export default function HomePage({ branding, navigate, onContactSubmit }) { const [mobileMenuOpen, setMobileMenuOpen] = useState(false); const [programsOpen, setProgramsOpen] = useState(false); const [homeSearchOpen, setHomeSearchOpen] = useState(false); const [loanAmount, setLoanAmount] = useState('400000'); const [interestRate, setInterestRate] = useState('6.125'); const [loanTerm, setLoanTerm] = useState('30'); const [isLoaded, setIsLoaded] = useState(false); useEffect(() => { const t = setTimeout(() => setIsLoaded(true), 100); return () => clearTimeout(t); }, []); const pc = branding.primaryColor || '#171d38'; const sc = branding.secondaryColor && branding.secondaryColor !== '#ffffff' ? branding.secondaryColor : '#003297'; const formatLoanAmount = (v) => { const n = v.replace(/\D/g, ''); return n ? parseInt(n).toLocaleString() : ''; }; const calcPayment = () => { const p = parseFloat(loanAmount.replace(/,/g, '')); const r = parseFloat(interestRate) / 100 / 12; const n = parseInt(loanTerm) * 12; const pay = p * (r * Math.pow(1 + r, n)) / (Math.pow(1 + r, n) - 1); return isNaN(pay) ? '0' : pay.toFixed(0); }; const navLinks = [ { label: 'Home', path: '/' }, { label: 'About', path: '/about' }, { label: 'Services', path: '/services' }, { label: 'Contact', path: '/contact' }, { label: 'Blog', path: '/blog' }, ]; const loanPrograms = [{ label: 'FHA Loans', path: '/fha-loans' }, { label: 'VA Loans', path: '/va-loans' }, { label: 'Conventional Loans', path: '/conventional-loans' }, { label: 'USDA Loans', path: '/usda-loans' }, { label: 'Jumbo Loans', path: '/jumbo-loans' }, { label: 'Non-QM Loans', path: '/non-qm-loans' }, { label: 'Investment Properties', path: '/investment-loans' }]; const loanProducts = [ { title: 'Conventional Loans', desc: 'Traditional mortgages with competitive rates for borrowers with good credit. Down payments as low as 3%.', icon: 'M3 12l2-2m0 0l7-7 7 7M5 10v10a1 1 0 001 1h3m10-11l2 2m-2-2v10a1 1 0 01-1 1h-3m-4 0a1 1 0 01-1-1v-4a1 1 0 011-1h2a1 1 0 011 1v4a1 1 0 01-1 1', features: ['Loan amounts up to $766,550', 'No PMI with 20% down', 'Fixed & adjustable rates'], path: '/conventional-loans' }, { title: 'FHA Loans', desc: 'Government-backed loans perfect for first-time buyers with flexible credit requirements.', icon: 'M9 12l2 2 4-4m5.618-4.016A11.955 11.955 0 0112 2.944a11.955 11.955 0 01-8.618 3.04A12.02 12.02 0 003 9c0 5.591 3.824 10.29 9 11.622 5.176-1.332 9-6.03 9-11.622 0-1.042-.133-2.052-.382-3.016', features: ['Down payments as low as 3.5%', 'Credit scores from 580+', 'Gift funds allowed'], path: '/fha-loans' }, { title: 'VA Loans', desc: 'Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service!', icon: 'M5 3v4M3 5h4M6 17v4m-2-2h4m5-16l2.286 6.857L21 12l-5.714 2.143L13 21l-2.286-6.857L5 12l5.714-2.143L13 3z', features: ['$0 down payment required', 'No mortgage insurance', 'Competitive interest rates'], path: '/va-loans' }, { title: 'USDA Loans', desc: 'Zero down payment loans for eligible rural and suburban homebuyers. Great for first-time buyers!', icon: 'M3.055 11H5a2 2 0 012 2v1a2 2 0 002 2 2 2 0 012 2v2.945M8 3.935V5.5A2.5 2.5 0 0010.5 8h.5a2 2 0 012 2 2 2 0 104 0 2 2 0 012-2h1.064M15 20.488V18a2 2 0 012-2h3.064M21 12a9 9 0 11-18 0 9 9 0 0118 0z', features: ['100% financing available', 'Low mortgage insurance', 'Flexible credit guidelines'], path: '/usda-loans' }, { title: 'Jumbo Loans', desc: 'Financing for luxury properties and high-value homes that exceed conventional loan limits.', icon: 'M13 7h8m0 0v8m0-8l-8 8-4-4-6 6', features: ['Loan amounts up to $3 million', 'Competitive jumbo rates', 'Flexible down payment options'], path: '/jumbo-loans' }, { title: 'Refinancing', desc: 'Lower your rate, reduce your payment, or tap into your equity with our refinance options.', icon: 'M12 8c-1.657 0-3 .895-3 2s1.343 2 3 2 3 .895 3 2-1.343 2-3 2m0-8c1.11 0 2.08.402 2.599 1M12 8V7m0 1v8m0 0v1m0-1c-1.11 0-2.08-.402-2.599-1M21 12a9 9 0 11-18 0 9 9 0 0118 0z', features: ['Rate & term refinancing', 'Cash-out refinancing', 'Streamline options'], path: '/services' }, ]; const steps = [ { num: '1', title: 'Get Pre-Approved', desc: 'Quick online application. Get your approval letter in minutes, not days.' }, { num: '2', title: 'Find Your Home', desc: 'Shop with confidence knowing exactly what you can afford.' }, { num: '3', title: 'Lock Your Rate', desc: 'Secure your rate and upload documents through our secure portal.' }, { num: '4', title: 'Close On Time', desc: 'We will be there every step of the way to a smooth closing.' }, ]; return (

