FinLocker, a personal financial assistant that facilitates loans and financial transactions, is transactional. FinLocker collects consumer data (e.g. income, assets, taxes, credit and real estate) and applies intelligent analytics to make loan product recommendations based upon a consumer's financial profile and income verification. Additional innovative features include preparing first-time homebuyers financially, 140+ videos on mortgage education, and real estate searching. Secure data and document vault. FinLocker uses AI to extract data from trusted sources. Lenders can communicate directly with consumers to offer personalized recommendations, products, and customized notifications. Borrowers have unprecedented access to and control over their data which gives them more confidence.