FinLocker wants to help you financially prepare for homeownership
Become a homeowner sooner with our free all-in-one financial well-being app
Discover Your Path To Homeownership
FinLocker is a free and secure all-in-one financial well-being app with the tools and resources to help you build and monitor your credit, manage your financial accounts and loans in real-time, create custom budgets to save for your down payment and closing costs, and establish positive financial habits.
Use the tools and technology to know when you are mortgage-ready, how much home you can afford, start your real estate search, connect with your mortgage lender, and transfer your financial documents to start your mortgage application – all directly from the app!
Manage Your Financial Accounts
Get a consolidated, real-time view of your bank accounts, credit cards, auto loan, student loan, retirement, and investment accounts.
Build Your Credit
Receive your free credit score, credit report and credit monitoring.
Tips to increase your credit score and overcome any credit challenges.
We do a soft credit check, so it will never affect your credit score.
Safe and Secure
Your data is protected with bank-level security, and stored using AES-256 encryption.
Securely store your personal and financial documents.
You decide what data to share with your lender for a loan application.
Loan Readiness Assessment
See where you are in the mortgage approval process in a few minutes.
Learn if you need to improve your credit score, continue saving or reduce your debt-to-income.
Customized Household Budget
Create savings goals, custom budgets, and project cash flow to save for your down payment and closing costs, pay down debt, and plan how to achieve all of your financial goals.
Personalized Spending Plan
The Spending Analyzer will categorize your financial transactions so you can see where you’re spending your income, make informed decisions, and identify where you can start saving.
Improve your financial literacy with 140+ resources & videos on homeownership, including mortgage terms, mortgage programs, mortgage process, insurance, and managing credit.
Start your home search in the app.
See recently sold homes in your area.
Track your home value and equity after purchase.
Start Your Loan Application
You decide when you’re ready to contact your lender directly from the app to start your mortgage application. Until you make the first move, you won’t receive any unsolicited mortgage offers.
And it’s really, truly FREE
No fees to create your account. No monthly or annual fees to use your account.
We don’t sell your personal and financial information to third parties.
No intrusive ads trying to sell you financial services that you don’t want or need.
Take control of your finances with FinLocker.
FinLocker would like to provide you with a secure financial well-being app to create your personal path to homeownership, and beyond.
Your FinLocker dashboard summarizes your financial information, which makes it quick and easy to manage your financial accounts, bank transactions, net worth, budgets, credit score and credit report, cash flow analysis, and home value, while building a relationship with your financial institution.