The Mortgage Hub Locker

The Mortgage Hub 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

The Mortgage Hub Locker 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 debts 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!

The Mortgage Hub Locker Features

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.

Readiness Assessment

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.

household budget icon

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

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.

homeownership education

Homeownership Education

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

Real Estate

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 back control of your finances with the Mortgage Hub Locker.

The Mortgage Hub would like to provide you with a secure financial well-being app to create your personal path to homeownership, and beyond.

Your Locker 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.

It only takes a few minutes to create your Mortgage Hub Locker.