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  • Vault by Empire Home Loans screenshot 1
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About Vault by Empire Home Loans

Looking to achieve your dream of homeownership? Look no further than Empire Vault, the ultimate financial digital assistant. Whether you're just starting your homeownership journey or you're a seasoned homeowner, Empire Vault has everything you need to get mortgage-ready and build your homeownership wealth with confidence.

Here are some of the key features that set Empire Vault 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 Empire Vault today and take control of your financial future.

What’s new

Version 4.22 · Updated August 20, 2026

Homebuying Readiness now shows helpful info on VA funding fees, and Refi Readiness has a new rate feature to help you explore your options. We've also cleaned up a few things behind the scenes — smoother notifications, better account syncing, and some bug fixes along the way.

Alternatives to Vault by Empire Home Loans

Looking for apps like Vault by Empire Home Loans? Here are 6 similar Android apps on Google Play. The highest rated is Handoff Construction Estimator (4.8/5), and all 6 are free to download.

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