Horizon Platform

Experience the power of our core lending platform and witness the transformation it brings to your lending operations. Our cutting-edge lending platform is meticulously crafted to provide your customers with an exceptional experience and equip your Loan Officers with the most efficient and effective tools available.
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Unparalleled User Experience

At Cloudvirga, we prioritize our client partners' needs, which is why we've created an extraordinary user experience coupled with the perfect set of tools for both your customers and Loan Officers.

Meticulously Designed UI/UX

By actively listening to our clients' feedback, we've meticulously crafted Horizon, our platform that continually evolves based on client and user input. Collaborating closely with our partners, we've built an exceptional experience that sets us apart from the rest.

Mobile-Optimized Convenience

Borrowers expect the freedom to engage with you anytime, anywhere. With Horizon's mobile-optimized design, your borrowers can enjoy a seamless loan process on any device. From desktops to smartphones, we ensure a consistently outstanding experience throughout the entire loan journey.

Empowering Loan Officers
with an All-Inclusive Toolkit

With Horizon, we've curated a comprehensive suite of tools designed to empower your Loan Officers, ensuring they can provide an exceptional lending experience to your valued borrowers while optimizing efficiency. By consolidating these tools into a unified system, your Loan Officers can streamline their workflow and simplify your technology stack, all within a single window.

Our goal is to equip your Loan Officers with the resources they need to deliver their best work effortlessly, enabling them to focus on what they do best—building strong borrower relationships and delivering exceptional lending solutions. With Horizon, your Loan Officers can elevate their performance and drive success, all while providing a seamless and unparalleled lending experience.
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Effortlessly Communicate with Customers

Streamline your communication with borrowers through prebuilt emails that automatically notify them of status changes and required actions. Additionally, our customizable borrower-facing  needs list allows Loan Officers to manually create or modify conditions based on underwriting and AUS results, without the need for multiple systems.

Accurate and Comprehensive Loan Disclosures

Experience our industry-leading technology that seamlessly integrates product, pricing, and fee data from various sources, ensuring accurate initial disclosures. Deliver the right information to your borrowers at the right time, enhancing transparency and trust throughout the loan process.

Simplified Underwriter-Ready File Packaging

Our integrated eVerification suite, inclusive of income and asset verification, Dual AUS, document uploading, and instant and accurate disclosures with eSign capabilities, enables your Loan Officers to effortlessly package an underwriter-ready file within a single window.

Efficient Pipeline Management

Our pipeline management tools go beyond just displaying a list of loans. Gain instant visibility into the status of each loan, allowing you to filter and prioritize as needed. Seamlessly manage conditions, track disclosures and documents, and efficiently handle appraisals from order placement to delivery. Take control of your pipeline with the ability to reprice, lock loans, and effectively monitor every stage of the lending process.

Originator Dashboards

Customizable dashboards with real-time updates provide easy access to important information, pipeline tracking, loan status updates and prompts for required actions so that originators can maximize efficiency.

Customer Dashboard:
A Lifelong Connection

At Cloudvirga, we believe in nurturing long-lasting relationships with your borrowers. Our “Customer Dashboard” ensures that even after closing, your borrowers maintain access to their accounts and information, fostering ongoing engagement and support.

Fully Customizable and
Branded Experience

Your brand, your vision. Our platforms are entirely white-labeled and customizable, providing a seamless and cohesive experience for your borrowers from beginning to end. Tailor the platform to align with your brand identity, ensuring a consistent and personalized journey.

Effortless Appraisal Management

Simplify the appraisal process with our integrated Appraisal Management system. From ordering appraisals to managing payments and tracking updates, everything is centralized in one convenient location. Gain the commitment you need upfront while enjoying streamlined tracking and efficient communication throughout the appraisal process.

Streamlined Product & Pricing Platform

Experience the power of our industry-leading product and pricing tools that provide you with accurate information in real-time, ensuring you can quote with confidence.
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Effortless Fee Calculations

Leave the complex calculations to Horizon. From mortgage insurance to VA Funding, FHA, UFMIP, and more, our platform handles all the intricate fee calculations for you. Access the right figures you need, conveniently consolidated in one place.

Real-time Lender and Third-Party Fees

Engage with your borrowers and disclose loan details with confidence. Our platform instantly retrieves data from multiple sources, ensuring that the figures your Loan Officers disclose are precise from the first click to the final disclosure.

Create Professional Loan Comparison Letters

Empower your Loan Officers to provide borrowers with more options and build trust. With our Loan Comparison letter builder, your Loan Officers can compare up to five loan scenarios, including all fees, cash to close, and payments. Deliver professional-quality loan comparison letters that showcase the advantages of different loan options.

Change of Circumstance Protection

Rest easy knowing that Horizon diligently monitors your loan data for any changes that may trigger a reprice or require redisclosure. Our platform promptly alerts your Loan Officers, ensuring they complete the necessary updates before the loan progresses further.

Government Center

Experience the unparalleled efficiency of our best-in-class Government Center, designed to empower your Loan Officers to navigate even the most intricate loan scenarios seamlessly, delivering an exceptional experience for them and their borrowers.
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Instant Eligibility Determination

Our platform simplifies the process of determining eligibility for FHA, VA, and USDA loans. By asking the right questions at the right time, all in one place, we enable your Loan Officers to obtain instant eligibility results, streamlining the loan qualification process.

Automated Program-Specific Calculations

Say goodbye to manual calculations. Our platform automates program-specific calculations, such as VA Funding Fees and FHA UFMIP, with just a click of a button. This automation simplifies even the most complex loan scenarios, saving valuable time and ensuring accuracy.

Dynamic Pricing and Fee Analysis

Empower your Loan Officers to make informed decisions with accurate and up-to-date pricing and fee information. Our platform provides instant access to all associated pricing and fee options across rates and terms, all conveniently displayed on a single screen.

E-Verification Suite

Unlock significant time savings and create a seamless borrower experience with our advanced eVerification suite. By collecting all the necessary information upfront, our suite streamlines the processing timeline, enabling you to create underwriter-ready files quickly and accurately disclose the details to your borrowers.
Instantly verify Income, Employment, and Assets
Get eConsent Upfront
Effortlessly eSign Initial Disclosures
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Pre-Approval Letters

Create personalized pre-approval letters for your borrowers instantly and customize them according to their unique requirements.

Dynamic Application Workflow

Our dynamic workflow adjusts in real time based on borrower input, creating a tailored experience.

Automated Initial Disclosures

Generate initial disclosures with a single click, all within our platform. Easily track and monitor the progress of these disclosures, keeping you in control and ensuring compliance.

Electronic Documents & Signatures

We recognize the importance of convenience for your borrowers. With Horizon, your borrowers can provide eConsent and eSign disclosures within our platform.

Dual AUS

Our platform enables you to run Desktop Underwriter (DU) and Loan Product Advisor (LPA) simultaneously. This dual AUS capability ensures that you can provide your customers with a variety of loan options quickly and efficiently.

User & Account Level Permissions

Manage user permissions with ease. Our platform allows you to customize permission levels for individuals, teams, branches, regions, or even the entire enterprise. Maintain control and security while ensuring seamless collaboration.

Maximize your customer experience and originator efficiency today!

Chat with one of our Sales Executives to discuss how Cloudvirga can optimize your tech stack.