KinLocker vs MortgageShield

KinLocker is a financial digital assistant available to you free through an invitation from your friend or family member on the FinLocker team. We help you get mortgage ready and manage your financial life. Organize in one place: Your KinLocker 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: Use your KinLocker app 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. 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/

Looking to achieve your dream of homeownership? Look no further than MortgageShield, the ultimate financial digital assistant. Whether you're just starting your homeownership journey or you're a seasoned homeowner, MortgageShield has everything you need to get mortgage-ready and build your homeownership wealth with confidence. Here are some of the key features that set MortgageShield 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 MortgageShield today and take control of your financial future.