Back
Cover image
User Avatar

Debra Killian

9 Students
74 Courses

Debra Killian, a seasoned Mortgage Loan Originator, Course Developer, and Instructor combines her extensive 35-year background in residential mortgages, real estate, banking, and accounting to excel in the mortgage industry. An alumnus of Western Connecticut State University with a B.B.A. in Accounting,

Debra has been a transformative figure in residential mortgages since 1994, overseeing and managing over $1 billion in real estate loans. Her unique educational and professional journey has positioned her as a dynamic and effective trainer in the mortgage and real estate sectors, offering tailored courses that use mortgage competencies in building long-term relationships with customers and real estate professionals.

A trailblazer in mortgage education, Debra co-authored pivotal NMLS-approved courses, including the 20-hour Pre-licensing SAFE Act course in 2010 and The Mortgage Professional for the same curriculum in 2011. Her contributions continued with co-authoring the MBA's School of Loan Origination and mortgage and real estate continuing education classes.
Debra relentlessly pursues the latest industry trends and regulatory changes, ensuring her courses, both new and existing, are continuously updated and aligned with current standards and practices.

Debra's leadership extends beyond her immediate professional sphere, evidenced by her past roles in the CT Mortgage Bankers Association, the National Association of Mortgage Professionals (NAMB) and various real estate associations.

A sought-after speaker, Debra lends her expertise to various professional groups and is dedicated to developing and delivering custom courses, reflecting her passion for education and industry advancement.

She and her husband Donald DeRespinis, own Charter Oak Systems, LLC which operates Cloes.online, and online education provider for pre-licensing courses required by the Secure and Fair Enforcement ACT (SAFE) Her passion is providing mortgage loan originators competency based training and professional development courses to all elevate mortgage loan originators. In addition to NMLS required courses, Debra and Don provide an array of compliance training to help companies comply with federal and state laws.

    MLO License Exam Preparation Course

    Master the NMLS National Exam with Our 400-Question Test Bank! Get the practice you need to pass the NMLS National Exam with confidence! Our comprehensive 400-question test bank is designed to reinforce key concepts, identify knowledge gaps, and simulate the real exam experience. ✅ 400 expertly crafted questions covering essential exam topics✅ Realistic practice tests to build confidence and improve performance✅ Instant feedback to track progress and strengthen weak areas Whether you’re preparing for your...

    Anti Money Laundering 2025 Update

    This course meets the requirements for Anti-Money Laundering training under the Bank Secrecy Act. This is a new 2025 AML training update. The U.S. government has been strengthening AML regulations for real estate transactions. Key requirements include: Reporting large cash transactions. Identifying beneficial owners of entities purchasing real estate. Conducting due diligence on buyers, especially foreign investors. New regulations will expand oversight of high-value cash purchases, targeting money laundering risks in real estate. For additional...

    First Year Originator Training Single Payment Plan

    This accelerated plan is designed to get you started so that you can complete the program in 6 months by paying upfront: The Plan includes the following courses: Origination Best Practices (Over 20 Sessions on becoming the best originator) – available at 4 sessions per month Molecular Marketing (Available after 5 months) Required Mortgage Compliance Courses: Cyber Security (Available after 5 months) Anti-Money Laundering (Available after 5 months) Additional live webinars and content only for...

    0
    348
    $897$697 one time payment

    First Year Originator Training Subscription Plan

    This plan is designed to get you started at the lowest price and pay over a 12 month period, but you can still cancel at any time. The Plan includes the following courses: Origination Best Practices (Over 20 Sessions on becoming the best originator) – available at 4 sessions per month Molecular Marketing (Available after 6 months) Required Mortgage Compliance Courses: Cyber Security (Available after 8 months) Anti-Money Laundering (Available after 10 months) Additional live...

    0
    25
    $89$67 per month. Cancel anytime.

    Origination Best Practices…The Key to Your Success!

    This course is tailored to cater to a wide spectrum of professionals in the mortgage industry, ranging from those just starting their careers to seasoned experts seeking to enhance their skills and knowledge. For newcomers, it offers a foundational education in the essential skills and concepts required for successful mortgage loan origination. For veterans in the field, the course presents a fresh take on familiar topics or introduces entirely new concepts, providing valuable insights for...

