FinLocker The Mortgage Collaborative

Improve Your Lead To Closed Loan Conversion

FinLocker can also help Recover Turned Down Applicants & Create Customers for Life

Re-imagine Your Customer Relationships

Extend Your Business Ecosystem

Manage A Larger Pipeline

Streamline Mortgage Application

FinLocker is a financial well-being platform that extends your business ecosystem with a high tech, high touch platform that compliments your existing tech stack. White-labeling the FinLocker app with your brand will provide a competitive edge for lead acquisition, nurturing, and conversion.

FinLocker helps originators manage a larger pipeline by guiding homebuyers towards mortgage readiness using the financial tools and resources they often use in other disparate apps. Providing your white-labeled FinLocker to your leads and prospects early in your engagement will help insulate them from your competitors.

A readiness assessment perpetually analyzes each consumer’s enrolled financial data, so your borrowers will know when they are mortgage ready. Borrowers can leverage consumer permissioned data to begin their loan application directly from the app by sharing their enrolled financial data and stored documents. The data and documents are encrypted during transfer to the originator’s LOS, reducing the risks often associated with document procurement and streamlining the mortgage application process for all parties.

How FinLocker Financially Prepares Your Consumers For Homeownership

Manage Financial Accounts

Consolidated, real-time view of all bank accounts, credit cards, auto loan, student loan, retirement, and investment accounts.

Build & Monitor Credit

Receive free credit score, credit report and credit monitoring.

Tips to increase credit score and overcome any credit challenges.

FinLocker does a soft credit check, so it will never affect a user’s credit score.

Safe and Secure

Data is protected with bank-level security, and stored using AES-256 encryption.

Securely store personal and financial documents, which can be shared for a loan application.

Loan Readiness Assessment

Homebuyers can see where they are in the mortgage approval process in a few minutes.

The Assessment shows what they need to improve to be eligible for a mortgage: credit score, reduce debt-to-income, continue saving for closing costs, etc.

Customized Household Budget

Create savings goals, custom budgets, and project cash flow to save for down payment and closing costs, pay down debt, and plan how to achieve other financial goals.

Personalized Spending Plan

The Spending Analyzer will categorizes financial transactions in enrolled accounts, so consumers can see where they are spending their income, make informed decisions, and identify where they can start saving.

Homeownership Education

Improve financial literacy with 140+ resources & videos on homeownership, including mortgage terms, mortgage programs, mortgage process, insurance, and managing credit.

Real Estate

Start home search in the app.

See recently sold homes in neighborhood.

Track home value and equity after purchase.

Start Mortgage Application

Consumers can Contact Lender (you) directly from the app to start their mortgage application by sharing financial data and documents saved in the app.

Improve The Financial Well-being Of Those Who Matter Most

Compliment your CRM and POS tech stack with a high tech, high touch white-labeled financial well-being platform reflecting your brand and value proposition for lead acquisition, curation, and conversion.

Consumer permissioned data and proprietary analytics drive FinLocker to deliver personalized financial insights with patented technology and enable businesses and organizations to manage their customer pipeline efficiently and provide seamless transaction experiences that create customers for life.