export default function HomePage({ branding, navigate, onContactSubmit }) { const [mobileMenuOpen, setMobileMenuOpen] = useState(false); const [programsOpen, setProgramsOpen] = useState(false); const [bannerVisible, setBannerVisible] = useState(true); const [scrollFadeIndex, setScrollFadeIndex] = useState(0); const [isLoaded, setIsLoaded] = useState(false); const [email, setEmail] = useState(''); const [emailStatus, setEmailStatus] = useState('idle'); const [loanActiveIndex, setLoanActiveIndex] = useState(0); const [loanProgress, setLoanProgress] = useState(0); const loanLibraryRef = useRef(null); const scrollFadeWords = ['Pre-Approved', 'Confident', 'Homeowner']; useEffect(() => { const t = setTimeout(() => setIsLoaded(true), 100); return () => clearTimeout(t); }, []); useEffect(() => { const observer = new IntersectionObserver((entries) => { entries.forEach((entry) => { if (entry.isIntersecting) { entry.target.classList.add('reveal-visible'); observer.unobserve(entry.target); } }); }, { threshold: 0.1, rootMargin: '0px 0px -60px 0px' }); const elements = document.querySelectorAll('.reveal-on-scroll'); elements.forEach((el) => observer.observe(el)); return () => observer.disconnect(); }); useEffect(() => { const handleScroll = () => { const scrollY = window.scrollY; const fadeIndex = Math.min(Math.floor(scrollY / 400), scrollFadeWords.length - 1); setScrollFadeIndex(fadeIndex); }; window.addEventListener('scroll', handleScroll, { passive: true }); return () => window.removeEventListener('scroll', handleScroll); }, []); useEffect(() => { const handleScroll = () => { const section = loanLibraryRef.current; if (!section) return; const rect = section.getBoundingClientRect(); const sectionTop = rect.top; const sectionHeight = section.offsetHeight; const viewportHeight = window.innerHeight; const scrollProgress = Math.max(0, Math.min(1, -sectionTop / (sectionHeight - viewportHeight))); setLoanProgress(scrollProgress); const newIndex = Math.min(loanLibrary.length - 1, Math.max(0, Math.floor(scrollProgress * loanLibrary.length))); setLoanActiveIndex(newIndex); }; window.addEventListener('scroll', handleScroll, { passive: true }); handleScroll(); return () => window.removeEventListener('scroll', handleScroll); }, []); const pc = branding.primaryColor || '#eaaa00'; const navLinks = [ { label: 'Home', path: '/' }, { label: 'About', path: '/about' }, { label: 'Services', path: '/services' }, { label: 'Calculator', path: '/calculator' }, { 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 freebies = [ { title: 'First-Time Buyer Checklist', subtitle: 'Home Buying', desc: 'The exact 10-step checklist I use with every first-time buyer. No guesswork, no stress.', cta: 'Download Free', path: '/contact', image: 'https://ykpmcgklarfoqsorbdgf.supabase.co/storage/v1/object/public/chat_images/website-builder/user_35A0GQNPbrmBYhNARyEWRuwLh6I/1781107354146.jpg', color: '#eaaa00' }, { title: 'Refinance Savings Calculator', subtitle: 'Refinance', desc: 'See if refinancing makes sense for you. Plug in your numbers and get instant clarity.', cta: 'Get the Calculator', path: '/calculator', image: 'https://ykpmcgklarfoqsorbdgf.supabase.co/storage/v1/object/public/chat_images/website-builder/user_35A0GQNPbrmBYhNARyEWRuwLh6I/1781532056015.jpg', color: '#c4956a' }, { title: 'Credit Score Boost Guide', subtitle: 'Credit', desc: '7 proven strategies to raise your score 50+ points before you apply for a loan.', cta: 'Grab the Guide', path: '/contact', image: 'https://ykpmcgklarfoqsorbdgf.supabase.co/storage/v1/object/public/chat_images/website-builder/user_35A0GQNPbrmBYhNARyEWRuwLh6I/1781533930530.jpeg', color: '#8b9d83' }, ]; const contentCards = [ { title: '5 Things First-Time Buyers Get Wrong', subtitle: 'Blog', image: 'https://ykpmcgklarfoqsorbdgf.supabase.co/storage/v1/object/public/chat_images/website-builder/user_35A0GQNPbrmBYhNARyEWRuwLh6I/1781107359227.jpg', desc: 'Avoid these common mistakes that cost buyers thousands.' }, { title: 'How to Win a Bidding War', subtitle: 'Strategy', image: 