Terms of Use

By accessing or using this website, including the AABOS AI pre-approval tool, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website. These terms apply to all visitors, users, and others who access the site.

Nothing on this website, including any information provided by the AABOS AI tool, constitutes a mortgage loan commitment, pre-approval, guarantee of lending terms, or financial advice. All loan applications are subject to full underwriting review, credit approval, property appraisal, and applicable federal and state guidelines. Rates and terms are subject to change without notice. Loan approval is not guaranteed.

The AABOS conversational AI tool is provided as an informational intake service only. You acknowledge and agree that:

• AABOS is not a licensed loan officer, mortgage broker, or financial advisor.
• Responses generated by AABOS are automated and may not reflect current rates, program availability, or your specific eligibility.
• AABOS does not have access to credit bureaus, your financial accounts, or official loan origination systems.
• No legally binding agreement of any kind is formed through your conversation with AABOS.
• You should not rely solely on AABOS responses when making financial decisions. Always consult with a licensed mortgage professional.

William Mocas and Xpert Home Lending are Equal Housing Lenders. We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, disability, age, or any other characteristic protected by applicable federal, state, or local law.

We make reasonable efforts to ensure that information on this website is accurate and current. However, mortgage programs, rates, guidelines, and eligibility requirements change frequently. Information presented on this site may not reflect the most current program terms. Contact William Mocas directly for current, personalized information.

This website may contain links to third-party websites or services that are not owned or controlled by William Mocas or Xpert Home Lending. We have no control over the content, privacy policies, or practices of third-party sites and accept no responsibility for them. We encourage you to review the privacy policy and terms of any third-party site you visit.

All content on this website, including text, graphics, logos, and the AABOS interface design, is the property of WebDesignPros365 and/or William Mocas and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.

To the fullest extent permitted by law, William Mocas, Xpert Home Lending, and their affiliates, agents, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or the AABOS tool, including reliance on any information provided herein. Your sole remedy for dissatisfaction with this website is to stop using it.

You agree to indemnify and hold harmless William Mocas, Xpert Home Lending, WebDesignPros365, and their respective officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of this website, violation of these Terms, or violation of any third-party rights.

These Terms of Use are governed by the laws of the State of Georgia, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Hall County, Georgia.

We reserve the right to update these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Your continued use of the website following any changes constitutes your acceptance of the revised terms.

Questions about these Terms? Contact us at:

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