# Vault by Empire Home Loans

> Vault by Empire Home Loans (iPhone/iPad app by Empire Home Loans Inc..)

- Source: https://appshunter.io/ios/app/vault-by-empire-home-loans/id6477306107 (this page in markdown: same URL + `.md`)
- Developer: [Empire Home Loans Inc.](https://appshunter.io/developer/1713636701)
- Category: Finance
- Price: Free
- Age rating: 12+
- Requires: iOS 15.0 · 114 MB
- Released: 2024-03-05
- Data updated: 2026-08-26
- User reviews in markdown: https://appshunter.io/ios/app/vault-by-empire-home-loans/id6477306107/reviews.md

## What is Vault by Empire Home Loans?

Empire Vault is a financial digital assistant available to you free through an invitation from your trusted Loan Officer.  We help you get mortgage ready and manage your financial life. 

Organize in one place:
Your Empire Vault 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 (last 5 releases)

### 4.22 — 2026-08-21

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.

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## More apps by Empire Home Loans Inc.

- [Empire Design Studio](https://appshunter.io/ios/app/empire-design-studio/id6470413647)

All apps by Empire Home Loans Inc.: https://appshunter.io/developer/1713636701

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*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 2026-08-26.*