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('6.500'); 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'; let sc = branding.secondaryColor; if (!sc || sc === '#ffffff') { sc = '#003297'; } const formatLoanAmount = (v) => { const n = v.replace(/\D/g, ''); return n ? parseInt(n).toLocaleString() : ''; }; const calcPayment = () => { const p = parseFloat(loanAmount.replace(/,/g, '')) || 0; const r = (parseFloat(interestRate) || 0) / 100 / 12; const n = (parseInt(loanTerm) || 0) * 12; if (!p || !r || !n) return '0'; 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: 'AI Home Search', path: '/homes' }, { label: 'AI Agent Advantage', path: '/wise-agent-advantage' }, { label: 'Calculators', path: '/calculators' }, { 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' }]; 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: 'Understanding Your Goals', desc: 'We start by discussing your unique goals and financial needs to craft a personalized plan that works best for you.' }, { num: '2', title: 'Exploring Your Options', desc: 'Using the insights from our consultation, we research and present the most competitive rates, programs, and structures available.' }, { num: '3', title: 'Presenting the Plan', desc: 'We review our findings together and, with your approval, proceed to lock in the ideal solution tailored for your needs.' }, { num: '4', title: 'Guiding You to Completion', desc: 'Our dedicated team will assist you through every step, handling all necessary paperwork and ensuring a smooth closing process.' }, ]; const reviews = [ { name: 'Kenneth Rod', location: 'First-Time Homebuyer', rating: 5, text: "We are so grateful for everything Robin did for us as first-time homebuyers. He took the time to explain every step of the process in a way that made us feel confident and informed. He genuinely cared about making sure we were prepared—not just to buy a home, but to make smart decisions along the way. One of the biggest things he did for us was help us lock in our rate at the perfect time, just before rates went up. That alone saved us a lot, and it showed how much he stays on top of the market for his clients.", avatar: 'K' }, { name: 'Helen Vega', location: 'First-Time Homebuyer', rating: 5, text: "First time home buyer is a scary process, from getting the right loan to home searching. Robin went above and beyond to get us the right loan that fit us. He was on call if I had any questions, his explanations to everything were very easy to comprehend. I would 100% do business with The Wise Lending Company again.", avatar: 'H' }, { name: 'Kelsey McMullen', location: 'First-Time Homebuyer', rating: 5, text: "First time homebuyer here! Robin was such a great pleasure to work with through this process. He explained everything really well and answered any questions we may have had no matter what hour of the day. He even made us a youtube video explaining our loan options which was privately posted of course. I would recommend him to any of my friends and family. He is very professional, trustworthy, and honest.", avatar: 'K' }, { name: 'Yu Cruz', location: 'Busy Parents', rating: 5, text: "Robin was super helpful, answered all our questions all times of the day. We are busy parents and he made the process go smoothly. Not only did he help us buy a house, he helped us buy a home. Thank you Robin!", avatar: 'Y' }, { name: 'Elizaveta Lungu', location: 'Sacramento Area', rating: 5, text: "Amazing job! Robin was able to get me to close on the house in 14 days! Very efficient and professional.", avatar: 'E' }, { name: 'Kelly Guymon', location: 'Repeat Client', rating: 5, text: "Robin is a great person he has helped me 3 different times as far as financing. Robin goes over and beyond.", avatar: 'K' } ]; const TestimonialSlider = ({ pc, sc }) => { const [currentIndex, setCurrentIndex] = useState(0); const [isPaused, setIsPaused] = useState(false); const [touchStart, setTouchStart] = useState(null); const [touchEnd, setTouchEnd] = useState(null); const nextSlide = () => { setCurrentIndex((prev) => (prev + 1) % reviews.length); }; const prevSlide = () => { setCurrentIndex((prev) => (prev - 1 + reviews.length) % reviews.length); }; const goToSlide = (index) => { setCurrentIndex(index); }; useEffect(() => { if (isPaused) return; const interval = setInterval(nextSlide, 5000); return () => clearInterval(interval); }, [isPaused]); const handleTouchStart = (e) => { setTouchStart(e.targetTouches[0].clientX); }; const handleTouchMove = (e) => { setTouchEnd(e.targetTouches[0].clientX); }; const handleTouchEnd = () => { if (!touchStart || !touchEnd) return; const distance = touchStart - touchEnd; const minSwipeDistance = 50; if (distance > minSwipeDistance) { nextSlide(); } else if (distance < -minSwipeDistance) { prevSlide(); } setTouchStart(null); setTouchEnd(null); }; const getVisibleReviews = () => { const visible = []; for (let i = 0; i < 3; i++) { const index = (currentIndex + i) % reviews.length; visible.push({ ...reviews[index], originalIndex: index }); } return visible; }; return (

