan originator for individuals...

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Debra Killian
September 30, 2019

The California Case of 1099 vs. W-2!

Recently California Governor Gavin Newsom signed into law rules for classifying workers. It started out with Uber, Lyft and other independent operators. It may affect your mortgage business. The law takes effect January 1, 2020. This 4-part mini-series streaming this week is comprised of 5-10 minutes videos highlights key...

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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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Don DeRespinis
March 26, 2019

Introducing Mortgage Professional News

Introducing Mortgage Professional News a streaming information service that delivers timely information directly to your inbox. Content is from three major sources: Articles and discussion on recent Mortgage Professional topics Live Webinars, New Courses, Presentations, Videos on Mortgage Education Major Notices for Mortgage Professionals Keep up to date on...

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Debra Killian
January 15, 2020

Employment Law Update: It’s Way More Than 1099 v W-2!

If you missed my last post, it now includes “worker misclassification.” There are a lot of people with a lot of opinions. That may be all they are, opinions of mortgage business owners and employees all over social media. Need I remind everyone, regulators LOVE social media posts! Employment...

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Debra Killian
November 19, 2018

Did the CFPB Mandate Education for Bank Originators?

Did the game just change?   For the sake of full disclosure, I am an originator, course developer and trainer. I think you may want to read the recently released guidance. This is not a secret. Consumers do not know the differences between “individual originators,” registered or licensed or brokers, lenders or banks....

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Debra Killian
February 26, 2020

When You Know 1,000 Mortgage Concepts…Tech Can’t Compete!

In December, 2019 McKinsey & Company’s article “Competing on Customer Experiences in US Mortgage,” they sited reassurance, transparency, simplicity, and speed as the four dimensions of a mortgage experience.  The #1 priority; GETTING THINGS RIGHT, THE FIRST TIME!  Speed and simple processes are up there, but what do you have to...

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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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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.