export default function FTHBFunnelPage({ branding, navigate, onContactSubmit }) { const [formData, setFormData] = useState({ name: '', email: '', phone: '', message: '' }); const [formStatus, setFormStatus] = useState('idle'); const [openFaq, setOpenFaq] = useState(null); const pc = branding.primaryColor || '#022c6a'; const sc = branding.secondaryColor && branding.secondaryColor !== '#ffffff' ? branding.secondaryColor : '#06a900'; const handleSubmit = async (e) => { e.preventDefault(); if (!formData.name.trim() || !formData.email.trim()) return; setFormStatus('sending'); try { await onContactSubmit({ name: formData.name, email: formData.email, phone: formData.phone, message: formData.message, }); setFormStatus('sent'); setFormData({ name: '', email: '', phone: '', message: '' }); } catch { setFormStatus('error'); } }; const scrollToForm = () => { const el = document.getElementById('fthb-lead-form'); if (el) el.scrollIntoView({ behavior: 'smooth' }); }; const painPoints = [ { title: 'Overwhelmed by the Process', desc: 'Between pre-approvals, inspections, appraisals, and closing — buying your first home can feel like a maze with no map.', icon: 'M9 20l-5.447-2.724A1 1 0 013 16.382V5.618a1 1 0 011.447-.894L9 7m0 13l6-3m-6 3V7m6 10l4.553 2.276A1 1 0 0021 18.382V7.618a1 1 0 00-.553-.894L15 4m0 13V4m0 0L9 7' }, { title: 'Saving for a Down Payment', desc: 'You do not need 20% down. Most first-time buyers put down 3.5% to 5%. We will show you every low-down-payment path and explain exactly what each option means for your budget.', icon: 'M3 10h18M7 15h1m4 0h1m-7 4h12a3 3 0 003-3V8a3 3 0 00-3-3H6a3 3 0 00-3 3v8a3 3 0 003 3z' }, { title: 'Not Knowing What You Qualify For', desc: 'Income limits, credit scores, loan types — it is hard to know where you stand without expert guidance tailored to your situation.', icon: 'M8.228 9c.549-1.165 2.03-2 3.772-2 2.21 0 4 1.343 4 3 0 1.4-1.278 2.575-3.006 2.907-.542.104-.994.54-.994 1.093m0 3h.01M21 12a9 9 0 11-18 0 9 9 0 0118 0z' }, ]; const steps = [ { num: '1', title: 'Free Consultation', desc: 'Tell us about your goals and financial picture. We will identify which programs and loan types fit your situation best.' }, { num: '2', title: 'Get Pre-Approved', desc: 'Know exactly how much home you can afford. A pre-approval letter shows sellers you are a serious, qualified buyer.' }, { num: '3', title: 'Find Your Home', desc: 'Shop with confidence backed by your pre-approval. We coordinate with your agent to keep everything on track.' }, { num: '4', title: 'Close & Get Your Keys', desc: 'We handle the details from contract to closing table. You focus on picking out paint colors for your new home.' }, ]; const benefits = [ { 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: 'Low Down Payment Options', desc: 'FHA, Conventional 97, VA, and USDA programs let you buy with little to nothing down. We will compare every option side by side so you can choose the one that fits your budget and long-term goals.' }, { icon: 'M12 6.253v13m0-13C10.832 5.477 9.246 5 7.5 5S4.168 5.477 3 6.253v13C4.168 18.477 5.754 18 7.5 18s3.332.477 4.5 1.253m0-13C13.168 5.477 14.754 5 16.5 5c1.747 0 3.332.477 4.5 1.253v13C19.832 18.477 18.247 18 16.5 18c-1.746 0-3.332.477-4.5 1.253', title: 'Homebuyer Education', desc: 'Free courses that prepare you for every stage of the buying process and may unlock additional loan options and better terms.' }, { icon: 'M9 5H7a2 2 0 00-2 2v12a2 2 0 002 2h10a2 