export default function HomePage({ branding, navigate, onContactSubmit }) { const [mobileMenuOpen, setMobileMenuOpen] = useState(false); const [programsOpen, setProgramsOpen] = useState(false); const [isLoaded, setIsLoaded] = useState(false); const [activeReview, setActiveReview] = useState(0); const [isPaused, setIsPaused] = useState(false); useEffect(() => { const t = setTimeout(() => setIsLoaded(true), 100); return () => clearTimeout(t); }, []); useEffect(() => { if (isPaused) return; const interval = setInterval(() => { setActiveReview((prev) => (prev + 1) % 10); }, 5000); return () => clearInterval(interval); }, [isPaused]); const pc = branding.primaryColor || '#1e3a5f'; const sc = branding.secondaryColor && branding.secondaryColor !== '#ffffff' ? branding.secondaryColor : '#b8860b'; const navLinks = [ { label: 'Home', path: '/' }, { label: 'About', path: '/about' }, { label: 'Services', path: '/services' }, { label: 'Calculator', path: '/mortgage-calculator' }, { label: 'Blog', path: '/blog' }, { label: 'Contact', path: '/contact' }, ]; 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: 'Buy Before You Sell', path: '/buy-before-you-sell' }]; 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 {/* ── Navigation ── */}

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

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

{mobileMenuOpen && ( )}

{/* ── Hero Section ── */}

Licensed in CO, TX & FL

Your home.
Your goals.
Your mortgage.

Your goals are unique. Whether you're buying or refinancing, Our 303 team puts dozens of lenders to work for you — so you walk away with a mortgage that actually fits your life.

Beautiful home in spring with green lawn and mountain view in Colorado

Colorado Living

Local experts helping you plant roots in Colorado

{/* ── Featured Loan Programs ── */}

who we help

From first keys to fresh starts — there's a place for you here.

{/* Row 1 - 3 cards */}

{[ { num: '01', title: 'First-Time Buyers', desc: "Buying your first home is one of the biggest moments of your life. Our 303 team is here to make sure you feel informed, supported, and confident every step of the way.", path: '/services', buttonText: 'Start Here →' }, { num: '02', title: 'Homeowners Refinancing', desc: "Already own your home? New opportunities may be closer than you think. We'll explore the market and build a refinancing strategy designed around your goals, monthly comfort, and long-term plans.", path: '/services', buttonText: "See What's Possible →" }, { num: '03', title: 'On The Move', desc: "New to Colorado or planning your move? Our local experts know this market inside and out — so you can focus on everything else that comes with a big move.", path: '/services', buttonText: "Let's Get Moving →" }, ].map((program) => (

{program.num}

{program.title}

{program.desc}

))}

{/* Row 2 - 3 cards */}

{[ { num: '04', title: 'Veterans & Active Military', desc: "You've earned the benefit — let us help you use it. We specialize in VA loans so you can get into a home with little to no down payment and terms that work in your favor", path: '/va-loans', buttonText: "Use Your Benefits →" }, { num: '05', title: 'Real Estate Investors', desc: "Ready to grow your portfolio? We move fast with the loan products that make investment properties pencil out — from single rentals to multi-unit acquisitions.", path: '/services', buttonText: "Let's Run the Numbers →" }, { num: '06', title: 'Buy Before You Sell', desc: "Found the perfect home but haven't sold yet? We'll help you secure it first so you're not rushing, settling, or missing out.", path: '/buy-before-you-sell', buttonText: "Skip the Wait →" }, ].map((program) => (

{program.num}

{program.title}

{program.desc}

))}

{/* ── The LendWell Difference (Dark Section) ── */}

{branding.company || 'PrestigeLend'} Difference

{[ { num: '500+', label: 'Families Served' }, { num: '24hr', label: 'Pre-Approval' }, { num: '$200M', label: 'Loans Funded' }, { num: '4.9', label: 'Client Rating' }, ].map((stat) => (

{stat.num}

{stat.label}

))}

{/* ── Process Timeline ── */}

How It Works

A Refined Process

{[ { num: '01', title: 'Discovery Call', desc: "Every great relationship starts with a conversation. We take the time to understand your goals, your timeline, and what matters most to you — no pressure, no jargon, just an honest chat about what's possible. You're not a transaction to us, you're the beginning of something great.", align: 'left' }, { num: '02', title: 'Get Pre-Approved', desc: "We do the heavy lifting so you don't have to. Our team works through the details with care and precision, making sure you're set up for success before you ever fall in love with a home. Walk into your search with confidence knowing exactly what you're working with.", align: 'right' }, { num: '03', title: 'Find Your Perfect Match', desc: "With your approval in hand, you're ready to find the home that checks every box. While your realtor helps you find the place, we're right behind the scenes matching you with the loan that fits your life — your budget, your future, and your dreams.", align: 'left' }, { num: '04', title: 'Meet Your Dedicated Team', desc: "This is where the your303lending difference really shows. You'll have real, local people in your corner — neighbors who know the Colorado market and genuinely care about your outcome. We're not a call center. We're your team, and we're with you every step of the way.", align: 'right' }, { num: '05', title: 'Welcome to the Family', desc: "Closing day isn't the end — it's just the beginning. Once a your303lending client, always a your303lending client. We'll be here for your next move, your refinance, your referrals, and everything in between. We love our community, and we're so glad you're part of ours.", align: 'left' }, ].map((step) => (

