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1<!DOCTYPE html><html lang="en" class="inter_6adabb9e-module__hRpWoq__variable"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width, initial-scale=1"/><link rel="preload" href="/_next/static/media/83afe278b6a6bb3c-s.p.0q-301v4kxxnr.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preload" as="image" imageSrcSet="/_next/image?url=%2Flogo.png&amp;w=256&amp;q=75 1x, /_next/image?url=%2Flogo.png&amp;w=384&amp;q=75 2x"/><link rel="preload" as="image" imageSrcSet="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=640&amp;q=75 640w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=750&amp;q=75 750w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=828&amp;q=75 828w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=1080&amp;q=75 1080w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=1200&amp;q=75 1200w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=1920&amp;q=75 1920w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=2048&amp;q=75 2048w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=3840&amp;q=75 3840w" imageSizes="100vw"/><link rel="stylesheet" href="/_next/static/chunks/0eeoge4bszhns.css" data-precedence="next"/><link rel="preload" as="script" fetchPriority="low" href="/_next/static/chunks/0chrkro2zn8ez.js"/>
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1<link rel="icon" href="/icon.png?v=2" type="image/png" sizes="48x48"/><link rel="icon" href="/favicon.ico?v=2" sizes="any"/><meta name="next-size-adjust" content=""/><title>Zoom Home Lending | We Know The Way Home</title><meta name="description" content="Fast, transparent mortgage lending in 40+ states. Purchase, refinance, VA, FHA, USDA, jumbo loans and more. NMLS #2620616."/><meta property="og:title" content="Zoom Home Lending | We Know The Way Home"/><meta property="og:description" content="Fast, transparent mortgage lending in 40+ states. Purchase, refinance, VA, FHA, USDA, jumbo loans and more."/><meta property="og:url" content="https://zoomhomelending.com"/><meta property="og:type" content="website"/><meta name="twitter:card" content="summary"/><meta name="twitter:title" content="Zoom Home Lending | We Know The Way Home"/><meta name="twitter:description" content="Fast, transparent mortgage lending in 40+ states. Purchase, refinance, VA, FHA, USDA, jumbo loans and more."/><link rel="icon" href="/icon.png"/><link rel="apple-touch-icon" href="/apple-icon.png"/>
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1</head><body><div hidden=""><!--$--><!--/$--></div><nav class="sticky top-0 z-50 bg-navy"><div class="max-w-7xl mx-auto flex items-center justify-between px-4 md:px-8 h-[64px]"><a href="/"><img alt="Zoom Home Lending" width="160" height="40" decoding="async" data-nimg="1" class="h-8 w-auto md:h-10 logo-white" style="color:transparent" srcSet="/_next/image?url=%2Flogo.png&amp;w=256&amp;q=75 1x, /_next/image?url=%2Flogo.png&amp;w=384&amp;q=75 2x" src="/_next/image?url=%2Flogo.png&amp;w=384&amp;q=75"/></a><div class="hidden md:flex items-center gap-1"><a class="px-4 py-2 text-[15px] font-medium text-white/80 hover:text-white transition-colors rounded-lg hover:bg-white/5" href="/loan-options">Buy</a><a class="px-4 py-2 text-[15px] font-medium text-white/80 hover:text-white transition-colors rounded-lg hover:bg-white/5" href="/refinance">Refinance</a><a class="px-4 py-2 text-[15px] font-medium text-white/80 hover:text-white transition-colors rounded-lg hover:bg-white/5" href="/home-equity">Home Equity</a><a class="px-4 py-2 text-[15px] font-medium text-white/80 hover:text-white transition-colors rounded-lg hover:bg-white/5" href="/va-eligibility">VA Loans</a><a class="px-4 py-2 text-[15px] font-medium text-white/80 hover:text-white transition-colors rounded-lg hover:bg-white/5" href="/calculator">Calculator</a><a class="px-4 py-2 text-[15px] font-medium text-white/80 hover:text-white transition-colors rounded-lg hover:bg-white/5" href="/about">About Us</a></div><div class="hidden md:flex items-center gap-3"><a href="tel:8006283183" class="flex items-center gap-1.5 text-white/70 hover:text-white text-sm font-medium transition-colors"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-phone w-3.5 h-3.5" aria-hidden="true"><path d="M13.832 16.568a1 1 0 0 0 1.213-.303l.355-.465A2 2 0 0 1 17 15h3a2 2 0 0 1 2 2v3a2 2 0 0 1-2 2A18 18 0 0 1 2 4a2 2 0 0 1 2-2h3a2 2 0 0 1 2 2v3a2 2 0 0 1-.8 1.6l-.468.351a1 1 0 0 0-.292 1.233 14 14 0 0 0 6.392 6.384"></path></svg>(800) 628-3183</a><a class="btn-gradient px-5 py-2 rounded-full text-sm font-semibold text-white" href="/pre-approval">Get Started</a></div><button class="md:hidden p-2" aria-label="Toggle menu"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-menu w-6 h-6 text-white" aria-hidden="true"><path d="M4 5h16"></path><path d="M4 12h16"></path><path d="M4 19h16"></path></svg></button></div></nav><main><section class="relative overflow-hidden"><div class="absolute inset-0"><img alt="" decoding="async" data-nimg="fill" class="object-cover" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=640&amp;q=75 640w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=750&amp;q=75 750w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=828&amp;q=75 828w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=1080&amp;q=75 1080w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=1200&amp;q=75 1200w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=1920&amp;q=75 1920w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=2048&amp;q=75 2048w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=3840&amp;q=75"/><div class="absolute inset-0 bg-navy/85"></div><div class="absolute inset-0" style="background:radial-gradient(ellipse 80% 60% at 70% 40%, rgba(37,99,235,0.2) 0%, transparent 70%)"></div></div><div class="relative mx-auto max-w-7xl px-6 py-20 md:py-24 lg:py-28"><div class="grid items-center gap-12 lg:grid-cols-2 lg:gap-16"><div><h1 class="text-4xl font-bold leading-tight tracking-tight text-gradient md:text-5xl lg:text-6xl" style="opacity:0;transform:translateY(30px)">We Know The Way Home</h1><p class="mt-5 max-w-lg text-lg text-white/80" style="opacity:0;transform:translateY(20px)">Chat with Zoey to get started. She&#x27;ll walk you through your options in minutes.