Originator Point-of-Sale Digital Mortgage Improve Selling Productivity

Originator Mortgage Point-of-Sale

Improve Selling Productivity and Downstream Efficiencies

Originator Point-of-Sale Digital Mortgage Improve Selling Productivity
Refine the mortgage process and put useful technology in the hands of Loan Officers, while driving costs down in the process.

Help Loan Officers Close More Loans and Reduce Costs

Empower Loan Officers to Do More with Less Digital Mortgage
Build Trust from Application to Close Digital Mortgage
Close More Loans Faster Digital Mortgage

Empower Loan officers to Do More in Less Time

Build Trust from Application to Close

Close More Loans Faster

Structure, quote products and rates, compare scenarios, disclose, order appraisal and run your needs list all upfront. 

One place where customers apply, get advice, quotes, direct-connect or upload docs securely, e-sign, manage all tasks while staying updated in real-time.

The digital mortgage platform that goes beyond taking an application. We automate the consumer and back-office tasks resulting in faster speed to close, with less touches and lower cost.

Empower Loan Officers to Do More with Less Digital Mortgage

Empower Loan officers to Do More in Less Time

Structure, quote products and rates, compare scenarios, disclose, order appraisal and run your needs list all upfront. 

Build Trust from Application to Close Digital Mortgage

Build Trust from Application to Close

One place where customers apply, get advice, quotes, direct-connect or upload docs securely, e-sign, manage all tasks while staying updated in real-time.

Close More Loans Faster Digital Mortgage

Close More Loans Faster

The digital mortgage engine that goes beyond taking an application. We automate the consumer and back-office tasks resulting in faster speed to close, with less touches and lower cost.

Shop for Products and Pricing Originator Point of Sale Digital Mortgage
Shop for Products and Pricing Digital Mortgage

Shop for Products and Pricing

Quickly determine which products your customer is eligible for, present rates and fees in seconds and even lock your rate and request concessions.

Loan Comparison Digital Mortgage Icon

Loan Comparison

Advising and proactively educating the consumer is essential. Present multiple program options to your customer in an easy to understand format with our Loan Comparison Report.

Originator Mortgage Point-of-Sale Digital Mortgage Platform Loan Comparison
Back-Office Tasks Completed Upfront Digital Mortgage Software
Back-Office Tasks Completed Upfront Digital Mortgage

Back-office Tasks Completed upfront

One system where you can price, lock, request concessions, pull in fees, confirm program eligibility with debt-to-income (DTI) ratio and reserve calculations, disclose, run single-click dual AUS, order appraisal, and auto generate needs lists.

Built-In Compliance Checks Prior to Disclosing Digital Mortgage

Built-in Compliance Checks Prior to Disclosing

Protection through automated compliance checks means you can disclose at the click of a button.

Built-in Compliance Check Originator Mortgage Point-of-Sale Digital Mortgage Platform
Qualifications Calculations Originator Point-of-Sale Digital Mortgage
Qualifications Calculations Digital Mortgage Icon

Qualification Calculations

Automatic Debt-to-income, cash to close and reserve calculations give you the ability to determine eligibility early in the process.

Disclosures Delivered with Ease Digital Mortgage Icon

Disclosures Delivered with Ease

Generate disclosures on time, in a fraction of the time, with direct integrations that feed back to your loan origination system. Originators can now increase speed to underwriting by issuing disclosures while remaining compliant.

Disclosures Delivered with Ease Originator Point-of-Sale Digital Mortgage
Automated Appraisal Workflow Originator Mortgage Point-of-Sale Digital Mortgage Platform
Automated Appraisal Workflow Digital Mortgage Icon

Automated Appraisal Workflow

Appraisal ordering customization which allows the consumer or Loan Officer to place the order. Consumers can even post payment without having to wait for the lender to engage.

Proprietary Invest Matrix Digital Mortgage

Proprietary Investor Matrix

Present your specific product guide mix including investor matrices and overlays for all product types.  

Proprietary Invest Matrix Digital Mortgage
Digital Mortgage SOC 2 Type 1 Compliant
Digital Mortgage Platform Americans with Disabilities Act (ADA) Compliant

SOC 2 Type 1 Compliant

Cloudvirga helps you to stay secure and compliant throughout the mortgage origination process. We successfully deliver the five Trust Service Principles of security, availability, processing integrity, confidentiality, and privacy.

Digital Mortgage Platform Americans with Disabilities Act (ADA) Compliant

ISO 27001 Stage 2 Certified

Cloudvirga is proud to be ISO 27001 Stage 2 certified. We have met rigorous international security standards to ensure confidentiality, integrity, and availability of our Management of Information Security to protect all assets in design, development, maintenance and monitoring in our Intelligent Mortgage Platform®.

