# USafe by UMortgage > Financial assistant for homeownership, credit monitoring, and mortgage readiness. (iPhone/iPad app by UMortgage LLC.) - Source: https://appshunter.io/ios/app/usafe-by-umortgage/id1614525395 (this page in markdown: same URL + `.md`) - Developer: [UMortgage LLC](https://appshunter.io/developer/1614525757) - Category: Finance - Price: Free - Rating: 5.00/5 from 4 App Store ratings - Age rating: 4+ - Requires: iOS 15.0 · 132 MB - Released: 2022-03-24 - Data updated: 2026-06-10 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/usafe-by-umortgage/id1614525395/reviews.md ## What is USafe by UMortgage? Looking to achieve your dream of homeownership? Look no further than USafe, the ultimate financial digital assistant. Whether you're just starting your homeownership journey or you're a seasoned homeowner, USafe has everything you need to get mortgage-ready and build your homeownership wealth with confidence. Here are some of the key features that set USafe apart: Free credit score, report, and monitoring: See your credit score and track changes month-to-month. Learn the key factors that make up your score and check your credit report for accuracy. Affordability analysis: Check your total buying power based on where your finances are today, then see the real-time impact that interest rate changes or other factors can have on your estimated monthly payment. Real estate listings: Search local and nationwide real estate listings, customize searches, favorite properties you like, and save your searches. Mortgage readiness assessment: Check your personal Homeownership Snapshot to see how you stand on the key financial factors used for mortgage approvability, and that will help you reduce your estimated monthly payment when buying your next home. Financial Insights: Track your cumulative savings and DTI as you save up for a new home, and your net worth as you grow wealth in your current one. Homeownership preparation: Connect with your trusted lender partner to review your mortgage readiness and get their guidance on planning and specific steps you should take to be confident at every stage of your journey. Security is our #1 priority, so you can rest easy knowing that your financial accounts and homeownership preferences are secure. Read our security and privacy policies here: https://finlocker.com/security/ Achieving your dream of homeownership has never been easier. Download USafe today and take control of your financial future. ## Key features - Free credit score, report, and monitoring - Affordability analysis - Real estate listings - Mortgage readiness assessment - Financial insights - Connect with lender partners ## Frequently asked questions about USafe by UMortgage ### What is USafe? USafe is a financial digital assistant designed to help users achieve homeownership. It offers tools for credit monitoring, affordability analysis, and mortgage readiness assessment, along with real estate listings. ### Is USafe free to use? Yes, USafe is free to download and use. However, it does contain advertisements. ### How does USafe help with my credit score? USafe provides a free credit score, report, and monitoring service. You can track changes month-to-month, understand the factors influencing your score, and check your credit report for accuracy. ### Can USafe help me understand how much house I can afford? Yes, USafe features an affordability analysis tool. It checks your total buying power based on your current finances and shows the real-time impact of interest rate changes on your estimated monthly payment. ### Does USafe have ads? Yes, USafe contains advertisements. ### What devices does USafe support? USafe is available on iPhone, iPad, and iPod devices. ### How often is USafe updated? The latest version of USafe is 4.10, and it was last updated on March 6, 2025. This indicates regular updates to improve functionality and security. ### Is my financial information secure with USafe? Security is a top priority for USafe. The app ensures your financial accounts and homeownership preferences are secure, with detailed security and privacy policies available. ## Version history (last 5 releases) ### 4.10 — 2025-03-06 Expanded property enrollment capability- enroll up to 20 properties and track trends! Explore further readiness and affordability improvements. Bugs? Squashed! ### 4.9 — 2025-02-14 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. ### 4.8 — 2025-01-19 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. ### 4.7 — 2024-12-18 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. ### 4.6 — 2024-12-03 New customizable-to-your-homeownership-journey dashboard experience! New dynamic Property Search widget! --- *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 2026-06-10.*