Art of Homeownership

Increasing financial health in communities through successful homeownership. All
at no cost to the consumer. The Art of Homeownership application makes managing your home
and finances at a high level easy. Whether you are seeking personal financial education, tools to
manage your home, or tools to become a homeowner, we can help.

Main Features:
Centralized Organization. Your Art of Homeownership dashboard summarizes important
financial information such as: account balances, transactions, net worth, budgeting, credit
score, cash flow analysis, spending analysis, and estimated home value. In addition, it also offers
personal finance articles and videos.

Budgeting Tools. Create a budget and track your spending. Receive alerts if you are off track and
confirmation if you are on track.

Free Credit Score, Report, and Monitoring. Your real-time credit score is prominently displayed
on your dashboard. Track monthly changes and learn the key factors that make up your score.
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.

Home Management Services. Manage all your home data and maintenance needs in one place.
Track your home’s value and your equity; receive maintenance email reminders and recall
alerts; store documents and photos; and plan projects/renovations.

Moving Services. When you are ready to sell, get the highest price on the sale of your home by
maximizing your home sales value. Use Art of Homeownership to access pre-sale home
renovations, upgrades, repairs, and renovations that will yield the highest profit, ensuring your
home looks its absolute best and sells for the maximum amount possible. When you are ready
to move to your new property, organize and complete all of your moving tasks. Our relocation
technology helps you figure out what to tackle first, keep track of what needs to get done, and
even compare, order, and reserve professional services all in one place.

Financial Education and Support or Wealth Growth and Investing. Work with your financial
partner to best prepare for home ownership by planning for a down payment, establishing
reserves, managing your debt to income ratio, and improving or maintaining your credit score.
You can also run loan scenarios through our calculators, establish your projected loan to value,
and more.

Search for Properties. Looking for your first home? Want to move up, or downsize? Use Art of
Homeownership to search local and nationwide real estate listings. Find homes that match your
budget. See open house schedules, 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 priority 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