Comparison

Mortgages by OVM vs KeySteps

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Mortgages by OVM

This app simplifies the home financing journey by allowing users to apply for home loans, compare lending options, and track their application status. It connects users with loan originators and facilitates document scanning directly from a smartphone.

Highlights
  • Apply for home loans
  • Compare lending options
  • Connect with loan originators
  • Scan documents
  • Track application status
  • Access industry news
Features
Read full description

Mortgages by OVM is your personal home financing assistant designed to help make the mortgage process as easy as possible. With Mortgages by OVM, the mortgage process is always easily accessible. Complete your pre-approval application, show sellers you are a serious buyer and, track your mortgage application from start to finish all from your smart phone. Homebuying is made easy with {pending app name}. Key Features: · Apply for home loan directly on app. · Compare different lending options. · Take to experienced Loan Originators directly. Ask your questions and get answers immediately. · Scan-in required documents from your phone. · Stay up to date on industry news. · Access your application easily and view status updates. Ready to make your dreams of homeownership a reality? Mortgages by OVM is ready to make that happen. Do not wait. Download today to get started.

About

KeySteps

This financial assistant helps users achieve homeownership by providing tools for credit monitoring, affordability analysis, and mortgage readiness assessment. It also features real estate listings and connects users with lenders for guidance.

Highlights
  • Free credit score, report, and monitoring
  • Affordability analysis
  • Real estate listings search
  • Mortgage readiness assessment
  • Financial insights (savings, DTI, net worth)
  • Lender connection for guidance
Read full description

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

Screenshots

Mortgages by OVM4 screens
KeySteps4 screens

Verdict

The call

The clearest difference is rating: Mortgages by OVM at 5.0 against KeySteps's 3.7. Mortgages by OVM also leads on monetization model (free vs ad-supported). KeySteps's advantage is update cadence (monthly vs every 2 months) and ratings volume (6 vs 2). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Mortgages by OVM holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 2 and 6 respectively.

UpkeepUpdate frequency

Mortgages by OVM ships an update every 2 months, KeySteps monthly. Both last shipped on October 24, 2026.

Scorecard5 real differences · 5 level
Mortgages by OVM versus KeySteps: the parameters behind the verdict, then further details
ParameterMortgages by OVMKeySteps
PriceFreeFree
Rating5.0 (2 ratings) — better3.7 (6 ratings)
Positive reviews—100.0% of reviews
Number of ratings26 — better
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS18.015.0 — better
Further details — not scored
Size102 MB114 MB
Age rating4+12+
DeveloperAnnieMac Home MortgageFinlocker LLC

Customer experience

Mortgages by OVM

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

KeySteps

All ratings6 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Mortgages by OVM

No in-app purchases

None

KeySteps

No in-app purchases

Questions

Is Mortgages by OVM free?
Mortgages by OVM is free to download, with no in-app purchases.
Is KeySteps free?
KeySteps is free to download, with no in-app purchases.
Which has better reviews, Mortgages by OVM or KeySteps?
Mortgages by OVM is rated higher. Mortgages by OVM averages 5.0 out of 5 from 2 ratings, while KeySteps averages 3.7 from 6 ratings.
Do Mortgages by OVM or KeySteps have ads?
Neither Mortgages by OVM nor KeySteps shows ads.
Which is updated more often, Mortgages by OVM or KeySteps?
Mortgages by OVM ships an update every 2 months, and KeySteps monthly. Most recently, Mortgages by OVM was updated on October 24, 2026 and KeySteps on October 24, 2026.

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