Home Academy

Home Academy, is an intuitive app designed to illuminate your financial path to home ownership. Track and improve your credit score, evaluate your mortgage readiness, and gain insightful control over your finances by connecting your accounts for a comprehensive view of your spending and budgeting.


Organize in one place:
Your Home Academy dashboard summarizes important financial information such as: account balances, transactions, net worth, budgeting, credit score, cash flow analysis, estimated home value, and spending analysis, and an information center with personal finance articles and videos, all in one place.


Budgeting:
The first line of defense when attacking the issue of affordability is 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:
We pull back the curtain and show you the easiest way to move up the pricing tiers and unlock the lowest rates. 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 on your score by checking it. Look through your credit report for accuracy. Access helpful articles that explain credit bureaus, credit scores, and more.


Prepare:
Unlock Your Path to Financial Freedom: With Home Academy, we believe everyone deserves a transparent and genuine partner on their journey to homeownership. Embark on a solo mission or collaborate with a Mortgage Advisor 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, establishing 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 account to search local and nationwide real estate listings without having your data sold off to the highest bidder like the other big online platforms. Find homes that match what you can afford without getting spammed by pushy salesmen. 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 Pathfinder Mortgage. 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/