setIsPaused(true)} onMouseLeave={() => setIsPaused(false)} > {/* Slider Container */}

{getVisibleReviews().map((review, idx) => (

{/* Quote Icon */}

{/* Stars */}

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

{/* Review Text */}

"{review.text}"

{/* Reviewer Info */}

{review.avatar}

{review.name}

{review.location}

))}

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

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

{/* Mobile Swipe Hint */}

Swipe to see more reviews

); }; 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 ── */}

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) => ( ))} Apply Online

{mobileMenuOpen && (

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

LOAN PROGRAMS

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

)}

{/* ── Hero Section ── */}

{/* Background decorative elements */}

{/* Left column — copy */}

The Wise Lending Company

{branding.logoUrl && (

)}

Our mission is: To help you make wise decisions in both residential and commercial lending. Many lenders available in our platform — one application, multiple offers, the best rate.

Apply Online

{/* 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 Choose The Wise Lending Company

Our success has been built on consistently offering the lowest possible rates while delivering exceptional customer service. At Wise Lending Company, we pride ourselves on treating every client with honesty and integrity.

{[ { title: 'Expert Advice Across Multiple US Markets', desc: 'With deep financial market knowledge and extensive real estate expertise across CA, OR, WA, and TX, we provide strategic guidance tailored to your regional market conditions.', icon: 'M9.663 17h4.673M12 3v1m6.364 1.636l-.707.707M21 12h-1M4 12H3m3.343-5.657l-.707-.707m2.828 9.9a5 5 0 117.072 0l-.548.547A3.374 3.374 0 0014 18.469V19a2 2 0 11-4 0v-.531c0-.895-.356-1.754-.988-2.386l-.548-.547z' }, { title: 'Lowest Possible Rates', desc: 'We work tirelessly to find you the most competitive interest rates available, saving you money over the life of your loan.', 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' }, { title: 'Exceptional Service', desc: 'Honesty and integrity guide every interaction. We treat every client like family and guide you through every step of the process.', icon: 'M4.318 6.318a4.5 4.5 0 000 6.364L12 20.364l7.682-7.682a4.5 4.5 0 00-6.364-6.364L12 7.636l-1.318-1.318a4.5 4.5 0 00-6.364 0z' }, ].map((item) => (

{item.title}

{item.desc}

))}

{/* ── Lenders Platform Section ── */}

Many Lenders Available In Our Platform

Access competitive rates from multiple lenders through one simple application

Multiple lenders available on our platform

{/* ── Testimonials Slider Section ── */}

What Our Clients Are Saying

Real experiences from homeowners who trusted Robin with their mortgage journey

{/* Overall Rating Badge */}

5.0

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

Rated 5 Stars on Google

Real reviews from verified clients

{/* ── CTA Section ── */}

Ready To Get Started?

Get Started Below — Let us help you make wise decisions in both residential and commercial lending.

{branding.phone && ( {branding.phone} )}

{/* ── Footer ── */} {/* ── 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', '0c75c166-feed-46fe-b742-5754d6de3a75'); 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' && ( )}

); })()}

); }

Wise Agent Advantage Platform

Wise Agent Advantage Platform