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 custom budgets to save for a home down payment, buy a car, pay down student loans and credit cards, or whatever matters most to you.
Manage Your Money With FinLocker’s Intuitive Tools
Manage All Your Financial Accounts in One Place
Get a consolidated, real-time view of 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 receive notifications 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
The Spending Analysis tool provides a visual summary of all the transactions in the enrolled financial accounts. See where you’re spending your income and identify where to reduce spending and start saving.
Create Customized Budgets
Create savings goals, custom budgets, and project cash flow to pay down debt, save for your down payment and closing costs, and plan how to achieve other financial goals.
Make Informed Credit Actions and Decisions
An interactive credit simulator takes the guesswork out of credit decisions by showing you how the decisions you make on various credit-related scenarios can lower or increase your credit score in the future.
Watch insightful videos on homeownership, 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.
Discover Your Path to Homeownership
FinLocker perpetually analyzes your enrolled financial data to evaluate your eligibility if you were to enter into the mortgage approval process. The Readiness Assessment will show if you need to improve your credit score, continue saving or reduce your debt-to-income ratio, then guide you to overcome these barriers to achieve homeownership.
Securely store your personal and financial documents in the app. You decide what data and documents to share with your lender for a loan application.
FinLocker protects your financial data with bank-level security. Data is stored using AES-256 encryption and encrypted during transfer to your lender.
Homebuyers – start your home search from the app. Search for homes within a price range, preferred zip codes, home types, and number of bedrooms.
Homeowners – track your home value and equity and see homes recently sold in your neighborhood.
Start Your Mortgage Application
Contact your lender through the app when you’re ready to start a mortgage application. Selecting your financial data and documents stored in your app to securely share with your lender streamlines the mortgage application process.