export default function FunnelPage({ branding, navigate, onContactSubmit }) { const [formData, setFormData] = useState({ name: '', email: '', phone: '', message: '' }); const [status, setStatus] = useState('idle'); const [openFaq, setOpenFaq] = useState(null); const handleSubmit = async (e) => { e.preventDefault(); if (!formData.name.trim() || !formData.email.trim()) return; setStatus('sending'); try { await onContactSubmit({ name: formData.name, email: formData.email, phone: formData.phone, message: formData.message, }); setStatus('sent'); setFormData({ name: '', email: '', phone: '', message: '' }); } catch { setStatus('error'); } }; const scrollToForm = () => { document.getElementById('contact-form')?.scrollIntoView({ behavior: 'smooth' }); }; const faqs = [ { q: "When should I get pre-approved for a mortgage?", a: "You should get pre-approved BEFORE you start looking at homes. Pre-approval shows sellers you're serious, gives you a clear budget, and prevents heartbreak from falling in love with homes you can't afford. The process typically takes 1-3 days and is valid for 60-90 days." }, { q: "How much should I save for a down payment?", a: "While 20% down avoids PMI, many first-time buyer programs allow as little as 3-3.5% down. However, don't forget closing costs (2-5% of purchase price), moving expenses, and an emergency fund. I recommend having at least 3-6 months of expenses saved AFTER your down payment." }, { q: "What credit score do I need to buy a home?", a: "Most lenders require a minimum 620 credit score for conventional loans, but FHA loans may accept scores as low as 580 with 3.5% down or 500 with 10% down. However, higher scores (740+) unlock better interest rates. If your score needs work, let's talk strategy before you apply." }, { q: "Can I buy a home if I have student loans?", a: "Yes! Student loans don't disqualify you. Lenders look at your debt-to-income ratio (DTI). Most programs allow up to 43% DTI, though some go higher. The key is showing consistent payment history and stable income. Don't pay off student loans right before applying without consulting me first." }, { q: "What financial changes should I avoid after getting pre-approved?", a: "After pre-approval, avoid: changing jobs, opening new credit accounts, making large purchases (especially furniture or cars), co-signing loans for anyone, and making unexplained large deposits or withdrawals. Any of these can delay or derail your closing." } ]; return (

{/* Sticky Header */}

{branding.logoUrl ? ( Longs Peak Lending

) : ( {branding.company} )}

{branding.phone} Get Pre-Approved

{/* Hero Section */}

Free First-Time Buyer Guide

Don't Make These Costly Mistakes Before Buying Your First Home

73% of first-time buyers lose thousands—or lose the home entirely—because they didn't know these critical do's and don'ts. Get the insider guide that could save you $10,000+ on your first purchase.

Schedule a Time to Talk → Call Mike {branding.phone}

No Credit Check Required 5-Min Read

{branding.headshotUrl && (

)}

{branding.fullName}

{branding.title}

NMLS #{branding.nmls}

"I've seen too many first-time buyers make preventable mistakes that cost them their dream home. This guide shares everything I wish every buyer knew before starting their journey."

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

{/* Pain Points Section */}

The Shocking Truth About First-Time Homebuying

Most buyers think finding the perfect home is the hardest part. They're wrong. The real danger lies in what happens before and during the mortgage process.

{[ { icon: "💸", stat: "$15,000+", text: "Average amount first-time buyers lose due to avoidable mistakes" }, { icon: "⏰", stat: "6-12 Months", text: "How long credit mistakes can delay your home purchase" }, { icon: "❌", stat: "40%", text: "Of pre-approved buyers have their loan denied due to financial changes" } ].map((item, idx) => (

{item.icon}

{item.stat}

{item.text}

))}

{/* The DO's Section */}

✓

Smart Moves

What You SHOULD Do Before Buying

{[ { title: "Get Pre-Approved FIRST (Not Pre-Qualified)", desc: "Pre-approval means a lender has verified your income, assets, and credit. Pre-qualification is just a guess. Sellers won't take you seriously without a real pre-approval letter, and you'll be guessing at your budget.", tip: "Pro Tip: Shop rates with 2-3 lenders within a 14-day window—it only counts as one credit pull." }, { title: "Check Your Credit Report 6 Months Early", desc: "Errors on credit reports are more common than you think. One mistake could cost you thousands in higher interest rates. Disputing errors takes time, so start early.", tip: "Get free reports at AnnualCreditReport.com and review all three bureaus." }, { title: "Save Beyond the Down Payment", desc: "Closing costs (2-5% of purchase price), moving expenses, immediate repairs, and an emergency fund are all realities. Running your savings to zero is a recipe for disaster.", tip: "Aim for 3-6 months of expenses saved AFTER your down payment and closing costs." }, { title: "Research First-Time Buyer Programs", desc: "FHA loans (3.5% down), VA loans (0% down), USDA loans, and state/local assistance programs could save you tens of thousands. Many buyers don't even know these exist.", tip: "Colorado has multiple down payment assistance programs—ask me which you qualify for." }, { title: "Keep Your Financial Life Boring", desc: "The 6-12 months before buying is NOT the time for financial adventures. Keep steady employment, avoid new debt, and maintain consistent bank account activity.", tip: "Lenders want to see stability. Big deposits or withdrawals require explanation." }, { title: "Get a Thorough Home Inspection", desc: "A $400 inspection can save you from a $40,000 foundation problem. Never skip this step, even in competitive markets. You can negotiate repairs or walk away if needed.", tip: "Attend the inspection in person. You'll learn more about your home than any report can tell." } ].map((item, idx) => (

{idx + 1}

{item.title}

{item.desc}

{item.tip}

))}

{/* The DON'Ts Section */}

Costly Mistakes

What You Should NEVER Do

These mistakes can delay your closing, increase your rate, or kill your deal entirely. I've seen each one happen—and they're all avoidable.