</p><div class="mt-10 grid grid-cols-2 gap-3 sm:grid-cols-4" style="opacity:0;transform:translateY(20px)"><div class="glass-card flex flex-col items-center rounded-xl px-4 py-3"><span class="text-xl font-bold text-white">$1B+</span><span class="mt-0.5 text-xs text-white/60">Funded</span></div><div class="glass-card flex flex-col items-center rounded-xl px-4 py-3"><span class="text-xl font-bold text-white">10K+</span><span class="mt-0.5 text-xs text-white/60">Families</span></div><div class="glass-card flex flex-col items-center rounded-xl px-4 py-3"><span class="text-xl font-bold text-white">12-Day</span><span class="mt-0.5 text-xs text-white/60">Avg Close</span></div><div class="glass-card flex flex-col items-center rounded-xl px-4 py-3"><span class="text-xl font-bold text-white">5.0</span><span class="mt-0.5 text-xs text-white/60">Rating</span></div></div><div class="mt-8 flex flex-wrap gap-3" style="opacity:0;transform:translateY(20px)"><a class="inline-flex items-center gap-2 rounded-full border border-white/30 bg-white/10 backdrop-blur-sm px-6 py-2.5 text-sm font-semibold text-white transition-colors hover:bg-white/20" href="/loan-options">Explore Loan Options<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right h-3.5 w-3.5" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></a><a href="tel:8006283183" class="inline-flex items-center gap-2 rounded-full border border-white/30 bg-white/10 backdrop-blur-sm px-6 py-2.5 text-sm font-semibold text-white transition-colors hover:bg-white/20"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-phone h-3.5 w-3.5" aria-hidden="true">
1<path d="M13.832 16.568a1 1 0 0 0 1.213-.303l.355-.465A2 2 0 0 1 17 15h3a2 2 0 0 1 2 2v3a2 2 0 0 1-2 2A18 18 0 0 1 2 4a2 2 0 0 1 2-2h3a2 2 0 0 1 2 2v3a2 2 0 0 1-.8 1.6l-.468.351a1 1 0 0 0-.292 1.233 14 14 0 0 0 6.392 6.384"></path></svg>(800) 628-3183</a></div></div><div style="opacity:0;transform:translateY(40px)"><div class="w-full max-w-lg mx-auto"><div class="bg-white rounded-2xl border border-gray-200 shadow-lg overflow-hidden flex flex-col" style="height:min(640px, 80vh)"><div class="flex items-center gap-3 px-5 py-4 border-b border-gray-100 bg-white"><div class="relative flex-shrink-0"><img alt="Zoey, your AI mortgage assistant" loading="lazy" width="42" height="42" decoding="async" data-nimg="1" class="rounded-full object-cover " style="color:transparent;width:42px;height:42px" srcSet="/_next/image?url=%2Fzoey.png&amp;w=48&amp;q=75 1x, /_next/image?url=%2Fzoey.png&amp;w=96&amp;q=75 2x" src="/_next/image?url=%2Fzoey.png&amp;w=96&amp;q=75"/><span class="absolute bottom-0 right-0 w-2.5 h-2.5 bg-success border-2 border-white rounded-full"></span></div><div class="flex-1 min-w-0"><div class="text-charcoal font-semibold text-sm leading-tight">Zoey</div><div class="text-xs text-slate">Zoom Home Lending</div></div><a href="tel:8006283183" class="w-9 h-9 rounded-full bg-blue/10 flex items-center justify-center hover:bg-blue/20 transition-colors"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-phone w-4 h-4 text-blue" aria-hidden="true"><path d="M13.832 16.568a1 1 0 0 0 1.213-.303l.355-.465A2 2 0 0 1 17 15h3a2 2 0 0 1 2 2v3a2 2 0 0 1-2 2A18 18 0 0 1 2 4a2 2 0 0 1 2-2h3a2 2 0 0 1 2 2v3a2 2 0 0 1-.8 1.6l-.468.351a1 1 0 0 0-.292 1.233 14 14 0 0 0 6.392 6.384"></path></svg></a></div><div class="flex-1 flex flex-col gap-3 px-4 py-4 overflow-y-auto bg-off-white"><div class="flex gap-2.5 items-end animate-fadeIn"><img alt="Zoey, your AI mortgage assistant" loading="lazy" width="28" height="28" decoding="async" data-nimg="1" class="rounded-full object-cover flex-shrink-0 mb-5" style="color:transparent;width:28px;height:28px" srcSet="/_next/image?url=%2Fzoey.png&amp;w=32&amp;q=75 1x, /_next/image?url=%2Fzoey.png&amp;w=64&amp;q=75 2x" src="/_next/image?url=%2Fzoey.png&amp;w=64&amp;q=75"/><div class="max-w-[85%]"><div class="bg-warm-gray text-charcoal text-sm px-4 py-3 rounded-2xl rounded-bl-md leading-relaxed">Hi, I&#x27;m Zoey from Zoom Home Lending. What brings you in today?</div></div></div></div><div class="px-4 py-3 bg-white border-t border-gray-100"><form class="flex items-center gap-2"><div class="flex-1 flex items-center bg-off-white border border-gray-200 rounded-full px-4 py-2.5"><input type="text" placeholder="Type a message..." class="flex-1 bg-transparent text-charcoal text-sm placeholder:text-slate/50 focus:outline-none disabled:opacity-50" value=""/></div><button type="submit" disabled="" class="w-9 h-9 rounded-full bg-blue text-white flex items-center justify-center disabled:opacity-30 flex-shrink-0 transition hover:bg-blue/90" aria-label="Send"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-send w-4 h-4" aria-hidden="true"><path d="M14.536 21.686a.5.5 0 0 0 .937-.024l6.5-19a.496.496 0 0 0-.635-.635l-19 6.5a.5.5 0 0 0-.024.937l7.93 3.18a2 2 0 0 1 1.112 1.11z"></path><path d="m21.854 2.147-10.94 10.939"></path></svg></button></form></div></div><div