2 0 002-2V7a2 2 0 00-2-2h-2M9 5a2 2 0 002 2h2a2 2 0 002-2M9 5a2 2 0 012-2h2a2 2 0 012 2m-3 7h3m-3 4h3m-6-4h.01M9 16h.01', title: 'Step-by-Step Guidance', desc: 'A dedicated loan officer walks you through every milestone — from initial application to getting your keys — so nothing falls through the cracks.' }, { icon: 'M19 11H5m14 0a2 2 0 012 2v6a2 2 0 01-2 2H5a2 2 0 01-2-2v-6a2 2 0 012-2m14 0V9a2 2 0 00-2-2M5 11V9a2 2 0 012-2m0 0V5a2 2 0 012-2h6a2 2 0 012 2v2M7 7h10', title: 'Multiple Loan Options', desc: 'FHA, Conventional, VA, USDA — we compare programs side by side to find the one that saves you the most money over the life of the loan.' }, { icon: 'M13 7h8m0 0v8m0-8l-8 8-4-4-6 6', title: 'Competitive First-Timer Rates', desc: 'First-time buyer programs often come with below-market interest rates and reduced fees, putting more purchasing power in your hands.' }, ]; const faqs = [ { q: 'What counts as a first-time home buyer?', a: 'Under HUD guidelines, a first-time home buyer is anyone who has not owned a principal residence in the past three years. This means even if you owned a home before, you may still qualify for first-time buyer programs. Single parents and displaced homemakers who owned jointly with a spouse may also be eligible.' }, { q: 'How much do I really need for a down payment?', a: 'Far less than you might think. FHA loans require just 3.5% down, and Conventional 97 loans allow as little as 3%. VA and USDA loans offer zero-down options for qualifying buyers. On a $250,000 home, 3.5% down is $8,750 — and that can sometimes come from gift funds or approved assistance sources. During your consultation, we will map out every available path based on your specific situation.' }, { q: 'How does the pre-approval process work?', a: 'Pre-approval involves submitting a loan application along with documentation of your income, assets, and credit history. A lender reviews this information and provides a letter stating how much you are approved to borrow. The process typically takes 1-3 business days and involves a credit check. Pre-approval is different from pre-qualification, which is a less formal estimate.' }, { q: 'How much house can I afford?', a: 'A common guideline is that your total monthly housing payment (including principal, interest, taxes, and insurance) should not exceed 28-31% of your gross monthly income. Your total debt payments (housing plus car loans, student loans, credit cards, etc.) should generally stay below 43-45% of gross income. We will calculate your specific numbers during the consultation.' }, { q: 'What are closing costs and how much should I expect?', a: 'Closing costs are the fees and expenses paid when your mortgage transaction is finalized. They typically range from 2-5% of the purchase price and include lender fees, title insurance, appraisal, escrow deposits, and prepaid items like homeowner insurance. Many first-time buyer programs help cover closing costs, and sellers can often contribute as well.' }, { q: 'Do I need perfect credit to buy my first home?', a: 'No. While a higher credit score helps you get better rates, many loan programs accept scores in the 580-620 range. FHA loans allow scores as low as 580 with 3.5% down. Some down payment assistance programs have their own credit requirements, but many are designed specifically for buyers with moderate credit. We can review your credit and suggest steps to improve it if needed.' }, ]; return (

