Horizon Platform

Our core lending platform is designed to deliver the best possible experience to your customers and the most efficient tools to your Loan Officers.
Header image

A User Experience Like No Other

By listening to our client partners we have created the best experience and the right tools for your customers and Loan Officers.

Meticulously Designed UI/UX

Our clients asked - and we listened.
Horizon is constantly updated and improved with feedback by our clients and users. We have collaborated with all our partners to build the best possible experience.

Mobile First Experience

Your customers have the expectation to work with you wherever and whenever they want. With Horizon's mobile first design, customers can experience the entire loan process from any device they choose.

Loan Officer Toolkit

Horizon comes complete with a built-in suite of tools to fully enable your Loan Officers to focus on doing their best work—delivering the best lending experience to your customers while being as efficient as possible.

Bringing all these tools together into one system allows your Loan Officers to do all their work in a single window and simplify your technology stack.
Dashboard mockup

Communicate with customers

Prebuilt emails that alert you customers to status changes and requirements. A borrower facing customized needs list that allows the Loan Officer to manually create or adjust conditions from underwriting and AUS results without the LOS.

Fully and accurately disclose a loan

Our industry best product, pricing, and fees technology instantly pulls in data from multiple sources, making your initial disclosures accurate from the first click. Delivering the right information at the right time to your customers.

Package an underwriter ready file in one window

With a built in eVerification suite, including income and assets, Dual AUS, document uploading, and instant, accurate disclosing with eSigning, your Loan Officers are just minutes away from an underwriter ready submission- all in one place.

Pipeline management

Pipeline management that goes well beyond a list of loans. Instantly know status and filter as needed. Manage conditions, disclosure tracking, and documents. Reprice or lock a loan. Manage appraisals from order and payment through status and delivery.

Customer Dashboard "For Life"

Relationships don't end at closing, and neither should your customer's access. With Cloudvirga your customers have access for life.

White-Labeled & Configurable

You brand, their experience. Our platforms are completely white-labeled and customizable, creating a seamless experience from start to finish.

Appraisal Management

Get the commitment you need upfront and the tracking you deserve with appraisal ordering, payments, and updates in one place.

Product & Pricing Platform

Our industry best product and pricing tools get the information you need, when you need it and all with real-time accuracy. Quote with confidence.
Dashboard mockup

Built-in fee calculations

With Horizon, the difficult calculations are completed for you. Whether it’s mortgage insurance, VA Funding, FHA UFMIP, and more, our platform instantly gives you the right calculations in one place.

Lender and third party fees
in real time

Speak to your borrowers and disclose with confidence. Our platform instantly reaches out to multiple sources to make sure the figures your Loan Officers disclose are correct from the first click to the last.

Loan Comparison letter builder

Compare up to five loan scenarios, including all fees, cash to close, and payments in a professional quality deliverable. Helping your Loan Officers create trust and giving their customers more options.

Change of Circumstance protection

Horizon is constantly scanning the loan data for any changes that would trigger a reprice or redisclosure and alerts your Loan Officers and makes them complete it before the loan moves forward.

Government Center

Our best-in-class government center lets your Loan Officers complete even the most complex loan scenarios within seconds. Creating the best experience for them and their customers.
Dashboard mockup

Determine eligibility

Our platform helps you instantly determine eligibility for FHA, VA, and USDA loans by asking the right questions, at the right time, all in one place.

Automatic and program specific calculations

Program specific calculations such as VA Funding Fee and FHA UFMIP are completed with the click of a button, making even the most complex loan simple.

Dynamic pricing and fee

With dynamic program pricing and fee capabilities, you can instantly see all associated pricing and fee options across all rates and terms instantly, accurately, and on one screen.

E-Verification Suite

Our eVerification suite saves you days in processing and creates a happy borrower by collecting everything you need upfront. Create underwriter ready files in minutes and then accurately disclose to your borrowers.
Instantly verify Income, Employment, and Assets
Get eConsent Upfront
eSign Initial Disclosures
Dashboard mockup

Pre-Approval Letters

Instantly create customizable preapproval letters for your customer then deliver them where and when they need it.

Dynamic Application Workflow

Horizon's dynamic workflow adjusts with your customer input, creating a custom experience from the first click.

Dual AUS

We know your customers want options and our platform delivers. Instantly run DU and LPA simultaneously with one click.

Automated Initial Disclosures

Horizon allows you to create Initial Disclosures with just one click all within our platform, and with tracking to boot.

Electronic Documents & Signatures

We understand that your customers need convenience. Horizon allows them to give eConsent and eSign disclosers in our platform.

User & Account Level Permissions

From across the office to across the country, you can easily customize permission levels for an individual, team, branch, region or enterprise.

Maximize your customer experience and originator efficiency today!

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