Lock and Key

Lock & Key is your own private tool for you to plan to get approved for a Mortgage Loan then look for Real Estate. Compliments of MegaStar Financial, this tool provides calculators and simulators so you can obtain the information you need before going through the process of applying for a loan. The purpose of this app is to help you get mortgage ready and manage your financial life. This tool puts you in full control. You lock your confidential information and only you turn the key when you are ready to take the next step.

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/

Free Soft-Pull 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 on 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 the APP to prepare yourself 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 the app to see a snapshot of your credit overview, debt-to-income ratio, cash reserves, employment, down payment and sales price.

Share:
When you are ready to move forward with a financial transaction, you choose what accounts to share with Megastar Financial. All data is always encrypted and no data will be shared until you decide to share it. A Licensed MegaStar Loan Officer will be ready to assist with your application and answer any questions. If you need a real estate agent, we can make a recommendation to a tenured high service agent.

Search Properties:
Looking for your first home? Want to move up, or downsize? Use our app 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.

Recent changes:
We are excited to unveil major performance improvements in our latest version! Faster loading speeds all around.

We introduce our new Financial Insights, for a clearer view on your Net Worth, Debt-to-Income Ratio, and other finances you need to track for homeownership.

You will also see an updated Menu that is both faster and a clearer view of all your tools, and updated navigation through our Credit sections.

As for bugs...we removed a ton of them!