export default function HomePage({ branding, navigate, onContactSubmit }) { const [mobileMenuOpen, setMobileMenuOpen] = useState(false); const [programsOpen, setProgramsOpen] = useState(false); const [loanAmount, setLoanAmount] = useState('400000'); const [interestRate, setInterestRate] = useState('5.99'); const [loanTerm, setLoanTerm] = useState('30'); const [isLoaded, setIsLoaded] = useState(false); // Loan Estimate Analyzer State const [leStep, setLeStep] = useState(1); const [leForm, setLeForm] = useState({ name: '', email: '', phone: '', creditScore: '' }); const [leFile, setLeFile] = useState(null); const [leFileName, setLeFileName] = useState(''); const [leDragging, setLeDragging] = useState(false); const [leStatus, setLeStatus] = useState('idle'); const [leError, setLeError] = useState(''); const [leStepError, setLeStepError] = useState(''); const fileInputRef = useRef(null); 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: 'Contact', path: '/contact' }, { label: 'Rates', path: '/rates' }, { label: 'Agent Tools', path: '/agent-tools' }, { label: 'Blog', path: '/blog' }, ]; const loanPrograms = [{ label: 'Conventional Loans', path: '/conventional-loans' }, { label: 'FHA Loans', path: '/fha-loans' }, { label: 'VA Loans', path: '/va-loans' }, { label: 'USDA Loans', path: '/usda-loans' }, { label: 'Jumbo Loans', path: '/jumbo-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: '/contact' }, ]; 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 (

{/* 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 {/* Nav */}

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

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

Apply Now

{mobileMenuOpen && }

{/* ── Hero Section ── */}

{/* Background decorative elements */}

{/* Left column — copy */}

Want to Learn How to Save $1,000's?

Low Rates, Transparency, & No Hassle!

Retail banks have massive overhead—billions in advertising and corporate offices—and they bake those costs into your interest rate.

I operate differently. As a wholesale broker, I provide exclusive access to institutional lenders that are closed to the general public. By bypassing the "retail markup" and bloated corporate expenses, I pass those institutional savings directly to you.

(262) 300-5550

{branding.nmls && ( NMLS# {branding.nmls} )} {branding.companyNmls && ( Company NMLS# {branding.companyNmls} )} Lincensed in Wisconsin & Florida

{/* 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 outline-none" style={{ backgroundColor: '#ffffff', color: '#1a1a2e', border: '2px solid #cd8e32' }} />

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 outline-none" style={{ backgroundColor: '#ffffff', color: '#1a1a2e', border: '2px solid #cd8e32' }} /> %

Term

Estimated Monthly Payment

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

Principal & Interest Only

Full Mortgage Calculator

{/* Curved bottom edge */}

{/* ── Loan Products Grid ── */}

Find Your Perfect Loan

Whether you are buying your first home or your fifth,
I 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 || '/contact')} role="link" tabIndex={0} onKeyDown={(e) => { if (e.key === 'Enter' || e.key === ' ') { e.preventDefault(); navigate(loan.path || '/services'); } }}>

{loan.title}

{loan.desc}

Learn More

))}

{/* ── Process Section ── */}

Low Rates, Transparency, & No Hassle

{steps.map((step, index) => (

{step.num}

{step.title}

{step.desc}

))}

{/* ── About Me Section ── */}

I'm Rob and I'm Here to Help

You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate.

I've got great news... I'm here to solve that all for you.

Whether you need a mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help.

I look forward to hearing from you.

What My Clients Are Saying

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

{/* Scrolling Reviews Carousel */}

{/* Review 1 */}

Jennifer S.

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

"Rob made the entire process so smooth! As a first-time homebuyer, I was nervous but he walked me through everything. Got a great rate too!"

{/* Review 2 */}

Michael R.

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

"Closed on time with no issues. Rob was responsive and transparent throughout. Highly recommend for anyone looking to refinance!"

{/* Review 3 */}

Amanda T.

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

"Best mortgage experience I've ever had. Saved thousands compared to my bank's offer. Rob really knows his stuff!"

{/* Review 4 */}

David K.

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

"Professional, knowledgeable, and genuinely cares about his clients. The VA loan process was seamless thanks to Rob!"

{/* Review 5 */}

Sarah L.

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

"Quick pre-approval and amazing communication. Rob answered all my questions even on weekends. 10/10 would recommend!"

{/* Duplicate reviews for seamless loop */} {/* Review 1 Duplicate */}

Jennifer S.

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

"Rob made the entire process so smooth! As a first-time homebuyer, I was nervous but he walked me through everything. Got a great rate too!"

