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'; 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' }, ]; 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: 'Down Payment Assistance', path: '/contact' }]; 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: ['HomeReady & Home Possible options', '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 as low as 500', '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: ['No 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 (

{/* 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.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) => )}

)}

{/* ── Hero Section ── */}

{/* Background decorative elements */}

{/* Left column — copy */}

{branding.nmls ? `NMLS# ${branding.nmls}` : 'Licensed Mortgage Professional'}

Hey there —{' '} I'm Jonathan!

Home Loans Made Awesome

I'm a Mortgage Advisor based near Nashville, and I help folks all across Tennessee, Georgia, Alabama, Kentucky, Florida, Maine, and Hawaii find the right home loan without the stress. My goal is to make the mortgage process clear, smooth, and maybe even a little enjoyable.

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

{/* 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 */}

{/* ── Schedule Your Call — Easy to Find ── */}

Schedule a Call

Pick a Time That Works for You

I tell everyone to go here and schedule — so I made it easy. Three ways to connect. Zero pressure.

{[ { title: 'Initial Phone Consultation', subtitle: 'Purchase Pre-Approval', desc: "Let's chat about your goals. I'll walk you through your options, explain everything in plain language, and get you pre-approved so you can shop with confidence.", icon: 'M3 5a2 2 0 012-2h3.28a1 1 0 01.948.684l1.498 4.493a1 1 0 01-.502 1.21l-2.257 1.13a11.042 11.042 0 005.516 5.516l1.13-2.257a1 1 0 011.21-.502l4.493 1.498a1 1 0 01.684.949V19a2 2 0 01-2 2h-1C9.716 21 3 14.284 3 6V5z', cta: 'Get Pre-Approved', path: 'https://tidycal.com/team/wilsongroup/phone' }, { title: 'Refinance Options Review', subtitle: 'Lower Your Rate or Payment', desc: "Already have a home? Let's review your current loan and see if refinancing could save you money, shorten your term, or help you tap into your equity.", 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', cta: 'Review My Options', path: 'https://tidycal.com/team/wilsongroup/virtualrefinance' }, { title: 'Free Discovery Call', subtitle: 'No Pressure, Just Answers', desc: "Not sure where to start? Book a free, no-obligation call. I'll answer your questions, explain the process, and help you figure out the right next step.", icon: 'M8 12h.01M12 12h.01M16 12h.01M21 12c0 4.418-4.03 8-9 8a9.863 9.863 0 01-4.255-.949L3 20l1.395-3.72C3.512 15.042 3 13.574 3 12c0-4.418 4.03-8 9-8s9 3.582 9 8z', cta: 'Book a Call', path: 'https://tidycal.com/team/wilsongroup/free-discovery-call' }, ].map((svc) => (

e.currentTarget.style.borderColor = pc} onMouseLeave={(e) => e.currentTarget.style.borderColor = '#e5e7eb'}>

{svc.title}

{svc.subtitle}

{svc.desc}

))}

{/* ── 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')} 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 ── */}

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: '150+ Lender Network', desc: 'I shop your scenario across over 150 lenders to ensure you get the best terms and best service possible.', icon: 'M21 12a9 9 0 01-9 9m9-9a9 9 0 00-9-9m9 9H3m9 9a9 9 0 01-9-9m9 9c1.657 0 3-4.03 3-9s-1.343-9-3-9m0 18c-1.657 0-3-4.03-3-9s1.343-9 3-9m-9 9a9 9 0 019-9' }, { 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' }, { 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' }, { 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' }, ].map((item) => (

{item.title}

{item.desc}

))}

{/* Stats Card */}

{branding.headshotUrl ? (

) : (

{branding.fullName?.split(' ').map(n => n[0]).join('') || 'JW'}

)}

{branding.fullName || 'Jonathan Wilson'}

{branding.title || 'Mortgage Advisor'}

5.0

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

196 Google Reviews — and counting

Primary Market

States Licensed

{/* ── Real Google Reviews ── */} {/* ── Consultative Philosophy ── */}

{/* Left column — copy */}

The Wilson Approach

The Right Loan First.
The Right House Second.