    18
    45
    $997$697

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

    This course is designed for individuals obtaining a state license as a Mortgage Loan Originator (MLO). It meets the requirements of all 50 States for the 20 Hour Pre-licensing Education mandated by the S.A.F.E. Act.  It is NMLS Approved Course ID #7366. The Course objective is to provide the SAFE Act NMLS Education Content in preparation for the National Exam.  There is no longer any individual State exam. MLO provides a detailed analysis of the...

    23
    350
    $329$297

    Your First Year in Mortgages – From Licensing to Mastery

    In the dynamic world of mortgage lending, the journey to becoming a successful Mortgage Loan Originator (MLO) starts with a solid foundation. “Your First Year in Mortgages – From Licensing to Mastery” is designed for those embarking on their first year in the mortgage industry, focusing on both the essentials of obtaining a license and the skills necessary for long-term success. Our comprehensive program begins with guiding new MLOs through the licensing process by assisting...

    0
    0
    $1,341$997

    New York State Human Rights and The Fair Housing Act*

    This course covers the required content to meet the New York State Banking Department education requirement under 42 U.S.C. section 3005 for Human Rights and Fair Housing. Press the “MORE INFO” button for purchasing details.

    New York State Required Mortgage Compliance Program*

    Mortgage Brokers in New York State are now being asked to prove having met specific education requirements. This program includes the minimum requirements for: BSA/Anti-Money Laundering Cybersecurity and Red Flags Truth-In-Lending Act (“TILA”) Real Estate Settlement Procedures Act (“RESPA”) Human Rights and the Fair Housing Act Home Mortgage Disclosure Act (HMDA) Equal Credit Opportunity Act (“ECOA”) (15 U.S.C. section 1691) Compliance Management, Oversight and Reporting Ethical Business Practice This course was created to meet the...

    0
    44
    $349

    Register for Live Webinars!

    Cloes.online offers updated, industry-leading content based on over 30 years of experience, crafted by a seasoned 30-year veteran and NMLS licensed MLO/broker owner. Register now to receive updates on upcoming classes, webinars, and exclusive events.  It’s completely free to join, with no risk and plenty to gain! Plus, your registration unlocks access to expert support when you purchase any of our courses. By registering you will receive a FREE comprehensive “Document Request” form that was developed...

    INSTRUCT: Loan Originators – Teach Real Estate CE*

    "Join our expert-led course to unlock your potential and boost your career by teaching real estate continuing education.. Benefit from interactive webinars, comprehensive materials, and one-on-one guidance from your instructor. Register now for a transformative learning experience!"

    23
    12
    $997

    Anti-Money Laundering 2024 Update*

    This course provides individuals and mortgage lenders the required education which fulfills their responsibilities to actively manage an Anti-Money Laundering (AML) Program as required by the Bank Secrecy Act (BSA) and its implementing regulations and FINRA Rule 3310 (AML Compliance Program). It also provides independent completion certificate verification. This program validates that you have been trained as required by law. This program provides you, the individual licensee, with knowledge that you have met your requirement...

    2025 Mortgage Compliance Workshop*

    This workshop encompasses Anti-Money Laundering, Ethical Practices in Mortgages, Cyber Security and Privacy, and other mortgage compliance topics in a flexible format catering to diverse professional needs. Participants can custom select topics, allowing them to tailor their learning experience to their specific interests and requirements in the mortgage industry. This flexibility ensures that each professional gets the most relevant and practical knowledge applicable to their role. Program discounts may be applied for selecting more courses...

    Anti-Money Laundering Basic Training*

    This program provides individuals and mortgage lenders the required education which fulfills their responsibilities to actively manage an Anti-Money Laundering (AML) Program as required by the Bank Secrecy Act (BSA) and its implementing regulations and FINRA Rule 3310 (AML Compliance Program). It is designed and managed by a Certified Public Accountant and NMLS Approved Provider License 1405047 The education requirements of the Bank Secrecy Act is detailed out in the law. This program provides the...

    0
    147
    $49