New Financial App Features
The app has been refreshed with a contemporary design, enhanced features and gamification elements to provide more personalized paths to help you reach your short-term and long-term financial goals, including homeownership.
Below is a sample of the main screens, with new features highlighted.
Login Screen
Login with ability to save username, FaceID, TouchID and forgot password feature.
Ability to access Terms of Service and Privacy Statement.

Profile Setup
The updated Profile Setup helps us to provide you with a personalized journey to achieve the financial goals you’ve identified.
Profile set up is now in four sections:
- Objectives & Goals
- Power Up Your App (consumer-related information)
- Home Loan Details (only prompted if user selects first-time homebuyer, intention to refinance, or is a homeowner)
- Employment & Income
Functional updates include:
- Left-hand sub-navigation to displays where you are in the flow
- Notification that time to complete is <5 minutes; timer tracks how long one spends on all sections
- The questions have been re-phrased to be easier to understand, and the question flow has improved

Credit Enrollment
The credit enrollment process has been updated to use TransUnion and to offer enrollment using only the last four digits of your social security number.
The visuals, interface and process have been designed to make the process more engaging and simplified.
Identity verification is supported by a one-time passcode to either mobile or landline. If there is a failure, your may try the One Time Password again or answer knowledge-based authentication questions.

Credit Details
The summary page includes VantageScore 3.0, any increase or decrease from last month’s score (once you have been enrolled for 1+ month), and a summary message with a “star” assessment.
For current users, the credit history graph will only contain the current month as we have converted to TransUnion to obtain the credit score. Helpful education links on credit can be accessed from the main page. The credit inquiry selection will launch to the notification page for details.
Credit factors are summarized with the ability to expand to a detailed page for:
- Number of active accounts
- Credit utilization
- Length of credit
- Payment history
- Inquiries on credit
Functional updates include:
The credit score is a VantageScore 3.0 based on TransUnion data (previously Equifax). There may be some subtle differences on the credit score factors as this is a different credit bureau.
- Credit Freeze now available for all three bureaus: Equifax, Experian, TransUnion
- Closed accounts in addition to active accounts will be displayed
- A consumer statement will display if you have a fraud alert or some other self-reported statement

Account Enrollment
Much like the credit enrollment process, financial account enrollment has also received an upgrade. Using an integration with Fiserv, we are now able to provide users with more detailed information to assist in the enrollment process.
This upgrade includes instructions for specific financial institutions that have multiple steps.
Accounts and Transactions
The updated view shows all enrolled accounts with the ability to easily drill down to specific institutions and individual transactions. You can upload documents related to individual transactions, e.g., receipts or notes.

Budget & Goals
Select Budget, Goals, or Income to see a summary, or drill down to expand further.
The functionality to add goals, budget or income is located as a button.
See all budgets, goals, or income when that section is highlighted.
A helpful video in the app provides an overview on how to add budget or goals.
Edit and delete is accessible with left swipe.

Education
Videos have been categorized under these topics:
- Preparing for Homeownership
- Common Mortgage Terms
- Loan Products Overview
- Steps in the Mortgage Process
- Closing on Your Loan
- After Closing
Quick reference articles and videos on:
- Home Buying (English and Spanish)
- Home Equity
- Auto Loans
- Insurance
- Paying for College
- Credit Cards

Readiness Assessment
The main screen will track if you have set up a Profile, enrolled in Credit, and enrolled an Account.
Credit, Income, Employment, Debt-To-Income-ratio, and Cash Reserves are analyzed.
Credit information is based on the VantageScore 3.0 from TransUnion.
Each section may be expanded to see the guidelines vs. actual, action steps and for debt-to-income ratio, down payment, and funds after close, a video explanation of the category.
Video explanations of Debt-To-Income, Budget, Cash Reserves and Down Payment will be shown in the app.

My Property
Homeowners can enroll their home to receive quarterly updates on the estimated property value, and properties that have sold sold in their neighborhood.
Estimated Equity is calculated if a mortgage loan is linked or not. First and second mortgages can be assigned to the property and included in the Equity calculation.
Homebuyers have the ability to do a Property Search from the My Property main page.

Document Vault
App users can upload and store their personal and financial documents, such as paystubs, W-2s, insurance, receipts, etc. You can decide which documents to share with your loan officer, or another financial sponsor, for a loan transaction.
Within the Document Vault, users can create, edit, delete, move folders, and upload, rename, delete, download, move files.
Upload features include iOS upload support in addition to camera.

Share Center
The Share Center allows the app user to share their financial data and documentation with their loan officer or locker-owner, and then to see what has been shared in a comprehensive single-page view.
Pending and Accepted shared locker sections are provided in addition to starting a New Share.

Please contact FinLocker with your feedback and to request assistance during the transition: