Cloudvirga | Features
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Cloudvirga POS Features

The Cloudvirga POS product line includes two solutions so you can do what is right for your business today, without limiting your tomorrow.

Features for consumers - a simplified mortgage experience
Consumer POS
Enterprise POS

Shop for real time rates, direct-from-source closing costs and product eligibility for conventional, FHA, VA fixed and ARM loan types

Shop for real time rates, direct-from-source closing costs and product eligibility for conventional, FHA, VA fixed and ARM loan types

Shop for real time rates, direct-from-source closing costs and product eligibility for conventional, FHA, VA fixed and ARM loan types

Instant loan comparison report with all pricing, fees, and terms sent to their email

Instant loan comparison report with all pricing, fees, and terms sent to their email

Instant loan comparison report with all pricing, fees, and terms sent to their email

Automated APR and loan (fixed vs ARM) calculations at the product and term level

Automated APR and loan (fixed vs ARM) calculations at the product and term level

Automated APR and loan (fixed vs ARM) calculations at the product and term level

Optimized, directed workflow for consumer

Optimized, directed workflow for consumer

Optimized, directed workflow for consumer

Run credit

Run credit

Run credit

Electronically verify bank accounts

Electronically verify bank accounts

Electronically verify bank accounts

Intuitive needs list based on lender guidelines and consumer responses

Intuitive needs list based on lender guidelines and consumer responses

Intuitive needs list based on lender guidelines and consumer responses

Upload documents or take a picture from any device

Upload documents or take a picture from any device

Upload documents or take a picture from any device

E-consent and create account

E-consent and create account

E-consent and create account

24/7 access to status and tasks needed by the lender

24/7 access to status and tasks needed by the lender

24/7 access to status and tasks needed by the lender

Configure colors, verbiage, add icons and personalize

Configure colors, verbiage, add icons and personalize

Configure colors, verbiage, add icons and personalize

Consumer dashboard and document vault for life

Consumer dashboard and document vault for life

Consumer dashboard and document vault for life

Self-start multiple loans concurrently - self-start multiple loan transactions concurrently and are linked together

Self-start multiple loans concurrently - self-start multiple loan transactions concurrently and are linked together

Self-start multiple loans concurrently - self-start multiple loan transactions concurrently and are linked together

Order appraisals online

Order appraisals online

Order appraisals online

eSign capabilities

eSign capabilities

eSign capabilities

Read the ROI Whitepaper       |       Get A Demo       |       Contact Us

Features for loan officers - close loans faster
Consumer POS
Enterprise POS

Accurate APR, front/back end ratios, MI, terms, and cash to close calculations for conventional and government loan products

Accurate APR, front/back end ratios, MI, terms, and cash to close calculations for conventional and government loan products

Accurate APR, front/back end ratios, MI, terms, and cash to close calculations for conventional and government loan products

Intelligent and user-friendly loan application with automatically generated dynamic needs list that can be shared and updated with consumer in real-time

Intelligent and user-friendly loan application with automatically generated dynamic needs list that can be shared and updated with consumer in real-time

Intelligent and user-friendly loan application with automatically generated dynamic needs list that can be shared and updated with consumer in real-time

Tools for LO to structure the loan deal and terms

Tools for LO to structure the loan deal and terms

Tools for LO to structure the loan deal and terms

Instant credit pull, along with ability to reissue credit and remove borrowers

Instant credit pull, along with ability to reissue credit and remove borrowers

Instant credit pull, along with ability to reissue credit and remove borrowers

Detailed LO dashboard with real-time rates, fees, amortization schedule and analysis

Detailed LO dashboard with real-time rates, fees, amortization schedule and analysis

Detailed LO dashboard with real-time rates, fees, amortization schedule and analysis

Optimized, directed workflow for LO to make sure the correct questions are asked

Optimized, directed workflow for LO to make sure the correct questions are asked

Optimized, directed workflow for LO to make sure the correct questions are asked

Engage with consumer to securely upload needed documents, finish application, and other tasks on any device

Engage with consumer to securely upload needed documents, finish application, and other tasks on any device

Engage with consumer to securely upload needed documents, finish application, and other tasks on any device

Accurate appraisal fees down to the product, loan amount and state level

Accurate appraisal fees down to the product, loan amount and state level

Accurate appraisal fees down to the product, loan amount and state level

Lead management and CRM integrations with populated data

Lead management and CRM integrations with populated data

Lead management and CRM integrations with populated data

Generate pre-qual and pre-approval letters

Generate pre-qual and pre-approval letters

Generate pre-qual and pre-approval letters

Editable closing costs itemization and transactional summary for post-TRID compliance

Editable closing costs itemization and transactional summary for post-TRID compliance

Editable closing costs itemization and transactional summary for post-TRID compliance

Support all workflows including those for consumers who do not want to transact online