'https://ykpmcgklarfoqsorbdgf.supabase.co/storage/v1/object/public/chat_images/website-builder/user_35A0GQNPbrmBYhNARyEWRuwLh6I/1781533925520.jpg', desc: 'Pre-approval letters, escalation clauses, and timing secrets.' }, { title: 'The Real Cost of Waiting', subtitle: 'Market Insights', image: 'https://ykpmcgklarfoqsorbdgf.supabase.co/storage/v1/object/public/chat_images/website-builder/user_35A0GQNPbrmBYhNARyEWRuwLh6I/1781532064463.jpg', desc: 'Why sitting on the fence costs more than buying now.' }, ]; const loanLibrary = [ { title: 'Conventional', subtitle: 'The Classic', desc: 'Traditional financing with competitive rates for well-qualified buyers. Conventional loans offer flexibility with fixed and adjustable rate options, and are ideal for borrowers with strong credit and stable income. Whether you are purchasing a primary residence or a second home, these loans provide predictable terms and straightforward qualification.', image: 'https://ykpmcgklarfoqsorbdgf.supabase.co/storage/v1/object/public/chat_images/website-builder/user_35A0GQNPbrmBYhNARyEWRuwLh6I/1781107365172.jpg', path: '/conventional-loans' }, { title: 'FHA', subtitle: 'First-Timer Friendly', desc: 'Government-insured loans backed by the Federal Housing Administration, making them ideal for first-time buyers with flexible credit requirements. With lower down payment options and more forgiving credit standards, FHA loans open the door to homeownership for buyers who may not qualify for conventional financing.', image: 'https://ykpmcgklarfoqsorbdgf.supabase.co/storage/v1/object/public/chat_images/website-builder/user_35A0GQNPbrmBYhNARyEWRuwLh6I/1781532050142.jpg', path: '/fha-loans' }, { title: 'VA', subtitle: 'Hero Benefit', desc: 'Exclusive benefits for eligible veterans, active-duty service members, and surviving spouses. VA loans offer one of the most powerful home financing options available, with no down payment required and no monthly mortgage insurance, making them a true benefit for those who served.', image: 'https://ykpmcgklarfoqsorbdgf.supabase.co/storage/v1/object/public/chat_images/website-builder/user_35A0GQNPbrmBYhNARyEWRuwLh6I/1781107370923.jpeg', path: '/va-loans' }, { title: 'USDA', subtitle: 'Rural Ready', desc: 'Zero down payment loans backed by the U.S. Department of Agriculture for eligible rural and suburban properties. Designed to help moderate-income buyers in qualifying areas, USDA loans offer affordable financing with below-market interest rates and reduced mortgage insurance costs.', image: 'https://ykpmcgklarfoqsorbdgf.supabase.co/storage/v1/object/public/chat_images/website-builder/user_35A0GQNPbrmBYhNARyEWRuwLh6I/1781107373540.jpg', path: '/usda-loans' }, { title: 'Jumbo', subtitle: 'Luxury Living', desc: 'Financing for high-value properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. Jumbo loans provide the flexibility to purchase luxury homes and investment properties with competitive rates and a variety of term options.', image: 'https://ykpmcgklarfoqsorbdgf.supabase.co/storage/v1/object/public/chat_images/website-builder/user_35A0GQNPbrmBYhNARyEWRuwLh6I/1781107378224.jpg', path: '/jumbo-loans' }, ]; const favorites = [ // First-Timer has no photo — replaced with a CSS-only "Guide Card" panel to avoid visual duplication with the Instagram/community image below. { title: 'First-Timer Essentials', image: null, desc: 'Everything you need to know before buying your first home.', cardColor: '#fff8e8' }, { title: 'Refinance Toolkit', image: 'https://ykpmcgklarfoqsorbdgf.supabase.co/storage/v1/object/public/chat_images/website-builder/user_35A0GQNPbrmBYhNARyEWRuwLh6I/1781532068306.jpg', desc: 'Calculators, checklists, and rate tracking tools.' }, { title: 'Credit Repair Guide', image: 'https://ykpmcgklarfoqsorbdgf.supabase.co/storage/v1/object/public/chat_images/website-builder/user_35A0GQNPbrmBYhNARyEWRuwLh6I/1781533929369.jpg', desc: 'Step-by-step plan to boost your score before applying.' }, ]; const handleEmailSubmit = (e) => { e.preventDefault(); if (!email.trim()) return; setEmailStatus('sending'); setTimeout(() => { setEmailStatus('sent'); setEmail(''); }, 1200); }; return (

