FinLocker

?? “You can’t just rely on the point of sale—you have to get to the point of thought.” What separates the best loan officers from the rest? It’s not just about closing deals—it’s about building trust before the transaction even begins. On the latest episode of The Culture Matters Podcast hosted by Jay Doran, Brian Vieaux breaks down why mortgage professionals must shift from transactional thinking to relationship-driven strategies. Brian explains: ?? How to win at the point of thought—not just the point of sale ?? Why the best loan officers act as educators first ?? The power of giving more to build lasting relationships ?? How successful LOs are using fintech tools and social media strategies to improve their client relationships This episode is packed with insights for mortgage pros, entrepreneurs, and anyone who values culture-driven business growth. ?? Listen now & share with team members who need to hear this! ?? https://hubs.ly/Q03dvRFM0 #Leadership #MortgageIndustry #Fintech #SalesStrategy #CultureMatters #RelationshipsOverTransactions #LoanOfficers #Podcast

How Edge Home Finance Corporation Guides More Buyers to Homeownership Success Since launching the FinLocker-powered Edge Loan Advisor in January, Edge Home Finance LOs have gained valuable insights into the homeownership readiness of consumers in their pipeline. These insights enable LOs to provide personalized guidance and proactively assist consumers at every stage of their homeownership journey: ? 46% are Early Journey Homebuyers – These consumers are just starting their path to homeownership and will receive tailored guidance to build financial readiness and prepare for a mortgage. ? 21% are Existing Homeowners – They will be supported to optimize their homeownership experience, grow their household wealth, and explore potential refinancing or investment opportunities. ? 15% have Initiated their Homeownership Journey – These consumers will be guided to improve their financial profile, understand mortgage qualification requirements, and navigate the home search process. ? 5% are Financially Prepared for Pre-approval – They are ready to begin actively shopping for homes within their budget using the AI property search in their Edge Loan Advisor app, and LOs know they are ready to get pre-approved to confidently start their home search. ? 4% face Financial Challenges – These consumers will receive strategic guidance to identify and overcome financial barriers preventing them from achieving mortgage eligibility. Additionally, many consumers have credit scores below basic mortgage eligibility guidelines. Through Edge Loan Advisor, they will receive proactive credit-building support, including tools and resources to monitor, manage, and improve their credit, increasing their confidence to qualify for a mortgage. With FinLocker’s real-time data-driven insights and financial empowerment tools, LOs can identify mortgage-ready consumers and know when to reach out with personalized guidance, helping more individuals in their pipeline achieve homeownership. Do you have these insights on the individuals in your pipeline? Contact Adrian Hernandez or Brian Vieaux to see all the insights and notifications a FinLocker-powered app can provide your team. #WednesdayWisdom #MortgageTechnology #LoanOfficers #MortgageLenders #LeadNurturing #FirstTimeHomebuyers #Homeownership

Turn data into deals with insights into your borrower pipeline ?? Your borrowers aren’t just numbers—they have goals, challenges, and timelines. FinLocker gives loan originators: ?? A snapshot of their entire consumer pipeline ?? Real-time segmentation by homeownership objectives, goals & persona (First-time buyer? Not ready yet? We’ve got you.) ?? Notifications of credit score changes (Know exactly when to follow up!) ?? Real-time readiness assessment scoring (results of an affordability calculator on steroids that helps consumers fine-tune their buying power and know their mortgage eligibility) This is next-level pipeline intelligence. ?? Watch the full demo ?? https://hubs.ly/Q03dkDz_0 Connect with Adrian Hernandez to empower your team and consumers. #MortgageTechnology #LeadConversion #LeadNurturing #LoanOfficers #PipelineVisibility #Homeownership

Build your pipeline by attracting first-time homebuyers with credit education. ?? It’s easier than ever for aspiring homebuyers to obtain their credit score, yet many lack the knowledge and tools to improve their score. In this week’s Rethink Everything newsletter, Brian Vieaux provides a variety of social media posts that loan originators can use to attract and educate first-time homebuyers for the remainder of Credit Education Month. Subscribe to the newsletter ?? https://hubs.ly/Q03db3B80 #MondayMotivation #RethinkEverything #LoanOriginators #CreditEducationMonth #CreditScore #FinancialEducation #LeadWithFinancialEducation #MortgageMarketing #FirstTimeHomebuyers

Mortgage Loan Officers in South Florida – This is for YOU! The Mortgage Bankers Association of Florida LO Summit is your opportunity to learn from the best, network with top producers, and gain strategies that help them scale their business and propel them to the top! Keynote Speakers: ?? Brian Vieaux – President & COO of FinLocker will reveal how fintech & digital tools are transforming mortgage lending. ?? Amir Syed – $1B+ funded loan officer & industry coach will share the sales & mindset strategies that top producers use to win. Learn: ?? Proven lead generation & referral strategies from top-producing MLOs ?? How AI & fintech are reshaping mortgage lending ?? Actionable business growth tactics you can apply the next day Where: Pembroke Lakes Golf Club, Pembroke Pines, FL When: Wednesday, April 2nd (Half-Day Event) Secure yours seat today ?? https://hubs.ly/Q03d7L0h0 Book a meeting with Brian Vieaux ?? https://hubs.ly/Q03d7B1R0 #MondayMotivation #MortgageSuccess #MBAFLOSummit #MLOGrowth #MortgageNetworking #MortgageMarketing #MortgageAI #FintechLending

