Cloudvirga Horizon for Wholesale Lenders

Why Choose Horizon Wholesale?

Cloudvirga is redefining the wholesale lender relationship by providing broker partners with the essential tools and seamless communication they deserve. With Horizon Wholesale, we empower your broker partners to take charge and thrive, ultimately driving growth for your business.

Putting Your Broker Partners in Charge

Comprehensive Pipeline Dashboard

Our fully featured pipeline dashboard allows your broker partners to effortlessly review, monitor, and track the status of every loan. Whether using the included view or customizing their own dashboard, they have instant access to crucial information for streamlined management.

Efficient Task Management

Horizon Wholesale streamlines the management of a full pipeline of loans in one centralized location. From rate locks and disclosures to conditions and repricing, our platform provides comprehensive coverage, ensuring your broker partners can handle every step of the process with ease.

Seamless Communication Across All Parties

Effective communication is key. Horizon Wholesale enables your broker partners to instantly deliver Loan Comparison reports, needs lists, status updates, and more to their customers, keeping them informed and engaged. Stay connected and provide timely updates on loan status and conditions effortlessly.

Create Loans or Upload a MISMO 3.4

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.

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.

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, all the necessary tools are available in one convenient location, streamlining the appraisal process for a smoother lending experience.

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.

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.

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.

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.

Wholesale Lenders