{step.num}

{step.title}

{step.desc}

))}

{/* ── Testimonials ── */}

{/* Section Header */}

Client Stories

Trusted by Homeowners
in Colorado, Texas & Florida

5.0

{[...Array(5)].map((_, i) => ( ))}

Based on 10 reviews on Google

{/* Carousel */} {(() => { const reviews = [ { text: "I cannot recommend Andrea enough! As a first-time homebuyer, the mortgage process felt daunting, but she truly went above and beyond to make it incredibly easy for me. She was extremely attentive and responsive throughout the entire journey. Thanks to her dedication and expertise, what could have been a stressful experience was instead seamless and straightforward.", author: "Abbie Rush", date: "Jul 2025" }, { text: "Steph and Lindsey were so helpful in assisting us with the purchase of our first home. Their communication was fantastic, we never felt in the dark about the process or where we stood. I recommend Your303Lending to anybody who needs a great, helpful lender!", author: "Kristopher Martin", date: "Mar 2025" }, { text: "Steph and her team were amazing. We found our dream home and wanted to make an offer fast. Steph had me approved in less than 2 hours. She walked us through the process allowing us to close seamlessly. I would recommend Your303Lending to all my friends and family.", author: "Jeff Garcia", date: "Apr 2025" }, { text: "Steph is THE best mortgage lender in Denver! She helped me feel at ease throughout the stressful mortgage process. She's very kind, genuine, supportive & an expert in the business.", author: "Kristie Berkley", date: "Apr 2025" }, { text: "Steph is FANTASTIC to work with!!! She made the process so easy and stress free. I would absolutely recommend her to anyone wanting to buy their new home.", author: "Amanda Moser", date: "Mar 2025" }, { text: "Steph and her team were incredible! They made my first time home purchase very smooth. Highly recommend.", author: "Connor Herr", date: "Feb 2025" }, { text: "I worked with Steph as my lender for my first time home buying experience and she was AMAZING. She is so kind, patient, and knowledgeable. She took the time to answer all my questions and re-answer and re-phrase her answers numerous times until I clearly understood what she was saying. Steph was awesome, is clearly great at her job, and looks out for her clients the way she looks out for her friends.", author: "Eileen Chen", date: "Mar 2024" }, { text: "Steph and her team at your 303 lending are so amazing to work with! Not only has she done a personal home loan for an investment property for myself but I also don't hesitate to share her information with any of my clients as they start their homebuying process. Steph is a wealth of knowledge, knows all things lending, and keeps me updated throughout every step of the process.", author: "Bev Marsh", date: "Jan 2024" }, { text: "Steph is great at what she does! I highly recommend her! Super friendly and professional.", author: "Mark Gunkel", date: "Jun 2025" }, { text: "The team at 303Lending sincerely makes you feel like more than just a client. The communication process from start to finish is excellent. They help you make the right choices based on what is important to you. From more than one experience, I know that you won't be disappointed when working with this group!", author: "Britni Dreher", date: "May 2022" } ]; return (

setIsPaused(true)} onMouseLeave={() => setIsPaused(false)} > {/* Review Card */}

{/* Stars */}

{[...Array(5)].map((_, j) => ( ))}

{/* Quote */}

“{reviews[activeReview].text}”

{/* Author */}

{reviews[activeReview].author}

{reviews[activeReview].date} · Google Review

{/* Navigation Arrows */} {/* Dot Indicators */}

{reviews.map((_, i) => (

); })()}

{/* ── CTA ── */}

Ready to begin?

Take the first step toward the home you have been dreaming about.

{/* ── Loan Estimate Analyzer Section ── */} {(() => { 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 = useCallback((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 = useCallback((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 = useCallback((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 = useCallback((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; }, [leForm, leFile]); const goNext = useCallback(() => { if (validateStep(leStep)) setLeStep(leStep + 1); }, [leStep, validateStep]); const goBack = useCallback(() => { setLeStepError(''); setLeStep(leStep - 1); }, [leStep]); const handleLeSubmit = useCallback(async () => { setLeStatus('uploading'); setLeError(''); try { const fd = new FormData(); fd.append('websiteId', '331f69cd-3276-43db-a066-65ed7219421d'); 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.'); } }, [leForm, leFile]); if (leStatus === 'success') { return (

We're On It!

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

); } return (

See How Much You Could Save

Upload your Loan Estimate and we'll 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 & 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' && ( )}

); })()} {/* ── Footer ── */} {/* ── Optimal Blue Rate Widget + Get my Rate CTA ── */} {(() => { const [rateEmail, setRateEmail] = useState(''); const [rateStatus, setRateStatus] = useState('idle'); const [rateError, setRateError] = useState(''); const handleRateSubmit = useCallback(async (e) => { e.preventDefault(); setRateError(''); if (!rateEmail.trim()) { setRateError('Please enter your email.'); return; } if (!/^[^\s@]+@[^\s@]+\.[^\s@]+$/.test(rateEmail.trim())) { setRateError('Please enter a valid email.'); return; } setRateStatus('sending'); try { const res = await fetch('/api/website-builder/contact', { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify({ websiteId: '331f69cd-3276-43db-a066-65ed7219421d', name: 'Rate Widget Lead', email: rateEmail.trim(), message: 'This visitor requested their personalized rate via the Rate Widget.', }), }); if (!res.ok) throw new Error('Failed'); setRateStatus('sent'); } catch { setRateError('Something went wrong. Please try again.'); setRateStatus('idle'); } }, [rateEmail]); return (

Your home.Your goals.Your mortgage.

From first keys to fresh starts — there's a place for you here.

{program.title}

{program.title}

{branding.company || 'PrestigeLend'} Difference

A Refined Process

{step.title}

Trusted by Homeowners in Colorado, Texas & Florida

Ready to begin?

We're On It!

See How Much You Could Save

Your home.
Your goals.
Your mortgage.

Trusted by Homeowners
in Colorado, Texas & Florida

Your 303 Lending