Cloudvirga ISO 27001 Stage 2 Certified
Integrate Lending Technology Digital Mortgage
Integrate with Lending Technologies Digital Mortgage Icon

Seamlessly Integrate with Lending Technologies and Data Provider

Cloudvirga seamlessly integrates with your existing origination ecosystem and software such as loan origination systems (LOS), customer relation management (CRM), credit, product pricing and eligibility (PPE), fee and MI providers, government sponsored enterprise (GSE), electronic verification of assets (EVOA), esign and document delivery, and much more.

See Why Customers Love Us

Implementing Cloudvirga’s Point-of-Sale has enabled us to improve the user experience for both our clients and loan officers by moving them into a functional online platform. We have also been able to lower our cost per loan by having the portal handle the tasks that are normally done by a loan officer assistant and achieve new efficiencies in several other positions.

– John Sherman, President, American Financial Network

We are already seeing tremendous benefit from consumers no longer abandoning applications and increased capacity for our sales force due to reduced time spent on loan structuring. More than that, we are enjoying significant operational pickup and accelerated decisioning due to the quality and completeness of files created in Cloudvirga.

– Dan Mulberry, CIO, Envoy Mortgage

I am convinced Cloudvirga is the piece of the origination puzzle that’s been missing for all loan officers. The smart consumer portal provides a simple, user-friendly, 10-minute application process for our borrowers, and our loan officers now have an origination environment they can efficiently navigate through with speed and confidence

– Carolyn Blondin, Brand Training Director, Fairway Independent Mortgage Corporation

Gain Commitment and Close Loans Faster

Intelligently structure deals while simultaneously progressing your customer through the loan process.

Accurate Calculations Digital Mortgage Icon

Accurate Calculations

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

Loan Comparison Report Consumer Point-of-Sale Digital Mortgage

Pipeline Management

Customizable pipeline views support managing and filtering pipelines with ease

Structuring Tools Digital Mortgage Icon

Flexibility in Defining Loan Structure

Whether putting together a simple conforming loan or complex loans, get the flexibility to structure loan terms without going into your LOS

Instant Credit Pull Digital Mortgage Icon

Pull Credit from Numerous Providers

Pull credit in moments, auto extract liabilities, securely store credit reports, reissue credit, remove borrowers

DU LP Integration Digital Mortgage Icon

DU/LPA Integration and Dual AUS

Desktop Underwriter and Loan Product Advisor integration , as well as 1 touch running of Dual AUS

Optimized Workflow Digital Mortgage Icon

Support Custom Workflows

Introduce guardrails to guide your users through a best practice workflow, or choose to allow users to navigate through a loan however they like

Real-Time Access to County Level Digital Mortgage

CRM Integration

Receive lead data from any CRM that can pass data through a standard MISMO 3.4 format with or without an embedded FNMA 3.2 file

Accurate Appraisal Fees Digital Mortgage Icon

Accurate Appraisal Fees

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

Post TRID Compliance Digital Mortgage

Pre-Qualification and Pre-Approval

Generate pre-qual and pre-approval letters in moments

Support Workflow Digital Mortgage Icon

Updated Financial Asset Info

After your borrower has undertaken eVOA, retrieve updated asset information (30-, 60-, 90-day) direct from the financial institution

Document Integrations Digital Mortgage

Document Integrations

Direct integration with best-in-class document providers allow loan officers to take a loan all the way through initial disclosures without ever going into the LOS

Calculate Net Tangible Benefit Digital Mortgage

Calculate Net Tangible Benefit

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

Request Lock, Concession, and Disclosures Digital Mortgage Icon

Request Locks and Concessions

Request rate locks as well as any rate concessions

Qualification Engine Digital Mortgage Icon

Qualification Engine

Proprietary VA/FHA/USDA qualification engine

Updated Bank Info Digital Mortgage Icon

Updated Bank Info

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

Generate Compliant Disclosures Digital Mortgage Icon

Generate Compliant Disclosures

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

Document Vault Digital Mortgage

Document Vault

Secure document vault stores and manages all lender and consumer generated documents

FeeGuard Protection Digital Mortgage

FeeGuard Protection

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

Obtain Intent Digital Mortgage Icon

ITP

Obtain intent to proceed and stamp loans with the ITP date

Real-TIme Audit Logs Digital Mortgage

Real-Time Audit Logs

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 Digital Mortgage

Real-time Access to County-level

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

Automate Mailing Disclosures Digital Mortgage

Automate Mailing Disclosures

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

Support 8 Borrowers on 1 Loan Digital Mortgage Icon

Support 8 Borrowers on 1 Loan

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

Ready to reduce mortgage origination costs and close loans faster?

Take a Guided Demo Tour