Cloudvirga Horizon Wholesale

Unparalleled User Experience

By actively listening to our client partners, we have crafted an exceptional experience for your broker partners, equipping them with the necessary tools to succeed in any market. With Horizon Wholesale, we strive to deliver a user experience that surpasses expectations and empowers brokers to thrive.

Meticulously Designed UI/UX

By actively listening to our clients‘ feedback, we've meticulously crafted Horizon Wholesale, 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.

Broker Branded Portal

With our Broker Branded Portal, Horizon Wholesale provides your broker partners with a seamless, branded experience. We understand the value of their brand and aim to enhance their borrower interactions. By offering a better experience, your broker partners can close more loans and strengthen their reputation.

Broker Pipeline Management

Capture more loans from your broker partners with ease through our comprehensive Broker Pipeline Management features.

Fully featured pipeline dashboard

Our platform offers a robust pipeline dashboard that allows broker partners to review and manage their entire pipeline. They can choose from included views or create custom dashboards in just a few clicks, providing instant visibility into their loan pipeline.

Disclosure tracking

Simplify the tracking of Initial Disclosures, Re-disclosures, and Change of Circumstances in one centralized location. Horizon Wholesale keeps your brokers compliant and informed, eliminating the need for additional resources.

Communicate across all parties

Enable your broker partners to communicate effortlessly with all parties involved. From delivering Loan Comparison reports and needs lists to providing status updates, our portal ensures seamless communication between brokers and their customers. Stay on top of loan status and condition updates effortlessly.

Task Management

Easily manage a full pipeline of loans within a single platform. Horizon Wholesale covers everything from rate locks and disclosures to conditions and repricing, streamlining the entire loan process from start to finish.

Create or Upload MISMO 3.4 File

Start fresh or seamlessly upload MISMO 3.4 files with Horizon Wholesale. We provide you with the flexibility to create new files or effortlessly import existing ones, ensuring a smooth and efficient loan origination process.

Appraisal Management

Obtain the commitment you need upfront and experience hassle-free tracking with our integrated appraisal management system. From appraisal ordering to payments and updates, tools are available in one location.

White-Labeled & Configurable

With our fully white-labeled and customizable platforms, you can deliver a consistent and branded experience to your customers. Our solutions are designed to adapt to your brand, creating a seamless journey from start to finish.

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.

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 your broker partners. Access the right figures you need, conveniently consolidated in one place.

Real-time Lender and Third-Party Fees

Broker partners can engage borrowers and disclose loan details with confidence. Our platform instantly retrieves data from multiple sources, ensuring that figures are precise from the first click to the final disclosure.

Create Professional Loan Comparison Letters

Empower broker partners to provide borrowers with more options and build trust. With our Loan Comparison letter builder, brokers 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 Wholesale diligently monitors your loan data for any changes that may trigger a reprice or require redisclosure. Our platform promptly alerts brokers, 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 Broker Partners to navigate even the most intricate loan scenarios seamlessly, delivering an exceptional experience for them and their borrowers.

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 Broker Partners 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 Broker Partners 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

Obtain eConsent Upfront

Effortlessly eSign Initial Disclosures

Pre-Approval Letters

Broker partners can create personalized pre-approval letters for borrowers instantly and customize them according to their unique requirements.

Dynamic Application Workflow

Horizon Wholesale's dynamic workflow adjusts with your broker partner input, creating a custom experience for them from the first click.

Electronic Documents & Signatures

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

Dual AUS

Simultaneously run Desktop Underwriter (DU) and Loan Product Advisor (LPA). With one click, submit the loan to both DU and LPA, then compare results to determine which best fits your borrower.

Flexible 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.

Automated Initial Disclosures

Horizon Wholesale allows your broker partners to 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.