The Legacy Vault
This is the heart of Mortgage Vault, and the reason it exists. Every other app on your phone is built around today. The Legacy Vault is built around the one day you won't be there.
The Legacy Vault is a protected section inside your Mortgage Vault account. Think of it as a safe deposit box that lives inside the vault you already use every day; except you decide who holds a key, what each key opens, and the exact moment it starts working.
Everything you've already put into Mortgage Vault is sitting there: your properties and their deeds, your loans and their payoff letters, your vehicles and their pink slips, your insurance policies and beneficiary designations, your trust documents, your entity filings, your will.
You decide who can open it, how much they see, and when they can open it.
Most families don't struggle because there was nothing left. They struggle because they can't find it.
The deed to the rental. The pink slip for the truck. The life insurance policy nobody knew existed. The trust document sitting in a drawer, in a safe, in a storage unit; somewhere.
You spent a lifetime building it. And when you're gone, the people you love spend months, and thousands of dollars in attorney fees, title searches, and probate costs, trying to reconstruct what you already knew by heart.
Up to 3 users per account, one flat fee
Any Mortgage Vault subscription covers up to 3 total users on the same account: the primary account holder plus 2 additional users. The primary decides what each additional user can see and do. All 3 users are covered under the same $4.95/month subscription; no extra charge for the second or third user.
Up to 10 trusted contacts per user, no extra charge
Any user can add up to 10 named trusted contacts to their Legacy Vault at no additional cost. You control everything about how each contact accesses the Vault:
- When they can access: while you are alive, only after an inactivity trigger, only after a verified event (for example, a death certificate), or on a specific date.
- What they can access: the full Vault, specific accounts only, or specific documents only.
- How they access: with their own secure login; never your password.
- For how long: permanent, time-limited (for example, 30 days after unlock), or revocable at any time.
How the Legacy Vault works
Four steps. You can set the whole thing up in an afternoon.
Not everyone needs to see everything. You choose, person by person.
View-Only
They can see and download, but never change or delete anything.
Who it's for
An adult child who should know what exists.
Category-Limited
They see only the categories you assign; your attorney sees the trust and deeds, your business partner sees only the entity documents, your CPA sees only tax records.
Who it's for
Professionals and partners who need one slice, not all of it.
Sealed Until Needed
They're named now, but the vault stays locked until a release condition is met.
Who it's for
An executor who shouldn't have access while you're healthy.
This is what makes the Legacy Vault different from every password manager and shared folder. You're not just choosing who; you're choosing when.
Immediate
Active right now. For a spouse or co-owner who needs day-to-day visibility.
On Verified Event
Access unlocks only when a death certificate or authorized legal request is submitted and verified. Until that day, they see nothing.
Inactivity Check-In
We check in with you on a schedule you set. If you don't respond, and don't respond to the follow-up notices, access releases automatically to the people you named.
What your family sees on the day it matters
They log in with their own credentials. And instead of a drawer, they see a list: every property, with the deed attached. Every loan, with the current balance and the servicer's contact information. Every vehicle, with the title. Every insurance policy, with the beneficiary already named and the claim number to call. The trust. The will. The entity filings. Your CPA's name.
No hunting. No guessing. No calling banks to ask whether their father had an account. Everything they need, in the order they'll need it, on the worst week of their lives.
Why this beats sharing your password
| Sharing your password | The Legacy Vault |
|---|---|
| One set of credentials, everywhere | Individual credentials for each person |
| All-or-nothing visibility | Granular, role-based permissions |
| Active the moment you share it | Released on your terms and your timing |
| No record of who looked at what | Full audit trail of every access |
| Can't be cleanly revoked | Revoke instantly, any time |
| Anyone can change or delete records | View-only protection on your data |
It's not only about what happens after
The Legacy Vault earns its keep while you're very much here.
Refinancing or applying for credit?
Your full asset and liability schedule is already built.
Updating your trust?
Your attorney sees current holdings without a single email chain.
Buying or selling property?
Every deed and payoff letter is one search away.
A family member needs to step in temporarily?
Grant limited access for as long as it's needed, then revoke it.
The Legacy Vault is the insurance policy. The daily clarity is the reason you'll actually keep it updated.
The honest summary
You will almost certainly never use the Legacy Vault yourself. That's the point. It's for the people who will be standing in your kitchen, holding a stack of mail, trying to figure out what you owned and what you owed.
Setting it up takes one afternoon. Not setting it up costs your family months.
What this costs versus what it saves
| Mortgage Vault | $4.95 / month; $59.40 a year |
| One late mortgage payment fee | $50 – $150 |
| One lapsed insurance policy | Potentially everything |
| Probate and attorney time reconstructing an estate | $5,000 – $30,000+ |
| Interest saved by one correctly-applied extra payment | Often tens of thousands |
Seven-day free trial. No contract. Cancel anytime.
Who this is for
Mortgage Vault isn't only for people with a mortgage. It's for anyone carrying obligations and owning things worth protecting.
- Homeowners who want to kill their mortgage years early
- Property investors juggling multiple loans, tenants, policies, and tax parcels
- Business owners with entity documents, equipment notes, and lines of credit
- Families with aging parents who need visibility before a crisis, not after
- Anyone with a will or a trust who's never once thought about whether their family could actually find it
Start today
Add your loans. Attach your documents. Name the people who should have Legacy Vault access. It takes an afternoon. It saves your family months.
Open my Legacy VaultDisclosures
Mortgage Vault Corp., doing business as My Mortgage Vault, is a financial organization and tracking service. We do not transfer, hold, process, or disburse funds. All payments are made directly by you to your lender, servicer, or biller. Our role is limited to helping you organize what is owed, reminding you when it is due, and verifying that a payment was completed after you record it. Not all lenders and banks are affiliated with our service, and availability of verification may vary by institution.
Mortgage Vault is not a bank, lender, financial advisor, law firm, or consumer-reporting agency, and does not provide legal, tax, or estate planning advice. The Legacy Vault is a tool for organizing and sharing information. It does not replace a validly executed will, trust, or beneficiary designation. Consult a licensed estate attorney in your state to ensure your estate plan is properly established.
Interest savings figures are illustrative and depend on your loan terms, rate, and payment behavior. Individual results vary.
Mortgage Vault Corp., doing business as My Mortgage Vault · www.mymortgagevault.com