Debra Killian
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.
- $49
HMDA Fair Lending and ECOA Compliance
0 Lessons0 Students - $99
Anti-Money Laundering Education Program
2 Lessons0 Students - $329
21 Hour CONNECTICUT SAFE NMLS PE ID#7366 Includes CT 1 hour NMLS ID#11080 Mortgage Loan Originator
3 Lessons0 Students - $359
22 Hour FLORIDA SAFE NMLS PE ID#7366 Includes FL 2 hour NMLS ID#11185 Mortgage Loan Originator
3 Lessons0 Students LO Compensation Rule Compliance
0 Lessons0 StudentsTILA and RESPA Compliance*
0 Lessons0 Students- $49
Compliance Management, Oversight and Reporting for Mortgage Companies*
1 Lesson0 Students - $49
Appraisal Independence Rules and Valuations*
1 Lesson0 Students Required Mortgage Compliance Program*
8 Lessons0 StudentsMortgage Licensing and the SAFE ACT*
1 Lesson0 Students- $49
Ethical Practices in the World of Mortgages*
1 Lesson0 Students - $49
Ethics and Fraud 2024*
0 Lessons0 Students - $1,341$997
Your First Year in Mortgages – From Licensing to Mastery
0 Lessons0 Students - $997$697
Origination Best Practices…The Key to Your Success!
18 Lessons0 Students - $329$297
20 Hour FEDERAL SAFE NMLS PE ID# 7366 Mortgage Loan Originator
23 Lessons0 Students - $49
Anti-Money Laundering Basic Training*
1 Lesson0 Students