class="text-center mt-3 text-[10px] text-slate/60">Zoom Home Lending, LLC — NMLS #2620616</div></div></div></div></div></section><section class="bg-white border-b border-gray-100 py-4 overflow-hidden"><div class="flex animate-marquee whitespace-nowrap"><div class="flex items-center"><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>NMLS #2620616</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>5-Star Rating</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>No Credit Check to Start</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>40+ States Licensed</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>Close in 12 Days</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>10,000+ Families Helped</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>Equal Housing Lender</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>VA Loan Specialists</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>100% Free Pre-Approval</span></div><div class="flex items-center"><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>NMLS #2620616</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>5-Star Rating</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>No Credit Check to Start</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>40+ States Licensed</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>Close in 12 Days</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>10,000+ Families Helped</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>Equal Housing Lender</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>VA Loan Specialists</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>100% Free Pre-Approval</span></div><div class="flex items-center"><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>NMLS #2620616</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>5-Star Rating</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>No Credit Check to Start</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>40+ States Licensed</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>Close in 12 Days</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>10,000+ Families Helped</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>Equal Housing Lender</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>VA Loan Specialists</span><span class="mx-8 flex items-center gap-2 text-sm font-medium text-slate"><span class="h-1.5 w-1.5 rounded-full bg-blue"></span>100% Free Pre-Approval</span></div></div></section><section class="bg-white py-16 md:py-20"><div class="mx-auto max-w-5xl px-6"><div class="grid grid-cols-1 sm:grid-cols-3 gap-5 items-stretch"><div class="h-full h-full" style="opacity:0;transform:translateY(30px)"><a class="group flex items-center justify-between rounded-2xl border border-gray-200 bg-white px-7 py-7 transition-all hover:shadow-lg hover:border-blue/30 hover:-translate-y-1 h-full" href="/loan-options"><div class="flex items-center gap-4"><div class="flex h-12 w-12 items-center justify-center rounded-xl bg-blue/10 text-blue group-hover:bg-blue group-hover:text-white transition-colors"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-house h-6 w-6" aria-hidden="true"><path d="M15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8"></path><path d="M3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z"></path></svg></div><div><span class="text-lg font-semibold text-charcoal block">Buying</span><span class="text-sm text-slate">Find your dream home</span></div></div><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right h-5 w-5 text-gray-300 group-hover:text-blue group-hover:translate-x-1 transition-all" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></a></div><div class="h-full h-full" style="opacity:0;transform:translateY(30px)"><a class="group flex items-center justify-between rounded-2xl border border-gray-200 bg-white px-7 py-7 transition-all hover:shadow-lg hover:border-blue/30 hover:-translate-y-1 h-full" href="/refinance"><div class="flex items-center gap-4"><div class="flex h-12 w-12 items-center justify-center rounded-xl bg-blue/10 text-blue group-hover:bg-blue group-hover:text-white transition-colors"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-repeat h-6 w-6" aria-hidden="true"><path d="m17 2 4 4-4 4"></path><path d="M3 11v-1a4 4 0 0 1 4-4h14"></path><path d="m7 22-4-4 4-4"></path><path d="M21 13v1a4 4 0 0 1-4 4H3"></path></svg></div><div><span class="text-lg font-semibold text-charcoal block">Refinancing</span><span class="text-sm text-slate">Lower your rate or term</span></div></div><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right h-5 w-5 text-gray-300 group-hover:text-blue group-hover:translate-x-1 transition-all" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></a></div><div class="h-full h-full" style="opacity:0;transform:translateY(30px)"><a class="group flex items-center justify-between rounded-2xl border border-gray-200 bg-white px-7 py-7 transition-all hover:shadow-lg hover:border-blue/30 hover:-translate-y-1 h-full" href="/home-equity"><div class="flex items-center gap-4"><div class="flex h-12 w-12 items-center justify-center rounded-xl bg-blue/10 text-blue group-hover:bg-blue group-hover:text-white transition-colors"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-credit-card h-6 w-6" aria-hidden="true"><rect width="20" height="14" x="2" y="5" rx="2"></rect>
