LoanReady 4+

LoanReady is a financial digital assistant available to you free through the LenderCity
Martketplace. Our app was designed to help you get mortgage ready and manage your
financial life well beyond the mortgage transaction.

Organize in one place:
Your LoanReady 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:
Work with your financial partner or institution 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.

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 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/