TMN Editor | June 30, 2025 | Reading Time: 3 minutes
By KIMBERLEY HAAS
CEO Maria Moskver of Cloudvirga is thinking about how her company can help lenders create customers for life through mortgage technology.
“I think it’s being thoughtful about what the consumer needs, meeting them where they are in their life,” Moskver said during a recent interview with The Mortgage Note.
She explained that historically, a mortgage was seen as a one-time transaction for a traditional married couple. Today, the needs of homebuyers vary, and that will continue to change as society evolves.
“I think the needs of the consumer are shifting, and your traditional 30-year mortgages are not going to be as popular a product with these next generations. You’re going to see different products that appeal to them with maybe rent-to-own, or multiple parties purchasing a home unrelated,” Moskver said.
Technology will only help when it comes to working with the homebuyers of today and tomorrow. Moskver is passionate about the subject.
“This next cohort of buyers is very educated in terms of what they want. They actually research things a lot before they purchase, and the world is going to have to shift to adapt to those needs,” Moskver said.
Digital natives – who were brought up with computers, the internet, and cell phones – may want to perform the entire mortgage transaction online. But there still needs to be an option for people to sit down with a lender, so flexibility is key.
“I do think it goes back to meeting the consumer where they are and being flexible with technology, and that is what we have tried to do,” Moskver said.
Cloudvirga is a Stewart-owned provider of digital point-of-sale platforms for lenders. In May, Tropos, an enhancement to Cloudvirga’s POS ecosystem, was launched as a new borrower portal built to give lenders more control over how they engage borrowers digitally.
To create Tropos, Moskver said they formed an advisory panel last year with close to 20 lenders who brainstormed about what they were looking for in a technology solution. Then Cloudvirga continued to take their input monthly.
The company also conducted a survey of recent first-time homebuyers, which asked about their experiences with technology in the process.
“This new platform, Tropos, is customer-first. That’s really the most important piece of the vision for it. It is centered around the consumer experience. The idea is for it to be used for a seamless consumer experience on multiple assets and not just mortgage,” Moskver said.
Tropos can be used for mortgage-related products, auto loans, and student loans. Moskver said their target market is regional community banks and credit unions, but it can be used by traditional banks and independent mortgage bankers.
Moskver said one objection lenders have to adopting new technology is that it takes time and manpower. Tropos can be implemented in weeks.
“We’re hoping this is an easy lift and makes their lives easier, which is really the point of technology, if you think about it. It should be easy to use and easy to implement,” Moskver said.
Moskver has been instrumental in charting Cloudvirga’s course since joining in 2019 as the company’s chief legal officer. She helped steer the company through its acquisition by Stewart in 2021 and was appointed COO that same year before stepping into the CEO role in 2022.
Moskver was recognized among HousingWire’s 2023 Vanguards and has been named to Inman’s Best of Finance list every year since its creation in 2023. She is a frequent speaker on topics including digital transformation and the evolving role of AI in lending.
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