{/* Google tag (gtag.js) */} {/* Skip Navigation */} { e.target.style.position = 'fixed'; e.target.style.width = 'auto'; e.target.style.height = 'auto'; e.target.style.padding = '8px 16px'; e.target.style.margin = '0'; e.target.style.overflow = 'visible'; e.target.style.clip = 'auto'; e.target.style.whiteSpace = 'normal'; }} onBlur={(e) => { e.target.style.position = 'absolute'; e.target.style.width = '1px'; e.target.style.height = '1px'; e.target.style.padding = '0'; e.target.style.margin = '-1px'; e.target.style.overflow = 'hidden'; e.target.style.clip = 'rect(0,0,0,0)'; e.target.style.whiteSpace = 'nowrap'; }}>Skip to main content {/* ── Navigation ── */}

navigate('/')}> {branding.logoUrl ? (

) : ( {branding.company || branding.fullName || 'Mortgage Pro'} )}

{navLinks.slice(0, 2).map((link) => ( ))}

setProgramsOpen(true)} onMouseLeave={() => setProgramsOpen(false)}> {programsOpen && }

{navLinks.slice(2).map((link) => ( ))}

{mobileMenuOpen && (

{navLinks.map((link) => ( ))}

LOAN PROGRAMS

{loanPrograms.map((p) => )}

)}

{/* ── Home Search Iframe (when active) ── */} {homeSearchOpen ? (

{/* Header bar for the iframe view */}

Home Search

{/* Iframe */}

) : ( <> {/* ── Hero Section ── */}

{/* Longs Peak Background Image */}

{/* Gradient overlay for text readability - darker at top, lighter at bottom */}

{/* Decorative elements */}

{/* Left column — copy */}

{/* Logo */} {branding.logoUrl && (

)}

Your Home Loan, Simplified

We shop dozens of lenders so you don't have to. One application, multiple offers, the best rate — guaranteed.

(303) 888-8884

{/* Right column — Calculator Card */}

Payment Calculator

Estimate your monthly mortgage

Loan Amount

$ setLoanAmount(e.target.value.replace(/\D/g, ''))} className="w-full pl-8 pr-4 py-3 rounded-lg text-base sm:text-lg font-medium text-white outline-none" style={{ backgroundColor: 'rgba(255,255,255,0.08)', border: '1px solid rgba(255,255,255,0.12)' }} onFocus={(e) => e.target.style.borderColor = 'rgba(255,255,255,0.4)'} onBlur={(e) => e.target.style.borderColor = 'rgba(255,255,255,0.12)'} />

Rate

setInterestRate(e.target.value.replace(/[^\d.]/g, ''))} className="w-full pr-8 pl-4 py-3 rounded-lg text-base sm:text-lg font-medium text-white outline-none" style={{ backgroundColor: 'rgba(255,255,255,0.08)', border: '1px solid rgba(255,255,255,0.12)' }} onFocus={(e) => e.target.style.borderColor = 'rgba(255,255,255,0.4)'} onBlur={(e) => e.target.style.borderColor = 'rgba(255,255,255,0.12)'} /> %

Term

Estimated Monthly Payment

${parseFloat(calcPayment()).toLocaleString()}

Principal & Interest Only

{/* Curved bottom edge */}

{/* ── Loan Products Grid ── */}

Find Your Perfect Loan

Whether you are buying your first home or your fifth, we have the right mortgage solution for you

{loanProducts.map((loan) => (

e.currentTarget.style.borderColor = pc} onMouseLeave={(e) => e.currentTarget.style.borderColor = '#e5e7eb'} onClick={() => navigate(loan.path || '/services')}>

{loan.title}

{loan.desc}

Learn More

))}

{/* ── Process Section ── */}

Fast, Simple, Transparent

Our streamlined process gets you from application to keys in hand faster than traditional lenders

{steps.map((step) => (

{step.num}

{step.title}

{step.desc}

))}

{/* ── Why Choose Us ── */}

Why Homebuyers Choose {branding.fullName?.split(' ')[0] || 'Us'}

{branding.fullName ? `${branding.fullName} is` : 'We are'} not just another mortgage company. {branding.fullName ? `${branding.fullName.split(' ')[0]} is` : 'We are'} committed to making homeownership accessible and stress-free.

