FinLocker4.22 - App Store

FinLocker is a financial digital assistant available to you free through an invitation from your trusted financial partner, financial advisor, lender, credit union, bank, realtor, mortgage broker, or from a direct invitation from the FinLocker team. We help you get mortgage ready and manage your financial life.

Organize in one place:
Your FinLocker dashboard summarizes important financial information such as: account balances, transactions, net worth, budgeting, credit score, cash flow analysis, estimated home value, spending analysis, offers and promotions from your financial institution, and an information center with personal finance articles and videos, all in one place.

Budgeting:
Understand what you are spending and where. Track your spending by categories and drill down into subcategories. Receive alerts if you are off track or confirmation if you are on track.

Free Credit Score, Report and Monitoring:
Your credit score is prominently displayed in your dashboard - and it doesn't cost you anything. Track changes month to month and learn the key factors that make up your score like length of credit, timely payment history, utilization of credit, total accounts opened and inquiries. Don't worry, this is a "soft credit pull" meaning there is no impact to your score by checking it. Look through your credit report for accuracy. Access helpful articles that explain credit bureaus, credit score, and more.

Prepare:
Work with your financial partner or institution to best prepare you for home ownership by planning for a down payment, establishing reserves, managing your debt to income ratio, improving or maintaining your credit, loan scenarios through our calculators, establish your projected loan to value, and more. Visit the readiness assessment in your app to see a snapshot of your credit overview, debt to income ratio, cash reserves, employment, down payment and sales price.

Search Properties:
Looking for your first home? Want to move up, or downsize? Use your locker to search local and nationwide real estate listings. Find homes that match what you can afford. See open houses, customize searches, favorite properties you like and save your searches.

Share:
When you are ready to move forward with a financial transaction, you choose what accounts to share with your financial institution. All data is always encrypted.

Security:
Security is our #1 job so you can feel confident that the financial accounts you’ve connected and documents you’ve uploaded are secure. See more here: https://www.finlocker.com/security/

Privacy:
Your privacy is important to us. To learn how we protect your privacy, visit: https://www.finlocker.com/privacy-policy/

Version History Homebuying Readiness now shows helpful info on VA funding fees, and Refi Readiness has a new rate feature to help you explore your options. We've also cleaned up a few things behind the scenes — smoother notifications, better account syncing, and some bug fixes along the way. 4.22 Aug 20 We're introducing the new Net Worth page, now you can track how your finances have progressed over time. Start by linking an account or property to see a comprehensive summary. We've also made some improvements to Refi Readiness and other fixes to help you explore your options with greater confidence. 4.21 May 30 We've been sprucing things up! This update brings a sleeker Homes You Own with a redesigned search and property enrollment experience. We've also refreshed our fonts across the app and quashed some bugs. 4.20 Mar 10 Take a step closer to your goals with the new Homeownership Summary. Powered by AI, it delivers a personalized snapshot of your path to homeownership and suggests practical next steps. We’ve also made improvements to keep things running smoothly. 4.18 Jan 16 We've been working hard on this one! We've made under-the-hood upgrades to our systems for better performance and security to keep your information safe. You can say goodbye to password headaches with our new passwordless sign-in option. 4.17 11/26/2025 Introducing VA loan calculations! You can now check your VA loan eligibility and see how it could impact your journey to homeownership.
P.S. VA loan benefits are not available for everyone — your lender will still need to verify your status. 4.16 10/01/2025 We've squashed some minor bugs and made linking your employment info a breeze directly in the mobile app. We're always working to make your experience smoother! 4.15 08/27/2025 Introducing BuyerVision! A new way for you to view your full financial picture, just as your mortgage lender would view it, and get their personalized coaching on your mortgage approvability odds and more. New users will see a smoother first time on boarding experience. 4.13 06/14/2025 Fix data sharing popup scrollable issue under large text 4.12.1 05/20/2025 Readiness, credit, property and financial account on boarding improvements for a better user experience.
Readiness snapshot interface improvements and affordability calculator integration allows users to update values to see changes in real time! 4.12 05/15/2025 Accessibility improvement 4.11.1 04/29/2025 Dashboard and financial account enrollment experience enhancements! 4.11 04/09/2025 Expanded property enrollment capability- enroll up to 20 properties and track trends!
Explore further readiness and affordability improvements.
Bugs? Squashed! 4.10 03/06/2025 Re-introducing Budgets! Enjoy an improved experience integrated into your readiness snapshot. Set a goal and watch it grow!
Improved property search experience and updated dashboard finance interface. 4.9 02/14/2025 More Homeownership Snapshot Improvements!

You can now ask your Lender about ways to secure a loan with a less-than-perfect credit history or a smaller down payment. 4.8 01/18/2025 Introducing Scenarios! A feature integrated into our Snapshot experience allowing you to compare some common configurations based on what other users commonly run.

We've also made our readiness summary more specific to provide you with an even more accurate view of your homeownership finances. 4.7 12/18/2024 New customizable-to-your-homeownership-journey dashboard experience!

New dynamic Property Search widget! 4.6 11/26/2024 New Calculator Onboarding! Customize your calculator experience to your situation and timeline.
Run a Readiness Snapshot based on your affordability calculations!
You can find a budget for your home that is right for you and see how close you are to qualify for a mortgage.
And even start your application when you are ready! 4.5 10/31/2024 The return of Affordability Calculator and an expanded Readiness Summary experience!

You can now run a Readiness Snapshot from a favorite saved property!

Customizable-to-your-homeownership-journey Step by Step Guide!

You can now give us feedback on any enrolled property valuations! 4.4 10/13/2024 First time user experience onboarding update- We've customized our onboarding to better fit your goals!
New Saved Property feature- search for your dream home and save to your experience!
Dashboard updates! 4.3 09/12/2024 Registration made easier! You can now register using either an email link OR an invitation code!

New credit tool! The Credit Compass feature from our web experience makes its mobile debut!

Bugs? Squashed! 4.2 08/08/2024 New Property page!

Now you can enroll multiple properties to keep all of them on track in a single view!

Mortgages can now link to different properties to calculate the equity and help you track your total net worth.

Fix TONS of bugs! 4.1 07/12/2024 Exciting App Update!

- Fresh & clean login page
- Lightning-fast biometric login
- Secure password manager for your account

- Document feature is back! Keep important docs safe
- Lender Connect returns for a head start on applications
- Bugs? Gone! Enjoy a smoother experience

Update now and explore the new features! 4.0 05/20/2024 Minor improvements 3.24.1 12/16/2023 Our new Financial Insights will show you your financial trends across Net worth, Savings, and Debt-to-Income ratio (DTI).

A new Step-by-Step guide will provide an easy map of your homeownership tools.

Updated mortgage interest rate information helps you track daily market changes.

Push notification will now alert you to the latest relevant and useful information.

Bugs were propelled into the center of the Sun! 3.24 10/24/2023