{/* Review 2 Duplicate */}

Michael R.

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

"Closed on time with no issues. Rob was responsive and transparent throughout. Highly recommend for anyone looking to refinance!"

{/* Review 3 Duplicate */}

Amanda T.

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

"Best mortgage experience I've ever had. Saved thousands compared to my bank's offer. Rob really knows his stuff!"

{/* Review 4 Duplicate */}

David K.

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

"Professional, knowledgeable, and genuinely cares about his clients. The VA loan process was seamless thanks to Rob!"

{/* Review 5 Duplicate */}

Sarah L.

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

"Quick pre-approval and amazing communication. Rob answered all my questions even on weekends. 10/10 would recommend!"

See All Reviews on Google

{/* ── What I Do ── */}

What I Do?

Competitive Rates

I will work with you to find the right program with a great rate and a transparent process so you can rest easy.

Close Your Loan On Time

Not all lenders can close quickly or on time. I will work closely with you through the process to meet all deadlines and make sure that your loan closes on time.

{/* ── FAQ Section ── */}

Questions? I've Got Them Covered

How do I get pre-approved for a mortgage?

To get pre-approved, complete our online application by providing your financial information. We'll review your details and issue a pre-approval letter if you qualify.

What is the minimum down payment required?

The minimum down payment varies by loan type. For example, conventional loans may require as little as 3% down, while FHA loans require a minimum of 3.5%. VA and USDA loans may offer options with no down payment for eligible borrowers.

How is my mortgage interest rate determined?

Interest rates are influenced by factors such as your credit score, loan type, loan term, and current market conditions. A higher credit score and a larger down payment can often secure a more favorable rate.

What are closing costs, and how much should I expect to pay?

Closing costs include fees for the loan origination, appraisal, title search, and other related services. They typically range from 2% to 5% of the loan amount. We'll provide a detailed estimate during the application process.

{/* ── CTA Section ── */}

See If You Qualify In Less Than 60 Seconds

Low rates, transparency, and no hassle. Find out what you qualify for now.

(262) 300-5550

{/* ── Loan Estimate Analyzer Section ── */}

See How Much You Could Save

Upload your Loan Estimate and we will analyze it for potential savings on your mortgage.

Ready to find out if you could save on your mortgage?

{/* ── Footer ── */} {/* ── Loan Estimate Analyzer Section ── */}

); } function LEASection({ branding }) { const [leStep, setLeStep] = useState(1); const [leForm, setLeForm] = useState({ name: '', email: '', phone: '', creditScore: '' }); const [leFile, setLeFile] = useState(null); const [leFileName, setLeFileName] = useState(''); const [leDragging, setLeDragging] = useState(false); const [leStatus, setLeStatus] = useState('idle'); const [leError, setLeError] = useState(''); const [leStepError, setLeStepError] = useState(''); const fileInputRef = useRef(null); const leSteps = ['Your Information', 'Loan Details', 'Review & Submit']; const formatPhone = (value) => { const digits = value.replace(/\D/g, '').slice(0, 10); if (digits.length === 0) return ''; if (digits.length <= 3) return '(' + digits; if (digits.length <= 6) return '(' + digits.slice(0, 3) + ') ' + digits.slice(3); return '(' + digits.slice(0, 3) + ') ' + digits.slice(3, 6) + '-' + digits.slice(6); }; const handleLeDrop = (e) => { e.preventDefault(); e.stopPropagation(); setLeDragging(false); const file = e.dataTransfer?.files?.[0]; if (file) { if (file.type !== 'application/pdf' && !file.name?.toLowerCase().endsWith('.pdf')) { setLeStepError('Please upload a PDF file.'); return; } if (file.size > 10 * 1024 * 1024) { setLeStepError('File must be under 10MB.'); return; } setLeFile(file); setLeFileName(file.name); setLeStepError(''); } }; const handleLeFileSelect = (e) => { const file = e.target?.files?.[0]; if (file) { if (file.type !== 'application/pdf' && !file.name?.toLowerCase().endsWith('.pdf')) { setLeStepError('Please upload a PDF file.'); return; } if (file.size > 10 * 1024 * 1024) { setLeStepError('File must be under 10MB.'); return; } setLeFile(file); setLeFileName(file.name); setLeStepError(''); } }; const validateStep = (step) => { if (step === 1) { if (!leForm.name.trim()) { setLeStepError('Please enter your full name.'); return false; } if (!leForm.email.trim()) { setLeStepError('Please enter your email address.'); return false; } if (!/^[^\s@]+@[^\s@]+\.[^\s@]+$/.test(leForm.email.trim())) { setLeStepError('Please enter a valid email address.'); return false; } if (!leForm.phone.trim()) { setLeStepError('Please enter your phone number.'); return false; } } if (step === 2) { if (!leFile) { setLeStepError('Please upload your Loan Estimate PDF.'); return false; } } setLeStepError(''); return true; }; const goNext = () => { if (validateStep(leStep)) setLeStep(leStep + 1); }; const goBack = () => { setLeStepError(''); setLeStep(leStep - 1); }; const handleLeSubmit = async () => { setLeStatus('uploading'); setLeError(''); try { const fd = new FormData(); fd.append('websiteId', '656a0882-c10c-47a5-a76a-08fe6fb00b2a'); fd.append('name', leForm.name.trim()); fd.append('email', leForm.email.trim()); fd.append('phone', leForm.phone.trim()); fd.append('creditScore', leForm.creditScore); fd.append('file', leFile); const res = await fetch('/api/website-builder/loan-estimate', { method: 'POST', body: fd }); if (!res.ok) { const body = await res.json().catch(() => ({})); throw new Error(body.error || 'Submission failed'); } setLeStatus('success'); } catch (err) { setLeStatus('error'); setLeError(err.message || 'Something went wrong. Please try again.'); } }; if (leStatus === 'success') { return (

