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First Name* Last Name* Email* Additional information Order notes (optional) Your order Product Subtotal Consumer Protection and Other Federal Laws × 1 $49.00 Equal Credit Opportunity Act × 1 $49.00 Truth in Lending Recsissions × 1 $99.00 TILA and RESPA Compliance* × 1 $49.00 Subtotal $246.00 Total $246.00 Use Any Credit Card Pay with your credit card directly Use a new payment method Credit or debit card Save payment information to my account for future purchases. PayPal Pay via PayPal. PayPal What is PayPal? Pay via PayPal; you can pay with your credit card if you don’t have a PayPal account. Since your browser does not support JavaScript, or it is disabled, please ensure you click the Update Totals button before placing your order. You may be charged more than the amount stated above if you fail to do so. Update totals Your personal data will be used to process your order, support your experience throughout this website, and for other purposes described in our Privacy policy. Your personal data will be used to support your experience throughout this website, to manage access to your account, and for other purposes described in our Privacy Policy. Mortgage Insights What It Takes to Pass the NMLS Test! If you are thinking of getting a Mortgage Loan Originator State License, you should know the NMLS pass rate for first-time test-takers is in the mid-50s. To clarify, that means roughly half of everyone sitting for the first time fails! Continue Reading Mortgage Insights California's AB 3108: New Felony Charges for Mortgage Brokers When a Borrower Doesn't Qualify for Conventional Financing—Think Twice Before Defaulting to Non-QM! It’s tempting to label a loan as investment purpose when a borrower doesn’t meet conventional guidelines—even when they plan to occupy the home as a primary residence. Well, that Continue Reading Mortgage Insights Mortgage Training Doesn’t Have to Be Overwhelming or Expensive—Here’s a Better Way! Looking for a smarter, more affordable way to learn the mortgage business? Starting a career as a mortgage loan originator (MLO) comes with a steep learning curve. You need to understand loan products, guidelines, compliance rules, and how to build relationships Continue Reading AML, Compliance, Originators Introducing CLOES.online - Loan Originator Training Membership Subscription Check out our new membership subscription option for any loan originator who is ready to learn how to earn more money and become a mortgage expert in under a year. This material will set up a mortgage originator for life. This plan Continue Reading Mortgage Insights NAR's Home Finance Resource Certification presented by Deb Killian NAR's Home Finance Resource Certification presented by Deb Killian Watch video: Continue Reading Mortgage Competencies, Mortgage Education, Mortgage Insights, NMLS Licensing Education, Originators What New Mortgage Loan Originators Need to Know That Nobody Ever Tells You The mortgage origination field can seem quite appealing, offering the potential for high earnings, autonomy, and the satisfaction of assisting others with their home financing. However, this allure often leads to unrealistic expectations and, ultimately, disillusionment and failure. True success in Continue Reading Compliance, Mortgage Broker Business, Mortgage Competencies, Mortgage Employment, Mortgage Insights, Mortgage Lender, NMLS Licensing Education, Originators When Starting a Mortgage Broker Business...Hope is Not a Strategy! I have been receiving many inquiries about what it takes to start a mortgage broker business and how to get started. I recently spoke to a gentleman who thought he wanted to start his own business, but after our lengthy Continue Reading Mortgage Competencies, Mortgage Education, Mortgage Insights, Originators, Real Estate, Real Estate Continuing Education The Top 10 Reasons to Teach Real Estate Continuing Education! For the past 20 years, I have been teaching real estate classes. Initially, I began teaching as a way to build and maintain professional relationships and gain referrals. Unlike sponsoring open houses or arranging casual coffee meet-ups, I found that Continue Reading AML, Mortgage Competencies, Mortgage Education, Mortgage Employment, New Mortgage Program, NMLS Licensing Education, Originators MLO Licensing to Mastery - Your 1st Year The definition of insanity: doing the same things over and over and expecting different results. Welcome to the mortgage business! Mortgage company owners and recruiters often entice new Mortgage Loan Originators (MLOs) into the industry with the allure of minimal entry Continue Reading Mortgage Insights DOL Closes the Door on Mortgage Originators Paid as Independent Contractors In the fast-paced world of mortgage lending, a crucial yet often overlooked issue is always lurking between companies and those mortgage loan originators they employ; the misclassification of mortgage loan originators. Often labeled as independent contractors, many of these financial professionals Continue Reading Mortgage Insights Under 20 Employees? Your Business May Be Subject to New Beneficial Ownership Interest (BOI) Rules! I usually write about mortgage or real estate professionals, but since I teach Anti-Money Laundering classes, I thought it would be helpful for all small businesses to know what’s coming. On September 18, 2023 the Financial Crimes Enforcement Network (FinCEN) published Continue Reading Banks, Compliance, Credit Unions, Mortgage Broker Business, Mortgage Education, Mortgage Insights, Originators, Real Estate Agents, Real Estate Brokers CFPB Issues Fines for Favors: Mortgage and Real Estate Firms Handed $1.95M Penalty for RESPA Violations In a startling turn of events, two major players in the mortgage and real estate industry have been dealt a hefty blow with fines totaling a staggering $1.95 million. The penalties come as a result of their failure to comply Continue Reading Mortgage Education, Mortgage Employment, New Mortgage Program, NMLS Licensing Education, Originators, Originators, Processors, Underwriters "Accelerate Your Success with Our Exclusive 20-Hour Pre-Licensing Education Program: Unbeatable Value at Just $299!" Ready to embark on a rewarding career as a mortgage loan originator? Look no further! We're thrilled to announce our latest offering: the comprehensive 20-Hour Safe Pre-Licensing Education Program Our newest course was written by and taught by veteran mortgage loan Continue Reading Certification, Learning Management, Live Events, Mortgage Education, Mortgage Insights, New Mortgage Program, Originators 7 Hours in Front of 125 Real Estate Agents! Loan Originators Pay Attention! Now Is The Time...Learn to Teach Real Estate Continuing Education! In the last 3 weeks, I spent 7 hours in front of 125 real estate agents! A captive audience. Curious how I got there? If you've read this far, this is not a brag post. It's an opportunity for you Continue Reading Mortgage Insights 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 Continue Reading Compliance, Mortgage Broker Business, Mortgage Competencies, Mortgage Education, Mortgage Employment, Mortgage Insights, Mortgage Lender, Mortgage Recruiters, Originators, Originators, Processors, Underwriters Employee or Independent Contractor Classification Under the Fair Labor Standards Act On October 13, 2022 the Federal Department of Labor published findings in Vol. 87, No. 197 of the Federal Register. The W-2/1099 controversary hits many businesses. As stated in previous posts, there is no special 1099 consideration for mortgage loan originators. Regardless Continue Reading AML, Compliance, Real Estate Agents, Real Estate Brokers, Real Estate CE Is Anti-Money Laundering (AML) Mandatory Compliance Coming for Realtors? Do you know how money is actually laundered through real estate transactions? Do you know your Anti-Money Laundering (AML) Training Requirements? Between 2015 and 2020, at least $2.3 billion was laundered through US real estate, with estimates by Washington, D.C. think Continue Reading Banks, Compliance, Credit Unions, Mortgage Broker Business, Mortgage Competencies, Mortgage Education, Mortgage Insights, Mortgage Lender, New Mortgage Program, Originators, Originators, Processors, Underwriters UDAAP-ECOA-TILA Are You Ready for Examiners? The overlap between federal and state laws and regulations becomes very apparent once there is an examination and/or an enforcement action. With COVID dominating our work environment over the past two years, not many audits or exams were scheduled by state Continue Reading Learning Management, Mortgage Broker Business, Mortgage Competencies, Mortgage Education, Mortgage Insights, Originators, Originators, Processors, Underwriters, Processing Changes to the Appraisal Form and Data Coming! With the new URLA behind us...along comes the next major change in residential lending. Fannie Mae and Freddie Mac (aka the GSEs) have provided an update on the new URAR. Yes, the Uniform Residential Appraisal Report is undergoing some major changes. Here Continue Reading Compliance, Mortgage Broker Business, Mortgage Competencies, Mortgage Education, Mortgage Employment, Mortgage Insights, Mortgage Lender, Mortgage Recruiters, NMLS Licensing Education, Originators, Originators, Processors, Underwriters The Feds Beef Up Employment Enforcement on Independent Contractors With rates going up, refinance volume quickly heading south and originators looking for the next shiny thing, we are bound to see movement in the industry. That means mergers, buyouts and some companies closing. Migrating originators can be a tricky Continue Reading Mortgage Insights Fannie Mae COVID Guideline Change With the pandemic pointing toward endemic, it's a relief that the GSEs are starting to look at removing some of the COVID-related guidelines. Self-employed borrowers may find it a bit easier to qualify for a mortgage now...,just in time as rates Continue Reading AML, Banks, Compliance, Credit Unions, Mortgage Education, Mortgage Insights Mortgage Company Compliance Requirements for AML Training How does a mortgage company meet the statutory requirement for Anti-Money Laundering education? The question comes up because many companies do not comply with the annual education requirement for all employees. In our opinion the law and regulations on AML training Continue Reading Mortgage Insights, Image 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 Continue Reading Banks, Compliance, Credit Unions, Mortgage Insights, Processing 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 Continue Reading Mortgage Insights Real Estate Update May 2021 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 Continue Reading Mortgage Insights Real Estate Update March 2021 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 Continue Reading Mortgage Insights Redesigned URLA Video - How to Use the 2021 Loan Application Ahhh...another industry change while volume is at an all time high! Just what we need in 2021! We started talking about the new URLA in 2018; and then it changed...and then it changed again. Finally! After several years of the Continue Reading Banks, Credit Unions, Mortgage Education, Mortgage Employment, Mortgage Insights, Mortgage Recruiters, Originators, Processors, Underwriters Happy Thanksgiving! - 2021 Loan Limits Released! You wouldn't know we were in the middle of a pandemic based on the housing market. That conforming limit keeps creeping up. It all seems crazy from when I started in the mortgage business in 1994, the conforming loan limit was Continue Reading AML, Banks, Mortgage Competencies, Mortgage Education, Mortgage Insights Are Customers "Cleaning" Their Money In Your Transaction? Money laundering is a huge problem for financial institutions and monitoring compliance and reporting is a challenge. As I read through FinCEN's recent announcement, it became clear...the law is not really clear! Because real estate transactions are large in dollars, Continue Reading Mortgage Insights Real Estate Update December 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 Continue Reading I have read and agree to the website Terms and conditions * Place order