{[ { title: 'Lightning Fast Closings', desc: 'Your dream home will not wait, and neither should you.', icon: 'M12 8v4l3 3m6-3a9 9 0 11-18 0 9 9 0 0118 0z', gradient: 'linear-gradient(135deg, #174e77 0%, #c40816 100%)' }, { title: 'Local Expert', desc: `${branding.fullName || 'We'} know${branding.fullName ? 's' : ''} the market, every trend, and every opportunity to save you money.`, icon: 'M17 20h5v-2a3 3 0 00-5.356-1.857M17 20H7m10 0v-2c0-.656-.126-1.283-.356-1.857M7 20H2v-2a3 3 0 015.356-1.857M7 20v-2c0-.656.126-1.283.356-1.857m0 0a5.002 5.002 0 019.288 0M15 7a3 3 0 11-6 0 3 3 0 016 0zm6 3a2 2 0 11-4 0 2 2 0 014 0zM7 10a2 2 0 11-4 0 2 2 0 014 0z', gradient: 'linear-gradient(135deg, #c40816 0%, #f59e0b 100%)' }, { title: 'No Surprises Policy', desc: 'What we quote is what you get. No hidden fees, no last-minute changes.', icon: 'M9 12l2 2 4-4m5.618-4.016A11.955 11.955 0 0112 2.944a11.955 11.955 0 01-8.618 3.04A12.02 12.02 0 003 9c0 5.591 3.824 10.29 9 11.622 5.176-1.332 9-6.03 9-11.622 0-1.042-.133-2.052-.382-3.016', gradient: 'linear-gradient(135deg, #f59e0b 0%, #174e77 100%)' }, ].map((item) => (

{item.title}

{item.desc}

))}

{/* Testimonial Card */}

Client Review

{[1,2,3,4,5].map((s) => ( ))}

Working with {branding.fullName?.split(' ')[0] || 'this team'} was amazing from start to finish! The personal approach made the entire process seamless. Highly recommend!

Happy Homeowner

Home Purchase

{/* ── Client Reviews / Testimonials ── */}

{/* Section Header */}

Reviews from Google

What Our Clients Say

Real stories from homeowners who trusted {branding.fullName?.split(' ')[0] || 'us'} with their most important financial decision.

{/* Overall Rating */}

{[1,2,3,4,5].map((s) => ( ))}

5.0 Average Rating

{/* Testimonials Grid */}

{/* Review Card 1 */}

{[1,2,3,4,5].map((s) => ( ))}

"Mike made the entire home buying process so smooth and stress-free. His knowledge of the Colorado market is unmatched, and he found us an incredible rate that saved us thousands over the life of the loan."

Jennifer T.

First-time Homebuyer · Boulder, CO

{/* Review Card 2 */}

{[1,2,3,4,5].map((s) => ( ))}

"As a veteran, I was overwhelmed by the VA loan options. {branding.fullName?.split(' ')[0] || 'The team'} explained everything clearly and got us closed in just 21 days. Exceptional service!"

Michael R.

VA Loan · Fort Collins, CO

{/* Review Card 3 */}

{[1,2,3,4,5].map((s) => ( ))}

"We refinanced with Longs Peak Lending and couldn't be happier. They secured a rate that was 1.5% lower than our previous mortgage. The process was fast and communication was excellent throughout."

Sarah & Kevin M.

Refinance · Loveland, CO

{/* Review Card 4 */}

{[1,2,3,4,5].map((s) => ( ))}

"Professional, responsive, and genuinely caring. As first-time homebuyers, we had a million questions and they answered every single one with patience. Would absolutely recommend to anyone in Colorado!"

Amanda D.

First-time Homebuyer · Longmont, CO

{/* Review Card 5 */}

{[1,2,3,4,5].map((s) => ( ))}

"We needed a jumbo loan for our dream home in Estes Park. Other lenders made it complicated, but Longs Peak Lending made it happen seamlessly. Closed on time with no surprises."

Robert L.

Jumbo Loan · Estes Park, CO

{/* Review Card 6 */}

{[1,2,3,4,5].map((s) => ( ))}

"Outstanding service! They shopped multiple lenders for us and found the absolute best rate. The online portal made document uploads super easy. Will definitely use again for our next purchase!"

Tom C.

Conventional Loan · Denver, CO

{/* Trust Badges */}

500+

Happy Homeowners

5.0

Google Rating

Avg. Days to Close

{/* ── CTA Section ── */}

Ready to Make Your Move?

Join thousands of families who found their perfect home with {branding.fullName?.split(' ')[0] || 'our'} help.

(303) 888-8884

)} {/* ── Footer ── */}

); }