1<line x1="2" x2="22" y1="10" y2="10"></line></svg></div><div><span class="text-lg font-semibold text-charcoal block">Home Equity</span><span class="text-sm text-slate">Unlock your home&#x27;s value</span></div></div><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right h-5 w-5 text-gray-300 group-hover:text-blue group-hover:translate-x-1 transition-all" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></a></div></div></div></section><section class="bg-off-white py-24 md:py-32"><div class="mx-auto max-w-7xl px-6"><div class="text-center mb-14" style="opacity:0;transform:translateY(40px)"><div class="mx-auto flex h-12 w-12 items-center justify-center rounded-full bg-white shadow-sm mb-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calculator h-5 w-5 text-blue" aria-hidden="true"><rect width="16" height="20" x="4" y="2" rx="2"></rect><line x1="8" x2="16" y1="6" y2="6"></line><line x1="16" x2="16" y1="14" y2="18"></line><path d="M16 10h.01"></path><path d="M12 10h.01"></path><path d="M8 10h.01"></path><path d="M12 14h.01"></path><path d="M8 14h.01"></path><path d="M12 18h.01"></path><path d="M8 18h.01"></path></svg></div><h2 class="text-3xl font-bold text-charcoal md:text-4xl">Mortgage Calculator</h2><p class="mx-auto mt-4 max-w-xl text-slate">Estimate your monthly payment and plan your home purchase.</p></div><div class="" style="opacity:0;transform:translateY(40px)"><div class="mx-auto max-w-4xl grid gap-8 lg:grid-cols-2 items-start"><div class="space-y-6 bg-white rounded-2xl shadow-sm p-6 md:p-8"><div class="flex rounded-xl bg-gray-100 p-1"><button class="flex-1 py-2 rounded-lg text-sm font-semibold transition-all bg-white text-charcoal shadow-sm">Purchase</button><button class="flex-1 py-2 rounded-lg text-sm font-semibold transition-all text-slate hover:text-charcoal">Refinance</button><button class="flex-1 py-2 rounded-lg text-sm font-semibold transition-all text-slate hover:text-charcoal">Home Equity</button></div><div><div class="flex justify-between items-center mb-2"><label class="flex items-center gap-2 text-sm text-slate font-medium"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-house w-4 h-4 text-blue" aria-hidden="true"><path d="M15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8"></path><path d="M3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z"></path></svg> <!-- -->Home Price</label><span class="text-base font-bold text-charcoal">$<!-- -->350,000</span></div><input type="range" min="50000" max="2000000" step="5000" class="w-full h-1.5 bg-gray-200 rounded-full appearance-none cursor-pointer" value="350000"/><div class="flex justify-between text-xs text-slate/50 mt-1"><span>$50K</span><span>$2M</span></div></div><div><div class="flex justify-between items-center mb-2"><label class="flex items-center gap-2 text-sm text-slate font-medium"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-dollar-sign w-4 h-4 text-blue" aria-hidden="true"><line x1="12" x2="12" y1="2" y2="22"></line><path d="M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6"></path></svg> <!-- -->Down Payment</label><span class="text-base font-bold text-charcoal">$<!-- -->70,000<!-- --> (20%)</span></div><input type="range" min="0" max="350000" step="5000" class="w-full h-1.5 bg-gray-200 rounded-full appearance-none cursor-pointer" value="70000"/><div class="flex justify-between text-xs text-slate/50 mt-1"><span>$0</span><span>$<!-- -->350,000</span></div></div><div><div class="flex justify-between items-center mb-2"><label class="flex items-center gap-2 text-sm text-slate font-medium"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-percent w-4 h-4 text-blue" aria-hidden="true">
1<line x1="19" x2="5" y1="5" y2="19"></line><circle cx="6.5" cy="6.5" r="2.5"></circle><circle cx="17.5" cy="17.5" r="2.5"></circle></svg> Interest Rate</label><span class="text-base font-bold text-charcoal">6.5<!-- -->%</span></div><input type="range" min="1" max="12" step="0.125" class="w-full h-1.5 bg-gray-200 rounded-full appearance-none cursor-pointer" value="6.5"/><div class="flex justify-between text-xs text-slate/50 mt-1"><span>1%</span><span>12%</span></div></div><div><div class="flex justify-between items-center mb-2"><label class="flex items-center gap-2 text-sm text-slate font-medium"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calendar w-4 h-4 text-blue" aria-hidden="true"><path d="M8 2v4"></path><path d="M16 2v4"></path><rect width="18" height="18" x="3" y="4" rx="2"></rect><path d="M3 10h18"></path></svg> Loan Term</label></div><div class="flex gap-3"><button class="flex-1 py-2.5 rounded-xl text-sm font-semibold transition-colors bg-gray-100 text-slate hover:bg-gray-200">15<!-- --> yr</button><button class="flex-1 py-2.5 rounded-xl text-sm font-semibold transition-colors bg-gray-100 text-slate hover:bg-gray-200">20<!-- --> yr</button><button class="flex-1 py-2.5 rounded-xl text-sm font-semibold transition-colors btn-gradient text-white">30<!-- --> yr</button></div></div></div><div class="bg-white rounded-2xl shadow-sm p-6 md:p-8 text-center"><p class="text-sm text-slate mb-2">Estimated Monthly Payment</p><p class="text-5xl md:text-6xl font-bold text-gradient" style="opacity:0;transform:scale(0.9)">$<!