Instructor

This course provides a comprehensive overview of the Loan Officer Compensation (LO Comp) Rule, a crucial regulation governing the mortgage lending industry. The Federal Reserve announced final rules related to loan originator compensation practices on August 16, 2010.  It was then enacted as part of the Dodd-Frank Wall Street Reform and Consumer Protection Act and enforced by the Consumer Financial Protection Bureau (CFPB).  The LO Comp Rule aims to protect consumers, promote transparency, and ensure...

This is a one-on-one session with Debra Killian at a time to be mutually scheduled. You may use this time for anything mortgage or real estate related. Please have any documents you may have questions about available prior to the session, so we can use your time efficiently. Contact Deb Killian at deb@cloes.online or call 866-256-3766 to schedule your session. Click on MORE INFO to purchase course.

This session permits time for calculating income, pricing, or restructuring files. Please email your session scenario or questions within 24 hours of the meeting time. We prefer a video call unless you prefer a telephone call. Please let us know if you plan to record your session. To review 1003s/credit reports, please email a Credit Authorization signed by borrower(s). This session is delivered via video call. PLEASE NOTE:  Mortgage lending is complex.  Not all lenders...

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...

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...

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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...

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...

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...

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...

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...

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.

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...

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...

"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!"

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...