Has the future of loan processing arrived? Watch this #podcast to find out! In this new Fintech Fridays podcast, Brian Vieaux speaks with Michael Vandi, the visionary Founder & CEO of Addy AI, on his journey from Sierra Leone to becoming a problem-solving innovator in the U.S. mortgage industry. Michael shares how Addy AI started as an email assistant and evolved into a fully automated AI loan processor, addressing originating costs and key bottlenecks in the mortgage process. The conversation explores the role of AI in enhancing borrower communication, the efficiency of loan processing, and the importance of pre-and post-loan communication in retaining clients. Michael emphasizes the need for innovation in the mortgage industry and the promising advancements AI can provide. Watch the podcast ?? https://hubs.ly/Q03cVsSz0 #MortgageTechnology #AI #AIinnovation #MortgageInnovation #LoanProcessing #LoanUnderwriting #LoanOriginators #TheFutureIsNow

On the Last Word presented by Chrisman Commentary, Brian Vieaux, Christy Soukhamneut, Kevin Peranio, and Courtney Thompson will discuss the recent changes to the GSE Boards and Bill Pulte’s role as Chair of both Fannie and Freddie. They’ll explore the potential impact of these leadership shifts on the housing market and the broader economy. Plus, insights from the recent FED meeting, including the outlook for interest rates and the economic trends shaping the mortgage landscape. Tune in for an in-depth analysis of these key topics and what they mean for the future of the industry on Friday, March 21 at 1pm EST. Register to watch live or later ?? https://hubs.ly/Q03cK7gj0 #MarketTrends #MortgageNews #MortgageMarket #MortgageIndustry #MortgageTrends #MortgageLenders #LoanOfficers #HousingTrends #RealEstateNews #RealEstateTrends/

How are you staying engaged with not-yet-ready homebuyers? Do you? ? Send them a generic email campaign and hope they open your emails and remember you when the time comes to buy a home? ?? Stay meaningfully engaged with a financial app that guides them to homeownership and keeps you top-of-mind for the months or years it could take them to be financially and emotionally ready to buy a home? FinLocker prepares first-time homebuyers to confidently make the biggest financial decision of their lives. Join Brian Vieaux TODAY at 2 pm EST to see how we can help you reach, assist, nurture and ultimately convert more homebuyers. ?? https://hubs.ly/Q03cv8mS0 The recording is available at the same link if you miss the live demo.

The feedback on our verification cost announcement has been overwhelming. But the most common question from leaders in our industry: "How does this actually work for my organization?" Let me break it down simply: When you partner with FinLocker, you get a white-labeled Financial Fitness & Homeownership app for your consumers that: 1. Helps them prepare for homeownership with budgeting tools, credit monitoring, and automated guidance - a dynamic mortgage readiness journey 2. Securely connects to their financial accounts at 18,000+ institutions 3. Creates verified income and employment records that are ready when they apply 4. Eliminates the need for you to pay third-party verification providers 5. Reference IDs will be provided for use with DU and LP Your organization benefits in three ways: First, process efficiency. In a traditional workflow, consumers must manually connect their accounts after applying with you. With FinLocker, consumers arrive with everything already verified - their data and reference numbers flow directly to you. No need to walk them through complex verification steps - it's already done. Second, competitive advantage. Offering a no-cost verification experience is a powerful differentiation in a tight market. Third, higher conversion rates. Consumers who've already verified their information through your branded app are significantly more likely to close with you. Organizations we've worked with have seen: ? Reduction in time-to-close ? Improvement in pull-through rates ? Decrease in overall origination costs Legacy providers have dominated the verification space for years, but as consumer expectations evolve, our industry needs fresh approaches. The verification landscape is changing rapidly, and we're proud to be at the forefront of this transformation. This isn't just about verification—it's about reimagining the entire homebuying journey. And the organizations that move first will have the advantage. What verification costs have you seen in your organization? I'd love to hear your perspective.

Can you afford to overlook potential loans by disregarding aspiring homebuyers whose mortgage applications have been denied? With fewer homebuyers willing to plunge into today's housing market, it's crucial to continue nurturing these high-intent customers to achieve their homeownership dreams. When you provide turned-down applicants with a FinLocker app, you're not just offering hope - you're providing a personalized journey to homeownership and a pathway back to resubmitting a stronger mortgage application. Through the FinLocker platform, prospective borrowers receive financial tools and guidance on improving their credit score, paying off debt and saving for their down payment, elevating their mortgage eligibility. The Homeownership Snapshot enables consumers to track their progress and provides a personalized action plan to overcome their financial challenges while you, as their trusted mortgage advisor, are notified of their actions and progress, such as improving their credit score and checking their mortgage readiness. See how FinLocker converts turned-down applicants into successful homeowners. Join Brian Vieaux for a live demo tomorrow at 2 pm EST ?? https://hubs.ly/Q03cvvmn0 #WednesdayWisdom #MortgageMarketing #MortgageTechnology #FinancialEducation #FirstTimeHomebuyers #Homeownership #KnowledgeIsPower