Before you ever step foot in an open house, we sit down and review every financing option available to you. FHA, VA, Conventional, USDA, down payment assistance — we explore it all together.

My goal is simple: make sure you're in the best mortgage for your needs, with a payment you feel great about, long before you fall in love with a home. That way, when you find the one, the only surprise is how smooth it feels.

{/* Right column — visual checklist */}

What we cover before you shop:

{[ { step: '1', text: 'Review your credit, income, and goals' }, { step: '2', text: 'Compare all loan programs side-by-side' }, { step: '3', text: 'Calculate your true buying power' }, { step: '4', text: 'Lock in the best rate & terms upfront' }, { step: '5', text: 'Shop for homes with total confidence' }, ].map((item) => (

{item.step}

{item.text}

))}

No guesswork. No surprises. Just a clear plan so you can shop with confidence.

{/* ── Real Google Reviews ── */}

Verified Google Reviews

What Real Clients Are Saying

Don't take our word for it — hear from the people we've helped.

5.0

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

196 reviews on Google

{[ { name: 'Josh Sanders', text: 'Jonathan is the best. He makes the process easy and stress free. His communication throughout the entire process is impeccable. From giving weekly updates to both agents, the sellers, and us he ensures that everyone is in the know. I\'ve used him multiple times and will continue to do so.', date: 'Jun 2026' }, { name: 'David W.', text: 'Jonathan and team were fantastic to work with while buying a home in Nashville. Understood our needs, provided us with many different options, and kept us updated so we could lock in when optimal. Highest possible recommendation!', date: 'Jun 2026' }, { name: 'Sheila Gideon', text: '"Awesome" is in his tagline because he truly is. We\'ve worked with Jonathan and his team to purchase two homes and a recent refinance. Each time we received stellar customer service as well as the lowest rate. Highly recommend!', date: 'Dec 2025' }, { name: 'Sarah McFadden', text: 'Home loans made awesome is 100% accurate with Jonathan Wilson! His communication and knowledge are impeccable. This is exactly who you want representing you when things don\'t go as planned. My client hit a snag the day before closing and had to switch loan types — Jonathan not only rose to the challenge, but he had it handled in just a few hours! Very impressive.', date: 'Sep 2025' }, { name: 'Mathew Lane', text: 'As a first time homebuyer with little knowledge prior to this of the experiences of buying a home I would definitely recommend them! They are very polite, patient, and understanding towards inexperienced homebuyers. With prompt responses to all questions and concerns the process was so much easier than expected... Jonathan sent short video updates personally to us in a group text every Monday bringing us up to speed with every step of closing making the entire experience a lot more personable, easier to deal with and process, and also even enjoyable.', date: 'Oct 2023' }, { name: 'Jeff Bender', text: 'Jonathan went out of way to help my family with the entire process. He went above and beyond the call of duty making sure that we were involved in all aspects of the process and did so in a very friendly and personal matter. When obstacles came up he went to bat for us and used his expertise to help us secure our loan. It is not an exaggeration to say that Jonathan actually saved our family from ruin. I am forever in debt and cannot speak more highly about him.', date: 'Dec 2025' }, ].map((review, i) => (

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

"{review.text}"

{review.name.split(' ').map(n => n[0]).join('')}

{review.name}

{review.date}

))}

Read all 196 reviews on Google

{/* ── CTA Section ── */}

Ready to Make Your Move?

Home Loans Made Awesome — that's not just a slogan, it's how we do business. Whether you're buying your first home, upgrading, or planning your next move, I'm here to make your mortgage experience smooth, simple, and maybe even a little fun.

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

{/* ── Footer ── */}

); }

Hey there —{' '} I'm Jonathan!

Payment Calculator

Pick a Time That Works for You

{svc.title}

Find Your Perfect Loan

{loan.title}

Fast, Simple, Transparent

{step.title}

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

{item.title}

The Right Loan First. The Right House Second.

What we cover before you shop:

What Real Clients Are Saying

Ready to Make Your Move?

The Right Loan First.
The Right House Second.

Barrett Financial Group, L.L.C.