{/* Top Bar — Simple, high-contrast, no gradients */} {/* Hero — Flat, clean, ad-optimized. Form-first on mobile. */}

{/* Left: Headline + Value Props */}

First-Time Buyer Program

Buy Your First Home With a Low Down Payment

You do not need 20% down to buy a home. We will walk you through every low-down-payment option and guide you through the process with total clarity — no credit impact, no obligation.

{[ 'Low Down Payment Options', 'Clear Step-by-Step Guidance', 'Pre-Approval in 24 Hours' ].map((tag, i) => ( {tag} ))}

{branding.phone && ( Questions? Call {branding.phone} )}

{/* Right: Inline Lead Form — critical for Google Ads conversion */}

Check Your Eligibility

Free, no-obligation. We respond within 24 hours.

{formStatus === 'sent' ? (

Thank You!

We will reach out shortly with your personalized options.

) : (

Full Name * setFormData({ ...formData, name: e.target.value })} className="w-full px-4 py-3 rounded-lg border-2 text-sm focus:outline-none" style={{ borderColor: '#e2e8f0', color: '#111827' }} placeholder="Jane Doe" autoComplete="name" />

Email Address * setFormData({ ...formData, email: e.target.value })} className="w-full px-4 py-3 rounded-lg border-2 text-sm focus:outline-none" style={{ borderColor: '#e2e8f0', color: '#111827' }} placeholder="jane@example.com" autoComplete="email" />

Phone Number setFormData({ ...formData, phone: e.target.value })} className="w-full px-4 py-3 rounded-lg border-2 text-sm focus:outline-none" style={{ borderColor: '#e2e8f0', color: '#111827' }} placeholder="(555) 123-4567" autoComplete="tel" />

What Is Your Goal?

{formStatus === 'error' && (

Something went wrong. Please try again.

)}

By submitting, you agree to be contacted about mortgage options. Your information is secure.

)}

{/* Quick Stats Bar — High trust, no gradients */}

{[ { val: '3.5%', label: 'Minimum Down Options' }, { val: '$0', label: 'Down Options Available' }, { val: '580+', label: 'Credit Score OK' }, { val: '24hr', label: 'Pre-Approval Response' }, ].map((s, i) => (

{s.val}

{s.label}

))}

{/* Pain Points */}

Stuck? You Are Not Alone.

The biggest fears first-time buyers have — and how we solve them.

{painPoints.map((p, i) => (

{p.title}

{p.desc}

))}

{/* How It Works */}

4 Steps to Your Keys

No guesswork. We guide you through every milestone.

{steps.map((s, i) => (

{s.num}

{s.title}

{s.desc}

{i < steps.length - 1 && (

)}

))}

{/* Benefits */}

Built for First-Time Buyers

Programs and benefits designed to get you into a home faster.

{benefits.map((b, i) => (

{b.title}

{b.desc}

))}

{/* Second Form Section — Mid-page capture for Google Ads */}

Get Your Free Rate Quote

No credit impact. No obligation. See what programs you qualify for in 60 seconds.

{formStatus === 'sent' ? (

You Are on Your Way!

We received your information and will reach out shortly.

) : (

What Is Your Goal?

{formStatus === 'error' && (

Something went wrong. Please try again.

)}

By submitting, you agree to be contacted about mortgage options. Your information is secure.

)}

{[ { text: 'Secure & confidential information' }, { text: 'No impact to your credit score' }, { text: 'Free, no-obligation consultation' }, { text: 'Response within 24 hours' }, ].map((item, i) => (

{item.text}

))}

{/* Trust / About */}

{branding.headshotUrl ? ( {branding.fullName

) : (

)}

{branding.fullName || 'Your Home Buying Guide'}

{branding.title &&

{branding.title}

} {branding.company &&

{branding.company}

}

We specialize in helping first-time buyers navigate the home purchase process from start to finish. From finding the right low-down-payment loan program to explaining every document and deadline in plain English, our goal is to give you the clarity and confidence you need to close on your first home without stress or surprises.

{branding.nmls && NMLS# {branding.nmls}} {branding.companyNmls && Company NMLS# {branding.companyNmls}}

{/* FAQ */}

First-Time Buyer FAQ

Answers to the questions we hear most from new buyers.

{faqs.map((faq, i) => (

{openFaq === i &&

{faq.a}

}

))}

{/* Final CTA — Solid background, no gradients */}

Your First Home Is Closer Than You Think

Low down payment options, clear expert guidance, and a loan tailored to your budget. See what you qualify for today.

{branding.meetingLink && ( Schedule a Call )}

{/* Footer */}

); }

First-Time Home Buyer | Zero Down Programs Available

First-Time Home Buyer | Zero Down Programs Available