# NEO Experience > Financial and real estate planning assistant for homeownership and financial freedom. (iPhone/iPad app by NEO Services LLC.) - Source: https://appshunter.io/ios/app/neo-experience/id1623184910 (this page in markdown: same URL + `.md`) - Developer: [NEO Services LLC](https://appshunter.io/developer/1609316411) - Category: Finance - Price: Free - Rating: 5.00/5 from 2 App Store ratings - Age rating: 12+ - Requires: iOS 15.0 · 114 MB - Released: 2022-06-11 - Data updated: 2026-08-23 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/neo-experience/id1623184910/reviews.md ## What is NEO Experience? NEO Experience is your one stop guide to achieving financial freedom through real estate and financial planning. It is a financial digital assistant available to you by NEO Home Loans. We help you in every aspect of real estate and finance, you can access other aspects of the NEO Experience, we help you stay mortgage ready and manage your financial life. Organize in one place: Your NEO Experience 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. Plan/Prepare: Work with your NEO Home Loans team to proactively plan and best prepare for all of your home ownership needs. Whether it’s planning to buy your first home, move up, down, out of the area or even buying an investment property or second home, this is where you want to start. Your NEO Home Loans team will help you prepare for a down payment, establish reserves, manage your debt to income ratio, improve or maintain your credit, review all 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/ ## Key features - Financial dashboard - Budgeting and spending tracking - Free credit score and report - Homeownership planning - Real estate property search - Secure data sharing ## Frequently asked questions about NEO Experience ### What is NEO Experience? NEO Experience is a financial digital assistant designed to help users achieve financial freedom through real estate and financial planning. It offers tools for budgeting, credit monitoring, and property searching. ### Is NEO Experience free to use? Yes, NEO Experience is available for free. However, it does contain advertisements. ### What financial information can I track with NEO Experience? NEO Experience allows you to track account balances, transactions, net worth, budgeting progress, credit score, cash flow, estimated home value, and spending analysis. ### Does NEO Experience offer a credit score check? Yes, NEO Experience provides a free credit score, report, and monitoring. This is a soft credit pull, meaning it will not impact your credit score. ### How does NEO Experience help with homeownership? NEO Experience helps you plan and prepare for homeownership by assessing your readiness, managing debt-to-income ratio, improving credit, and reviewing loan scenarios. You can also search for properties within the app. ### Is my financial data secure with NEO Experience? Yes, security is a top priority. All connected financial accounts and uploaded documents are encrypted to ensure your data is secure. You can find more information on their security practices at https://www.finlocker.com/security/. ### What devices is NEO Experience available on? NEO Experience is available on iPhone, iPad, and iPod, making it accessible for Apple users. ### How often is NEO Experience updated? The latest version of NEO Experience is 4.21, and it was last updated on May 30, 2026. This indicates a recent update, suggesting ongoing development and support. ## Version history (last 5 releases) ### 4.22 — 2026-08-20 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. ### 4.21 — 2026-05-30 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. ### 4.20 — 2026-03-10 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. ### 4.19 — 2026-02-05 We've fixed some bugs and made a few improvements to the Homeownership Summary and registration experience. We're always working to make the app better, one update at a time! ### 4.18 — 2026-01-05 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. ## Apps similar to NEO Experience | App | Rating | Price | Category | | --- | --- | --- | --- | | [Servbank Mortgage](https://appshunter.io/ios/app/servbank-mortgage/id1670902590) | 4.3 (8,032) | Free | Finance | | [FinLocker](https://appshunter.io/ios/app/finlocker/id1435921445) | 3.9 (19) | Free | Finance | | [KeySteps](https://appshunter.io/ios/app/keysteps/id6642643003) | 3.7 (6) | Free | Finance | | [Luminate Bank](https://appshunter.io/ios/app/luminate-bank/id1588174149) | 4.9 (216) | Free | Finance | | [Homebot](https://appshunter.io/ios/app/homebot/id6448762620) | 3.7 (120) | Free | Finance | | [RateWatch](https://appshunter.io/ios/app/ratewatch/id888906343) | 3.9 (137) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-23.*