-- -->1,770</p><p class="text-xs text-slate/60 mt-2">Principal &amp; Interest only</p><div class="mt-8 space-y-3 text-left"><div class="flex justify-between text-sm border-b border-gray-50 pb-2"><span class="text-slate">Loan Amount</span><span class="font-semibold text-charcoal">$280,000</span></div><div class="flex justify-between text-sm border-b border-gray-50 pb-2"><span class="text-slate">Total Interest</span><span class="font-semibold text-charcoal">$357,200</span></div><div class="flex justify-between text-sm border-b border-gray-50 pb-2"><span class="text-slate">Total Cost</span><span class="font-semibold text-charcoal">$637,200</span></div></div><a class="btn-gradient mt-8 inline-flex items-center gap-2 rounded-full px-8 py-3 text-sm font-semibold text-white w-full justify-center" href="/pre-approval">Get Pre-Approved<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right h-4 w-4" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></a></div></div></div></div></section><section class="bg-off-white py-24 md:py-32"><div class="mx-auto max-w-7xl px-6"><div class="text-center" style="opacity:0;transform:translateY(40px)"><h2 class="text-3xl font-bold text-charcoal md:text-4xl">Simple 3-Step Process</h2><p class="mx-auto mt-4 max-w-xl text-slate">We streamlined the mortgage process so you can focus on finding your dream home.</p></div><div class="mt-16 grid gap-8 md:grid-cols-3"><div class="h-full h-full" style="opacity:0;transform:translateY(30px)"><div class="group overflow-hidden rounded-2xl bg-white shadow-sm transition-all hover:shadow-lg hover:-translate-y-1 h-full flex flex-col"><div class="relative h-48 overflow-hidden"><img alt="Apply Online" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-700 group-hover:scale-110" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-6726b3ff858f%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=640&amp;q=75 640w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-6726b3ff858f%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=750&amp;q=75 750w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-6726b3ff858f%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=828&amp;q=75 828w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-6726b3ff858f%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=1080&amp;q=75 1080w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-6726b3ff858f%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=1200&amp;q=75 1200w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-6726b3ff858f%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=1920&amp;q=75 1920w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-6726b3ff858f%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=2048&amp;q=75 2048w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-6726b3ff858f%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1554224155-6726b3ff858f%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=3840&amp;q=75"/><div class="absolute inset-0 bg-gradient-to-t from-black/40 to-transparent"></div><div class="absolute top-4 left-4 flex h-10 w-10 items-center justify-center rounded-full bg-white shadow-md"><span class="text-gradient text-lg font-bold">1</span></div><span class="absolute bottom-4 right-4 inline-flex items-center gap-1.5 rounded-full bg-white/90 backdrop-blur-sm px-3 py-1 text-xs font-semibold text-teal"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clock h-3 w-3" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 6v6l4 2"></path></svg>~10 min</span></div><div class="p-6 flex-1 flex flex-col"><div class="flex items-center gap-3 mb-3"><div class="flex h-10 w-10 items-center justify-center rounded-xl bg-off-white text-blue"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clipboard-check h-5 w-5" aria-hidden="true"><rect width="8" height="4" x="8" y="2" rx="1" ry="1"></rect><path d="M16 4h2a2 2 0 0 1 2 2v14a2 2 0 0 1-2 2H6a2 2 0 0 1-2-2V6a2 2 0 0 1 2-2h2"></path><path d="m9 14 2 2 4-4"></path></svg></div><h3 class="text-lg font-semibold text-charcoal">Apply Online</h3></div><p class="text-sm leading-relaxed text-slate flex-1">Complete our simple, secure application from any device. Most clients finish in under 10 minutes.</p></div></div></div><div class="h-full h-full" style="opacity:0;transform:translateY(30px)"><div class="group overflow-hidden rounded-2xl bg-white shadow-sm transition-all hover:shadow-lg hover:-translate-y-1 h-full flex flex-col"><div class="relative h-48 overflow-hidden"><img alt="Get Your Options" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-700 group-hover:scale-110" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=640&amp;q=75 640w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=750&amp;q=75 750w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=828&amp;q=75 828w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=1080&amp;q=75 1080w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=1200&amp;q=75 1200w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=1920&amp;q=75 1920w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=2048&amp;q=75 2048w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1560518883-ce09059eeffa%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=3840&amp;q=75"/><div class="absolute inset-0 bg-gradient-to-t from-black/40 to-transparent"></div><div class="absolute top-4 left-4 flex h-10 w-10 items-center justify-center rounded-full bg-white shadow-md"><span class="text-gradient text-lg font-bold">2</span></div><span class="absolute bottom-4 right-4 inline-flex items-center gap-1.5 rounded-full bg-white/90 backdrop-blur-sm px-3 py-1 text-xs font-semibold text-teal"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clock h-3 w-3" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 6v6l4 2"></path></svg>~24 hrs</span></div><div class="p-6 flex-1 flex flex-col"><div class="flex items-center gap-3 mb-3"><div class="flex h-10 w-10 items-center justify-center rounded-xl bg-off-white text-blue"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-search h-5 w-5" aria-hidden="true"><path d="m21 21-4.34-4.34"></path><circle cx="11" cy="11" r="8"></circle></svg></div><h3 class="text-lg font-semibold text-charcoal">Get Your Options</h3></div><p class="text-sm leading-relaxed text-slate flex-1">A dedicated loan officer reviews your profile and presents the best rates and programs for your situation.