Skip to main content {/* ── Clickable Top Banner ── */} {bannerVisible && (

Get pre-qualified in minutes. No credit pull required. Get pre-approved

)} {/* ── 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) => )}

)}

{/* ── Marquee Banner ── */}

Finding Home With Heart, Hustle & Hyve • Finding Home With Heart, Hustle & Hyve • Finding Home With Heart, Hustle & Hyve • Finding Home With Heart, Hustle & Hyve •

{/* ── Hero Section ── */}

Mortgage Loan Officer | NMLS {branding.nmls || '568624'}

Get the home
you've always
dreamed about.

Without losing your sanity along the way. I'm Melissa, a mortgage advisor who believes getting a loan should feel like talking to a friend who actually knows what they're doing.

{['MR', 'JD', 'AK', 'TS'].map((initial, i) => (

{initial}

))}

700+ families served

{/* ── "I'm Melissa" Section ── */}

Nice to meet you

I'm Melissa.
Your Mortgage
Advocate.

I am expert in helping first-time home buyers, investors, and self-employed turn their homeownership dreams into keys in their hands. With 15+ years in the finance industry and hundreds of closed loans, I know how to make the complex feel simple.

At Hyve Home Loans, we're your neighbors, your partners, and your biggest advocates on the journey to homeownership. No jargon. No pressure. Just clear answers and honest guidance.

{/* ── Sticky Image Parallax Section ── */}

Meet Melissa

"Your mortgage should feel like a conversation, not a transaction."

01. The Philosophy

More Than
Lenders.

At Hyve Home Loans, we're your neighbors, your partners, and your biggest advocates on the journey to homeownership. I don't just push paperwork - I build relationships that last long after closing day.

Whether you're a first-time buyer terrified of the process or a seasoned investor looking for portfolio lending options, I meet you exactly where you are.

02. The Process

Education
First.

As an education-based mortgage company, I provide helpful information so you can make confident decisions. No jargon. No pressure. Just clear answers and honest guidance.

From your first "what if" question to the moment you get your keys, I'm here to explain every step, every number, and every option.

03. The Promise

No Surprises.

What I quote is what you get. No hidden fees, no last-minute changes, no bait-and-switch rates. I believe in transparency because that's how trust is built.

Your dream home shouldn't wait, and neither should you. I close loans fast — without cutting corners.

{/* ── Scroll-Fade Words Section ── */}

What You'll Become

{scrollFadeWords.map((word, i) => (

{word}

))}

It all starts with one conversation. Tell me where you are, and I'll map out exactly how to get you there.

{/* ── Freebies Section ── */}

Free Resources

Freebies

Downloadable guides, calculators, and checklists to get you mortgage-ready.

{freebies.map((item, i) => (

{ e.currentTarget.style.borderColor = item.color; }} onMouseLeave={(e) => { e.currentTarget.style.borderColor = '#f0ebe4'; }}>

{item.subtitle}

{item.title}

{item.desc}

))}

{/* ── Stats + Popular Content ── */}

Not Your Average Lender

200+

Families Helped

Day Average Close

5.0

Star Rating

Years Experience

{contentCards.map((card, i) => (

navigate('/services')}>

{card.subtitle}

{card.title}

{card.desc}

))}

{/* ── Loan Library — Sticky Stack ── */}

{/* Left Column - Title */}

The Loan Library

Every Loan,
One Place.

Scroll to explore your options

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

))}

{/* Mobile Title */}

The Loan Library

Every Loan, One Place.

Scroll to explore your options

{/* Right Column - Cards */}

{loanLibrary.map((loan, index) => (

navigate(loan.path)} > {/* Title bar — visible as tab behind next card */}

{loan.title}

{loan.subtitle}

{/* Card body */}

{loan.desc}

))}

{/* ── "Melissa's Favorites" Section ── */}

Curated For You

Melissa's Favorites

{favorites.map((fav, i) => (

navigate('/services')}>

{fav.image ? ( {fav.title}

) : ( /* CSS-only decorative "Guide Card" — no image, no duplicate */

First-Timer Guide

10-step checklist

)}

{fav.title}

{fav.desc}

))}

{/* ── Instagram / Community Section ── */}

{/* CSS-only decorative community panel — replaces a duplicate photo with a stylized quote card. No image asset. */}

Hyve Stories

"Real homes.
Real people.
Real stories."

— Melissa R.

@hyvehomeloans

Tucson, AZ

Follow the Journey

Real Homes.
Real People.
Real Stories.

Follow along for behind-the-scenes closings, market tips, homebuyer advice, and the occasional celebration dance. I'm your mortgage friend who actually answers the phone.

{/* ── Newsletter / Email Section ── */}

Bringing Real to Your Inbox

Get Mortgage Tips That Actually Help

No spam. No sales pitches. Just honest mortgage advice, market updates, and first dibs on new resources.

{emailStatus === 'sent' ? (

You're in! Check your inbox soon.

) : ( )}

{/* ── "Start a Discussion" Three-Button Section (matches hyvehomeloans.com footer pattern) ── */}

Pick Your Path

Start a Discussion About Your
Mortgage Needs Today

{/* Calculator — opens the secure portal where you can run scenarios before applying */} {/* Apply Online — sends the user straight to the secure 1003 app */} {/* Blog / Learning Center — leads to contact for educational questions */}

{/* ── CTA Section ── */} {/* ── CTA Section ── */}

Ready to Make
Your Move?

Let's talk about where you are and where you want to be. No pressure, no commitment — just honest answers.

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

{/* ── Footer ── */}

); }

Get the homeyou've always dreamed about.

I'm Melissa.Your MortgageAdvocate.

More ThanLenders.

EducationFirst.