{[ { title: "DON'T Apply for New Credit", desc: "That 10% off store credit card? It could drop your credit score 20+ points and increase your debt-to-income ratio. Even a small score drop can cost you thousands in higher rates." }, { title: "DON'T Change Jobs (Without Consulting Your Lender)", desc: "Lenders want 2 years of consistent employment history. Changing jobs—even for more money—can restart the clock. If you must change jobs, tell your lender FIRST." }, { title: "DON'T Make Large Purchases", desc: "Buying furniture, a car, or appliances before closing can push your debt-to-income ratio over the limit. Wait until AFTER you have the keys in your hand." }, { title: "DON'T Co-Sign Loans for Anyone", desc: "Co-signing makes you legally responsible for that debt. Lenders count it against your DTI ratio, even if the other person makes every payment." }, { title: "DON'T Liquidate Cryptocurrency", desc: "Large unexplained deposits or weird transaction patterns trigger lender scrutiny. Crypto conversions especially raise red flags and may require extensive documentation." }, { title: "DON'T Skip the Pre-Approval", desc: "Shopping without pre-approval is like house-hunting blind. You might fall in love with a $400K home when you only qualify for $300K—or miss out because sellers won't consider your offer." }, { title: "DON'T Max Out Your Budget", desc: "Just because you're approved for $400K doesn't mean you should spend $400K. Leave room for maintenance, taxes going up, and lifestyle expenses. House-poor is real." }, { title: "DON'T Miss Any Credit Payments", desc: "One late payment during the mortgage process can tank your approval. Set up autopay for everything and monitor your accounts obsessively." } ].map((item, idx) => (

{item.title}

{item.desc}

))}

{/* Warning Box */}

⚠️

The #1 Deal Killer

Making any major financial change between pre-approval and closing is the fastest way to lose your dream home. I've seen buyers buy a car the week before closing and lose their loan approval entirely. When in doubt, call me first. A 2-minute phone call can save your entire transaction.

{/* Pre-Approval CTA Section */}

Ready to Take the First Step?

Getting pre-approved takes just 15 minutes and gives you a clear roadmap for your homebuying journey. No obligation, no pressure—just honest guidance from a broker who's closed hundreds of first-time buyer loans.

Start My Pre-Approval Schedule a Time to Talk

NMLS #{branding.nmls} | {branding.company} NMLS #{branding.companyNmls}

{/* Financial Readiness Checklist */}

The First-Time Buyer's Financial Readiness Checklist

Before you even look at a single home, make sure you can check every box:

{[ "Credit score of 620+ (or 580+ for FHA)", "Debt-to-income ratio below 43%", "2 years of steady employment history", "3.5% - 20% saved for down payment", "Additional 3-6% for closing costs", "3-6 months of expenses in emergency fund", "No major purchases planned for 6 months", "All credit accounts current (no late payments)", "Tax returns and W-2s for past 2 years", "Bank statements for past 2-3 months" ].map((item, idx) => (

{item}

))}

Don't meet all the criteria? Don't panic. Many buyers think they need perfect credit or 20% down. Programs exist for almost every situation. Let's talk about your specific circumstances and find the right path forward.

{/* About Mike Section */}

{branding.headshotUrl && (

)}

Hi, I'm {branding.fullName}

As {branding.title} at {branding.company}, I've helped hundreds of first-time buyers navigate the mortgage process and avoid the costly mistakes that derail so many dreams.

I believe everyone deserves clear, honest guidance when making the biggest financial decision of their life. No pushy sales tactics, no confusing jargon—just straightforward advice that puts you in the best position to succeed.

500+

Loans Closed

15+

Years Experience

5★

Client Rating

{branding.phone} Email Me

{/* Contact Form Section */}

Get Your Free First-Time Buyer Guide

Plus a complimentary 15-minute consultation to review your specific situation

{status === 'sent' ? (

Thank You!

I'll send your guide within the next 30 minutes and reach out to schedule your consultation.

) : (

Full Name * setFormData({...formData, name: e.target.value})} className="w-full px-4 py-3 rounded-lg bg-gray-700 border border-gray-600 text-white placeholder-gray-400 focus:outline-none focus:border-blue-500 transition-colors" placeholder="John Smith" />

Email * setFormData({...formData, email: e.target.value})} className="w-full px-4 py-3 rounded-lg bg-gray-700 border border-gray-600 text-white placeholder-gray-400 focus:outline-none focus:border-blue-500 transition-colors" placeholder="john@email.com" />

Phone setFormData({...formData, phone: e.target.value})} className="w-full px-4 py-3 rounded-lg bg-gray-700 border border-gray-600 text-white placeholder-gray-400 focus:outline-none focus:border-blue-500 transition-colors" placeholder="(555) 123-4567" />

When are you planning to buy?

{status === 'error' && (

Something went wrong. Please try again or call me directly at {branding.phone}.

)}

Your information is secure and will never be shared. NMLS #{branding.nmls}

)}

{/* FAQ Section */}

Frequently Asked Questions

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

{openFaq === idx && (

{faq.a}

)}

))}

{/* Final CTA */}

Don't Navigate This Alone

Buying your first home is one of the biggest financial decisions you'll ever make. Having an experienced guide in your corner can save you thousands and countless headaches.

Get Your Free Guide Now or Call {branding.phone}

Colorado Licensed 5-Star Rated Expert Guidance

{/* Footer */}

); }