</p></div></div></div><div class="h-full h-full" style="opacity:0;transform:translateY(30px)"><div class="group overflow-hidden rounded-2xl bg-white shadow-sm transition-all hover:shadow-lg hover:-translate-y-1 h-full flex flex-col"><div class="relative h-48 overflow-hidden"><img alt="Close &amp; Move In" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-700 group-hover:scale-110" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=640&amp;q=75 640w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=750&amp;q=75 750w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=828&amp;q=75 828w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=1080&amp;q=75 1080w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=1200&amp;q=75 1200w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=1920&amp;q=75 1920w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=2048&amp;q=75 2048w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600596542815-ffad4c1539a9%3Fauto%3Dformat%26fit%3Dcrop%26w%3D600%26q%3D80&amp;w=3840&amp;q=75"/><div class="absolute inset-0 bg-gradient-to-t from-black/40 to-transparent"></div><div class="absolute top-4 left-4 flex h-10 w-10 items-center justify-center rounded-full bg-white shadow-md"><span class="text-gradient text-lg font-bold">3</span></div><span class="absolute bottom-4 right-4 inline-flex items-center gap-1.5 rounded-full bg-white/90 backdrop-blur-sm px-3 py-1 text-xs font-semibold text-teal"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clock h-3 w-3" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 6v6l4 2"></path></svg>~12 days</span></div><div class="p-6 flex-1 flex flex-col"><div class="flex items-center gap-3 mb-3"><div class="flex h-10 w-10 items-center justify-center rounded-xl bg-off-white text-blue"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-house h-5 w-5" aria-hidden="true"><path d="M15 21v-8a1 1 0 0 0-1-1h-4a1 1 0 0 0-1 1v8"></path><path d="M3 10a2 2 0 0 1 .709-1.528l7-6a2 2 0 0 1 2.582 0l7 6A2 2 0 0 1 21 10v9a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z"></path></svg></div><h3 class="text-lg font-semibold text-charcoal">Close &amp; Move In</h3></div><p class="text-sm leading-relaxed text-slate flex-1">We handle the details so you can focus on what matters. Our average close time beats the industry by weeks.</p></div></div></div></div></div></section><section class="relative overflow-hidden py-32 md:py-40"><div class="absolute inset-0"><img alt="" loading="lazy" decoding="async" data-nimg="fill" class="object-cover" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=640&amp;q=75 640w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=750&amp;q=75 750w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=828&amp;q=75 828w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=1080&amp;q=75 1080w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=1200&amp;q=75 1200w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=1920&amp;q=75 1920w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=2048&amp;q=75 2048w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D1920%26q%3D80&amp;w=3840&amp;q=75"/><div class="absolute inset-0 bg-navy/70"></div></div><div class="relative mx-auto max-w-7xl px-6 text-center"><div class="" style="opacity:0;transform:translateY(40px)"><h2 class="text-4xl font-bold text-white md:text-5xl">Find Your Dream Home Today</h2><p class="mx-auto mt-5 max-w-lg text-lg text-white/80">Expert guidance every step of the way — from browsing to owning.</p><div class="mt-10 flex flex-col items-center justify-center gap-4 sm:flex-row"><a class="btn-gradient inline-flex items-center gap-2 rounded-full px-8 py-3.5 text-base font-semibold text-white shadow-lg transition-transform hover:scale-[1.02]" href="/pre-approval">Get Pre-Approved<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" str
1oke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right h-4 w-4" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></a><a class="inline-flex items-center gap-2 rounded-full border border-white/40 bg-white/10 backdrop-blur-sm px-8 py-3.5 text-base font-semibold text-white transition-colors hover:bg-white/20" href="/loan-options">View All Programs</a></div></div></div></section><section class="bg-white py-24 md:py-32"><div class="mx-auto max-w-7xl px-6"><div class="text-center mb-14" style="opacity:0;transform:translateY(40px)"><span class="inline-flex items-center gap-2 rounded-full bg-blue/10 px-4 py-1.5 text-sm font-medium text-blue"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-book-open h-4 w-4" aria-hidden="true"><path d="M12 7v14"></path><path d="M3 18a1 1 0 0 1-1-1V4a1 1 0 0 1 1-1h5a4 4 0 0 1 4 4 4 4 0 0 1 4-4h5a1 1 0 0 1 1 1v13a1 1 0 0 1-1 1h-6a3 3 0 0 0-3 3 3 3 0 0 0-3-3z"></path></svg>Guides</span><h2 class="mt-4 text-3xl font-bold text-charcoal md:text-4xl">Resources to Help You</h2></div><div class="grid gap-8 md:grid-cols-2"><div class="" style="opacity:0;transform:translateX(-80px)"><a class="group block overflow-hidden rounded-2xl bg-white shadow-sm transition-all hover:shadow-xl hover:-translate-y-1" href="/mortgage-101"><div class="relative h-64 overflow-hidden"><img alt="How to Buy a Home" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-700 group-hover:scale-105" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=640&amp;q=75 