Effective Date: March 1, 2026 · Last Updated: October 28, 2026
Summary: The calculator works without an account, and in that mode your inputs stay on your device. If you create an optional account and turn on cloud sync — or if a loan officer shares a blueprint with you — the blueprint data you enter is stored encrypted in our database so it can sync across your devices and be collaborated on. We never sell your data, and you can export or delete your cloud data at any time.
Mortgage Blueprint ("the App") is a mortgage calculator and educational tool developed by Chris Granger, a licensed mortgage broker (NMLS #952015) operating under Xpert Home Lending, Inc. (NMLS #2179191). This Privacy Policy explains how the App handles your information across our web application (blueprint.realstack.app) and mobile applications (iOS and Android).
Loan scenario inputs, property details, and financial profile details (purchase price, down payment, interest rate, income, debts, FICO score, assets) are processed on your device and saved in your browser's local storage. In this mode, this data is not transmitted to or stored on our servers, and it is deleted when you clear your browser data or uninstall the App. One exception: when you enter a ZIP code, the App sends that ZIP code (and the matching city name) to our server to show a few homes for sale nearby, and loads their listing photos from the listing provider (e.g. Zillow's image servers). Nothing else from your scenario is included.
If you create an account (via email sign-in link or Google) and turn on cloud sync, the blueprints you choose to upload are stored in our database (hosted by Supabase) so they stay backed up and sync across your devices. You choose what uploads — nothing is uploaded silently. You can turn sync off, export everything as a file, or permanently delete your account and all cloud data at any time from Account settings in the App.
If your loan officer shares a pre-filled blueprint with you via a secure link, that blueprint (and the edits you both make) is stored in our database so you can collaborate in real time. Access requires signing in, and access controls limit each blueprint to you and your loan officer.
Mortgage Blueprint's calculators can be used from an AI chat app such as ChatGPT or Claude. When you ask for an estimate there, the chat app sends the figures you gave it (for example income, monthly debts, cash for a down payment, the interest rate you provided, the home price, and the state) to our server, which calculates the result and sends it back. The calculators do not store these figures. As with any web request, our hosting provider may log the request (see Vercel below).
If you ask the chat to open your scenario in Mortgage Blueprint, we save a link record so the link can open your numbers in the App. That record holds property and loan figures only (home price, down payment, interest rate, term, loan type, state, and optionally city, ZIP, HOA dues, rent-vs-buy assumptions, or the rate options you compared). It never includes your income or debts. It also records which chat app created it, when the link was created and opened, and a one-way hashed form of the network address that created it (used only to limit abuse; we never store the address itself). The link stops working after 30 days. Once you open it, the scenario is saved on your device like any other local scenario.
Your conversation itself is handled by the chat provider under its own privacy policy (OpenAI, Anthropic). We do not receive your conversation history, only the figures the chat app sends to the calculator.
| Category | Examples | Purpose |
|---|---|---|
| Identifiers | Name, email address | Sign-in, account management, share access |
| Financial scenario data | Purchase price, down payment, rate, income, debts, assets, credit score | Saving and syncing your blueprints; collaboration with your loan officer |
| Usage records | Sign-in timestamps, edit history on shared blueprints | Security, undo/version history, loan officer collaboration |
We do not collect: Social Security numbers, dates of birth, government-issued IDs, bank account or credit card numbers, credit reports, GPS location, or your contacts, photos, or files. Please do not enter this information anywhere in the App.
The App connects to the following external services. These connections transmit only the minimum information needed to fulfill the request:
Stores account and cloud-synced blueprint data and processes sign-ins. Privacy policy: supabase.com/privacy.
The App loads Google's sign-in script on each visit so the "Continue with Google" button is ready; Google may set a cookie (such as g_state) that remembers sign-in prompt preferences. If you choose "Continue with Google," Google shares your name, email address, and profile photo with us to create your account. Privacy policy: policies.google.com/privacy.
Loan officers on our team may optionally connect their Gmail account so the App can send loan summary emails from their own address and read mortgage-related messages they choose to view inside the App. If granted, the App requests the Google scopes gmail.send and gmail.readonly. Our use of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements: Gmail data is used only to provide these user-facing features, is never used for advertising, and is never sold or transferred to third parties. Gmail access tokens are stored only on your device and can be revoked at any time at myaccount.google.com/permissions. Borrower accounts are never asked for Gmail access.
Delivers sign-in links and notification emails to the address you provide. Privacy policy: resend.com/legal/privacy-policy.
Used to display current mortgage interest rates: daily national averages from Mortgage News Daily, with the Federal Reserve Economic Data (FRED) weekly survey as a fallback. Our server fetches these; no personal information is included in the request. FRED's privacy policy is available at fred.stlouisfed.org/legal.
Used by the PricePoint feature, and by the "for sale near you" card in Mortgage Blueprint once you enter a ZIP code, to display real estate listings. Listing photos load directly from the listing provider's image servers. The App sends zip code queries to retrieve public listing data. No personal information is included. RapidAPI's privacy policy is available at rapidapi.com/privacy.
The App is hosted on Vercel. Vercel may collect standard server logs including IP addresses, browser type, and access timestamps as part of normal web hosting operations. Vercel's privacy policy is available at vercel.com/legal/privacy-policy.
The App does not use advertising trackers, ad pixels, or cross-site tracking scripts. We do not use Google Analytics, Facebook Pixel, or similar services. The App itself sets no cookies; Google's sign-in script may set its own (see Google Sign-In above). Local storage on your device is used for your calculator data, your sign-in session, and (for loan officers who connect Gmail) a short-lived Gmail access token.
We do not sell, rent, lease, or share your personal information with any third party for their own use. Period.
The App does not participate in data broker networks, lead generation services, or advertising networks. Your blueprints are visible only to you and — for blueprints created or shared by your loan officer, or copied to him when you tap "Get Pre-Approved" (below) — that loan officer.
If you are signed in to your own account and tap a "Get Pre-Approved" button, you are asking to work with our loan officer, Chris Granger, and the App lets him know: your name and email address are added to his client list as a lead (or, if he already has a client record with your email address, that record is marked as a new lead), and if that record doesn't already have a scenario on it, a copy of your most recently saved cloud blueprint is attached so he can follow up with you. These become loan officer records (see Section 8).
The button also opens Xpert Home Lending's online loan application in a new window. That application is a separate site (my1003app.com) with its own terms and privacy policy; anything you enter there is governed by those, not by this policy. If you are not signed in, or you are viewing a blueprint your loan officer shared with you, tapping the button only opens the application — nothing is sent to the loan officer.
Depending on where you live (including under the California Consumer Privacy Act), you may have the right to know, access, correct, export, and delete the personal information we hold about you, and to not be discriminated against for exercising these rights. The App provides self-service export (Account → Export my data) and deletion (Account → Delete my account). For anything else, contact us using the information below — we respond within 30 days.
The App is a financial calculator intended for adults, and you must be 18 or older to use it. We do not knowingly collect information from anyone under 18, and never from children under 13. If you believe a minor has provided information through the App, please contact us and we will delete it promptly.
We may update this Privacy Policy from time to time. Changes will be reflected by updating the "Last Updated" date at the top of this page. If we make material changes to how we handle personal information, we will provide notice within the App. The July 2026 update describes the introduction of optional accounts and cloud sync. The October 2026 update describes what is shared with your loan officer when you tap "Get Pre-Approved."
Mortgage Blueprint
Developed by Chris Granger
Licensed Mortgage Broker · NMLS #952015
Xpert Home Lending, Inc. · NMLS #2179191