Support all workflows including those for consumers who do not want to transact online

Support all workflows including those for consumers who do not want to transact online

Support up to 8 borrowers on a single loan all the way through disclosures (for each borrower pair)

Support up to 8 borrowers on a single loan all the way through disclosures (for each borrower pair)

Support up to 8 borrowers on a single loan all the way through disclosures (for each borrower pair)

Proprietary VA/FHA/USDA qualification engine

Proprietary VA/FHA/USDA qualification engine

Proprietary VA/FHA/USDA qualification engine

Retrieve updated bank information (30-, 60-, 90-day) direct from source once consumer has e-verified

Retrieve updated bank information (30-, 60-, 90-day) direct from source once consumer has e-verified

Retrieve updated bank information (30-, 60-, 90-day) direct from source once consumer has e-verified

Generate fully compliant state-specific and federal disclosures for FHA, VA, conventional, and USDA loans with accurate calculations, nationwide

Generate fully compliant state-specific and federal disclosures for FHA, VA, conventional, and USDA loans with accurate calculations, nationwide

Generate fully compliant state-specific and federal disclosures for FHA, VA, conventional, and USDA loans with accurate calculations, nationwide

DU/LP integration

DU/LP integration

DU/LP integration

Request lock, concession, and generate locked disclosures instantly

Request lock, concession, and generate locked disclosures instantly

Request lock, concession, and generate locked disclosures instantly

Obtain intent to proceed immediately

Obtain intent to proceed immediately

Obtain intent to proceed immediately

MyAgent Mobile App for the real estate agents to track real-time status, upload documents, share prospects and pre-approval letters

MyAgent Mobile App for the real estate agents to track real-time status, upload documents, share prospects and pre-approval letters

MyAgent Mobile App for the real estate agents to track real-time status, upload documents, share prospects and pre-approval letters

Appraisal center with ability to modify, update, and order appraisals direct from AMC's

Appraisal center with ability to modify, update, and order appraisals direct from AMC's

Appraisal center with ability to modify, update, and order appraisals direct from AMC's

Loan officer DNA built into the system throughout

Loan officer DNA built into the system throughout

Loan officer DNA built into the system throughout

Read the ROI Whitepaper       |       Get A Demo       |       Contact Us

Features for lenders - cutting costs and staying compliant
Consumer POS
Enterprise POS

Proprietary investor matrix with expanded product and guideline eligibility

Proprietary investor matrix with expanded product and guideline eligibility

Proprietary investor matrix with expanded product and guideline eligibility

Support workflows and calculations for majority of loan products (FHA, conventional, VA, USDA loans) through disclosures

Support workflows and calculations for majority of loan products (FHA, conventional, VA, USDA loans) through disclosures

Support workflows and calculations for majority of loan products (FHA, conventional, VA, USDA loans) through disclosures

Built in compliance checks prior to disclosing (high cost, Section 32, etc.)

Built in compliance checks prior to disclosing (high cost, Section 32, etc.)

Built in compliance checks prior to disclosing (high cost, Section 32, etc.)

Real-time audit log to track track every detail of the loan process including date/time stamp when applicable

Real-time audit log to track track every detail of the loan process including date/time stamp when applicable

Real-time audit log to track track every detail of the loan process including date/time stamp when applicable

Real-time access to county-level escrow, title, transfer tax, endorsement and recording fees nationwide

Real-time access to county-level escrow, title, transfer tax, endorsement and recording fees nationwide

Real-time access to county-level escrow, title, transfer tax, endorsement and recording fees nationwide

Data verified against original sources for increased loan quality

Data verified against original sources for increased loan quality

Data verified against original sources for increased loan quality

Document vault for all lender and consumer documents

Document vault for all lender and consumer documents

Document vault for all lender and consumer documents

Document provider integrations

Document provider integrations

Document provider integrations

FeeGuard to protect against guideline/fee restrictions down to the loan product level

FeeGuard to protect against guideline/fee restrictions down to the loan product level

FeeGuard to protect against guideline/fee restrictions down to the loan product level

Automated and compliant workflow for print and ship with Mail Room for mailing dislcosures when required

Automated and compliant workflow for print and ship with Mail Room for mailing dislcosures when required

Automated and compliant workflow for print and ship with Mail Room for mailing dislcosures when required

Back-office tasks completed at the POS

Back-office tasks completed at the POS

Back-office tasks completed at the POS

Calculate and generate Net Tangible Benefit (NTB) form based on state requirements

Calculate and generate Net Tangible Benefit (NTB) form based on state requirements

Calculate and generate Net Tangible Benefit (NTB) form based on state requirements

Mortgage lender DNA built into the system throughout

Mortgage lender DNA built into the system throughout

Mortgage lender DNA built into the system throughout

Read the ROI Whitepaper       |       Get A Demo       |       Contact Us