640w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=750&amp;q=75 750w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=828&amp;q=75 828w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=1080&amp;q=75 1080w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=1200&amp;q=75 1200w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=1920&amp;q=75 1920w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=2048&amp;q=75 2048w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600585154340-be6161a56a0c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=3840&amp;q=75"/><div class="absolute inset-0 bg-gradient-to-t from-black/50 via-transparent to-transparent"></div><div class="absolute bottom-0 left-0 right-0 p-6"><h3 class="text-2xl font-bold text-white">How to Buy a Home</h3></div></div><div class="p-6"><p class="text-sm leading-relaxed text-slate">From pre-approval to closing day, our step-by-step guide walks you through the entire home buying process.</p><span class="mt-4 inline-flex items-center gap-2 text-sm font-semibold text-blue group-hover:gap-3 transition-all">Learn More <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-right h-4 w-4" aria-hidden="true"><path d="m9 18 6-6-6-6"></path></svg></span></div></a></div><div class="" style="opacity:0;transform:translateX(80px)"><a class="group block overflow-hidden rounded-2xl bg-white shadow-sm transition-all hover:shadow-xl hover:-translate-y-1" href="/refinance"><div class="relative h-64 overflow-hidden"><img alt="How to Refinance" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-700 group-hover:scale-105" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="100vw" srcSet="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600607687939-ce8a6c25118c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=640&amp;q=75 640w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600607687939-ce8a6c25118c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=750&amp;q=75 750w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600607687939-ce8a6c25118c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=828&amp;q=75 828w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600607687939-ce8a6c25118c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=1080&amp;q=75 1080w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600607687939-ce8a6c25118c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=1200&amp;q=75 1200w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600607687939-ce8a6c25118c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=1920&amp;q=75 1920w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600607687939-ce8a6c25118c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=2048&amp;q=75 2048w, /_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600607687939-ce8a6c25118c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=https%3A%2F%2Fimages.unsplash.com%2Fphoto-1600607687939-ce8a6c25118c%3Fauto%3Dformat%26fit%3Dcrop%26w%3D800%26q%3D80&amp;w=3840&amp;q=75"/><div class="absolute inset-0 bg-gradient-to-t from-black/50 via-trans
1parent to-transparent"></div><div class="absolute bottom-0 left-0 right-0 p-6"><h3 class="text-2xl font-bold text-white">How to Refinance</h3></div></div><div class="p-6"><p class="text-sm leading-relaxed text-slate">Learn when refinancing makes sense, how the process works, and the potential savings from lowering your rate.</p><span class="mt-4 inline-flex items-center gap-2 text-sm font-semibold text-blue group-hover:gap-3 transition-all">Learn More <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-right h-4 w-4" aria-hidden="true"><path d="m9 18 6-6-6-6"></path></svg></span></div></a></div></div></div></section><section class="bg-off-white py-24 md:py-32"><div class="mx-auto max-w-3xl px-6"><div class="text-center mb-12" style="opacity:0;transform:translateY(40px)"><h2 class="text-3xl font-bold text-charcoal md:text-4xl">What Our Clients Say</h2><p class="mx-auto mt-4 max-w-xl text-slate">Real stories from real homeowners across the country.</p></div><div class="" style="opacity:0;transform:translateY(40px)"><div class="relative"><div class="overflow-hidden rounded-2xl bg-white shadow-lg"><div class="p-8 md:p-12" style="opacity:0;transform:translateX(60px)"><div class="flex gap-1 mb-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star h-5 w-5 fill-amber-400 text-amber-400" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star h-5 w-5 fill-amber-400 text-amber-400" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star h-5 w-5 fill-amber-400 text-amber-400" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star h-5 w-5 fill-amber-400 text-amber-400" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-star h-5 w-5 fill-amber-400 text-amber-400" aria-hidden="true"><path d="M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z"></path></svg></div><blockquote class="text-lg md:text-xl leading-relaxed text-charcoal">“<!-- -->The team at Zoom made the entire process seamless. From pre-approval to closing, they were with us every step of the way.<!