Achieve your financial goals with FinLocker

FinLocker is a secure all-in-one financial fitness app to help you confidently manage your financial life so you can achieve your financial goals and establish positive financial habits.

The FinLocker app provides tools and resources to help you build and monitor your credit and manage all your financial accounts in one place, in real-time. Create goals and budgets to save for a home down payment, buy a car, pay down student loans and credit cards, or whatever matters most to you.

FinLocker’s intuitive tools makes managing your financial life easier

Manage all your financial accounts in one place

Get a consolidated, real-time view of every transaction in all enrolled bank accounts, credit cards, auto loan, student loan, retirement, and investment accounts.

Build and monitor your credit

Receive your credit score, credit report, and credit monitoring from TransUnion. Track payment history, and get notified when your credit score increases or decreases. FinLocker does a soft credit check, so it will never affect your credit score.

Make informed spending decisions

FinLocker categorizes every transaction in your enrolled financial accounts and provides a visual summary that shows where and when you’re spending your income..

Improve your financial literacy

Watch insightful videos on home buying, auto loans, insurance, managing credit, and paying for college right in the app. Additional resources dive deeper to explain mortgage terms, mortgage programs, the mortgage process, and factors that impact your credit.

Make informed credit decisions

An interactive credit simulator takes the guesswork out of credit decisions by showing how various credit scenarios could lower or increase your credit score in the future. The credit compass provides tips to build your credit score.


Create trackable saving goals and budgets

The categorized transactions make it easy to create custom budgets, trackable savings goals, and project cash flow to pay down debt, save for your down payment and closing costs, and plan how to achieve other financial goals.

Discover your path to homeownership

Get a homebuying budget that suits your income

Use the affordability calculator to calculate a home budget with a monthly mortgage payment that fits your income, and the amount to save for your down payment and closing costs. Within a few click you can create a trackable goal linked to your enrolled financial accounts to save for these costs.

Track your progress towards mortgage readiness

FinLocker perpetually analyzes your enrolled financial data to show where you are in real-time on your journey towards being mortgage ready and what you need to do to improve your loan eligibility, such as increase your credit score, continue saving more towards your down payment and closing costs, or reduce your debt-to-income ratio.

Search for a new home or investment property

Start your home search from the app. Search for homes within a price range, preferred zip codes, home types, and number of bedrooms.

Save documents for your mortgage application

Securely store the financial documents you’ll need for a mortgage application and personal documents to easily access at any time.

FinLocker protects your financial data with bank-level security. Data is stored using AES-256 encryption and encrypted during transfer to your lender.

Start your mortgage application

Connect with your loan officer or lender through your app when you’re ready to start a mortgage application.

When your financial data and documents are shared with your loan officer through FinLocker it streamlines the mortgage application process and helps your lender to make a decision faster.

Continue using the app to sustain homeownership

Monitor your home value and equity and see homes recently sold in your neighborhood.

Continue using the app to manage your money, monitor your credit, save for an emergency fund, and achieve more financial goals.

Questions? Check out our FAQs or Contact Us.

Latest FinLocker Blogs

How To Qualify For A Mortgage With Student Loan Debt

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How To Start and Build Your Emergency Fund.

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