Debra Killian, a Western Connecticut State University graduate with a B.B.A. in Accounting, boasts over 45 years of experience in financial services, mortgage banking, accounting, and educational training, particularly in real estate finance. She has successfully managed over $1 billion in residential real estate transactions, aiding thousands of clients. Following the SAFE Act's enactment in 2009, Debra co-authored a federally mandated, NMLS-approved 20-hour pre-licensing course tailored for state-licensed mortgage originators. She has developed a wide array of courses covering compliance, mortgage practices, and real estate operations, with a strong focus on real estate finance. Debra is renowned in the national education marketplace as a passionate trainer, specializing in educating mortgage originators and real estate agents. Her courses are not only informed by her extensive experience as a veteran originator but are also uniquely tailored to meet the practical and financial intricacies of the real estate industry. In 2018, Debra Killian founded CLOES.online, an online education platform specializing in the real estate industry. The platform offers a range of video-recorded courses, alongside live webinars and in-person classes that Debra herself teaches. As a NAR-approved instructor, she also contributes to the Home Finance Resource Certification (HFR), enhancing her role as a key educational figure in real estate finance.