We are On It!

We are analyzing your loan for potential savings. We will be in touch soon!

); } return (

See How Much You Could Save

Upload your Loan Estimate and we will analyze it for potential savings on your mortgage.

{/* Step Progress Indicator */}

{leSteps.map((label, i) => { const stepNum = i + 1; const isActive = stepNum === leStep; const isCompleted = stepNum < leStep; return ( {i > 0 && (

)}

{isCompleted ? ( ) : stepNum}

{label}

); })}

{/* Step 1: Your Information */} {leStep === 1 && (

Full Name * { setLeForm({ ...leForm, name: e.target.value }); setLeStepError(''); }} className="w-full px-4 py-3 border border-gray-300 rounded-lg focus:outline-none focus:ring-2 focus:border-transparent transition-shadow" style={{ '--tw-ring-color': branding.primaryColor }} placeholder="John Smith" />

Email Address * { setLeForm({ ...leForm, email: e.target.value }); setLeStepError(''); }} className="w-full px-4 py-3 border border-gray-300 rounded-lg focus:outline-none focus:ring-2 focus:border-transparent transition-shadow" style={{ '--tw-ring-color': branding.primaryColor }} placeholder="john@example.com" />

Phone Number * { setLeForm({ ...leForm, phone: formatPhone(e.target.value) }); setLeStepError(''); }} className="w-full px-4 py-3 border border-gray-300 rounded-lg focus:outline-none focus:ring-2 focus:border-transparent transition-shadow" style={{ '--tw-ring-color': branding.primaryColor }} placeholder="(555) 123-4567" />

)} {/* Step 2: Loan Details */} {leStep === 2 && (

Estimated Credit Score

Upload Loan Estimate (PDF) *

{ e.preventDefault(); e.stopPropagation(); setLeDragging(true); }} onDragLeave={(e) => { e.preventDefault(); e.stopPropagation(); setLeDragging(false); }} onDrop={handleLeDrop} onClick={() => fileInputRef.current?.click()} className="border-2 border-dashed rounded-xl p-8 text-center cursor-pointer transition-colors" style={{ borderColor: leDragging ? branding.primaryColor : (leFileName ? branding.primaryColor + '80' : '#d1d5db'), backgroundColor: leDragging ? branding.primaryColor + '08' : (leFileName ? branding.primaryColor + '05' : '#fafafa'), }} > {leFileName ? (

{leFileName}

Click or drag to replace

) : (

Drag and drop your Loan Estimate here

or click to browse (PDF, max 10MB)

)}

)} {/* Step 3: Review & Submit */} {leStep === 3 && (

Name {leForm.name}

Email {leForm.email}

Phone {leForm.phone}

{leForm.creditScore && (

Credit Score {leForm.creditScore}

)}

Document

{leFileName}

Please confirm your information is correct before submitting.

)} {/* Error Messages */} {(leStepError || leError) && (

{leStepError || leError}

)} {/* Navigation Buttons */}

{leStep > 1 && leStatus !== 'uploading' && ( )} {leStep < 3 && ( )} {leStep === 3 && ( )}

{leStatus === 'error' && ( )}

); }

Your Mortgage Broker PRO