-- -->”</blockquote><div class="mt-6 flex items-center gap-4"><div class="h-12 w-12 rounded-full bg-gradient-to-br from-blue to-teal flex items-center justify-center text-white font-bold text-lg">S</div><div><p class="font-semibold text-charcoal">Satisfied Homebuyer</p><p class="text-sm text-slate">First-Time Buyer, Michigan</p></div></div></div></div><div class="mt-6 flex items-center justify-center gap-4"><button class="flex h-10 w-10 items-center justify-center rounded-full bg-white shadow-md hover:shadow-lg transition-shadow" aria-label="Previous review"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-left h-4 w-4 text-charcoal" aria-hidden="true"><path d="m12 19-7-7 7-7"></path><path d="M19 12H5"></path></svg></button><div class="flex gap-2"><button class="h-2.5 rounded-full transition-all w-8 bg-blue" aria-label="Show review 1"></button><button class="h-2.5 rounded-full transition-all w-2.5 bg-gray-300 hover:bg-gray-400" aria-label="Show review 2"></button><button class="h-2.5 rounded-full transition-all w-2.5 bg-gray-300 hover:bg-gray-400" aria-label="Show review 3"></button><button class="h-2.5 rounded-full transition-all w-2.5 bg-gray-300 hover:bg-gray-400" aria-label="Show review 4"></button><button class="h-2.5 rounded-full transition-all w-2.5 bg-gray-300 hover:bg-gray-400" aria-label="Show review 5"></button><button class="h-2.5 rounded-full transition-all w-2.5 bg-gray-300 hover:bg-gray-400" aria-label="Show review 6"></button><button class="h-2.5 rounded-full transition-all w-2.5 bg-gray-300 hover:bg-gray-400" aria-label="Show review 7"></button></div><button class="flex h-10 w-10 items-center justify-center rounded-full bg-white shadow-md hover:shadow-lg transition-shadow" aria-label="Next review"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right h-4 w-4 text-charcoal" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></button></div></div></div></div></section><section class="bg-white py-24 md:py-32"><div class="mx-auto max-w-7xl px-6"><div class="text-center" style="opacity:0;transform:translateY(40px)"><div class="mx-auto flex h-12 w-12 items-center justify-center rounded-full bg-off-white shadow-sm"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-map-pin h-5 w-5 text-blue" aria-hidden="true"><path d="M20 10c0 4.993-5.539 10.193-7.399 11.799a1 1 0 0 1-1.202 0C9.539 20.193 4 14.993 4 10a8 8 0 0 1 16 0"></path><circle cx="12" cy="10" r="3"></circle></svg></div><h2 class="mt-6 text-3xl font-bold text-charcoal md:text-4xl">Licensed Across America</h2><p class="mx-auto mt-4 max-w-xl text-slate">Proudly serving homebuyers in <!-- -->40<!-- -->states plus DC. Wherever you&#x27;re buying, we can help.</p></div><div class="" style="opacity:0;transform:translateY(40px)"><div class="mx-auto mt-12 flex max-w-3xl flex-wrap justify-center gap-2.5"><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">AL</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">AZ</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">AR</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">CA</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">CO</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">CT</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">DC</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">FL</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">GA</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">ID</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">IL</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">IN</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">
1IA</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">KS</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">KY</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">LA</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">ME</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">MD</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">MI</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">MN</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">MS</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">MO</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">MT</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">NE</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">NH</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">NJ</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">NC</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">ND</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">OH</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">OK</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">OR</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">SC</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">SD</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">TN</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">TX</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">VT</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">VA</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">WA</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">WI</span><span class="inline-flex items-center justify-center rounded-lg bg-off-white px-3 py-1.5 text-sm font-medium text-charcoal shadow-sm transition-shadow hover:shadow-md cursor-default">WY</span></div></div></div></section><section class="py-20 md:py-28" style="background:linear-gradient(135deg, #2563EB 0%, #0891B2 100%)"><div class="mx-auto max-w-7xl px-6 text-center"><div class="" style="opacity:0;transform:translateY(40px)"><h2 class="text-3xl font-bold text-white md:text-4xl">Ready to Get Started?</h2><p class="mx-auto mt-4 max-w-lg text-base text-white/80">Whether you&#x27;re buying your first home or your tenth, our team is ready to help you find the perfect mortgage.</p><div class="mt-10 flex flex-col items-center justify-center gap-4 sm:flex-row"><a class="inline-flex items-center gap-2 rounded-full bg-white px-8 py-3.5 text-base font-semibold text-blue shadow-lg transition-transform hover:scale-[1.02]" href="/pre-approval">Get Pre-Approved<svg 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