Privacy Policy

This website is operated on behalf of William Mocas, a licensed mortgage loan officer (NMLS #1938786) with Xpert Home Lending. References to "we," "us," or "our" in this policy refer to William Mocas and Xpert Home Lending. This policy governs information collected through this website, including the AABOS AI-assisted pre-approval tool at /get-started.

We may collect the following categories of information:

• Contact information: Name, phone number, and email address you voluntarily provide through any form or the AABOS chat interface.
• Financial information: General information about your home buying or refinancing goals, employment type, and credit self-assessment that you share in conversation. We do not collect or store your Social Security Number, full credit report, or bank account details through this website.
• Usage data: Standard web server logs including IP address, browser type, pages visited, and session duration. This data is used for site security and performance only.
• Conversation data: Messages exchanged with the AABOS AI tool are transmitted to our AI provider for response generation and may be retained to improve service quality. No automated credit decisions are made based on AABOS conversations.

Information you provide is used solely to:

• Contact you to discuss your mortgage or home financing goals
• Provide pre-approval guidance and loan program information
• Schedule follow-up calls at times you specify
• Comply with applicable federal and state lending laws

We do not use your information for automated decision-making, scoring, or credit determinations without your explicit consent and involvement of a licensed loan officer.

As a mortgage professional, William Mocas is subject to the Gramm-Leach-Bliley Act. We collect nonpublic personal information only as necessary to provide financial services to you. We do not share your nonpublic personal information with third parties for marketing purposes without your consent. We maintain physical, electronic, and procedural safeguards to protect your information.

By submitting your phone number through this website or the AABOS chat tool, you expressly consent to be contacted by William Mocas and/or Xpert Home Lending at the number provided, including via telephone calls, text messages, and prerecorded messages, for the purpose of discussing your mortgage inquiry. Standard message and data rates may apply. You may opt out at any time by replying STOP to any text message or by contacting us directly.

The AABOS tool is an AI-powered conversation interface designed to gather preliminary information about your home financing situation. It is not a licensed loan officer and does not provide legally binding loan commitments, pre-approval letters, or financial advice. All information gathered by AABOS is reviewed by William Mocas, a licensed human loan officer, before any official action is taken. AABOS conversations are processed through third-party AI infrastructure subject to applicable data processing agreements.

This website uses session-based identifiers to maintain continuity within the AABOS chat tool. We do not use third-party advertising cookies or behavioral tracking networks. Analytics, if used, are limited to aggregate, non-personally-identifiable usage statistics.

Contact information and conversation summaries are retained for a period consistent with applicable mortgage industry regulations and state law, generally no longer than seven (7) years. You may request deletion of your data by contacting us directly, subject to applicable legal retention requirements.

Depending on your state of residence, you may have rights including: access to personal information we hold about you; correction of inaccurate data; deletion of data not required by law; and opt-out of certain data sharing. To exercise any of these rights, contact us at the information below.

William Mocas
Xpert Home Lending, Inc 2179191 · NMLS #1938786
100 Highpoint Park Way, Suite 202, Braselton, GA 30517
Phone: 850-371-1243
Email: william.mocas@xperthomelending.com