https://securechoicelending.com/assets/loan-options-CwXj_nvB.js

1import{aE as h,aC as x,j as e,ai as u,a8 as s,C as o,p as g,q as p,t as i,ad as b,B as r,_ as f,ab as y,aa as w,ah as j}from"./index-C8EdwN32.js";import{B as v}from"./badge-DWCiEadC.js";import{f as N}from"./FHA_first-time_homebuyers_3a0ce84c-Jnpoj4w0.js";import{v as k}from"./VA_military_homebuying_f2d16fae-BtckyCHK.js";const A="/assets/Conventional_loan_professionals_68657c68-CFwQjdCN.png";function H(){const{open:n}=h(),t=x(),l=[{category:"For a Wide Range of Homebuyers",title:"FHA Loans",description:"An FHA loan is a home loan the Federal Housing Administration insures. FHA loans offer a smaller down payment and lower closing costs, with more flexible lending standards that make homeownership accessible to a wider range of borrowers. FHA loans allow a down payment of as little as 3.5% on a mortgage.",extendedDescription:"FHA loans are a popular choice for borrowers at all income levels, especially those who prefer more relaxed credit requirements compared to conventional loans. While borrowers with lower credit scores often benefit the most, many buyers with good credit also choose FHA for its favorable terms. The downside is mortgage insurance premiums may last the life of the loan for borrowers with less than 10% down.",benefits:["Relaxed credit qualifications","Lowest required down payment","Easiest to qualify","Perfect for first-time home buyers"],image:N,learnMoreLink:"/fha-loans",color:"bg-blue-50 dark:bg-blue-900/20 border-blue-200 dark:border-blue-700"},{category:"For Veterans and Active Military Members",title:"VA Loans",description:"A VA loan is a home loan the U.S. Department of Veteran Affairs insures and guarantees. A VA loan offers eligible borrowers the option to purchase a home with 0% down payment. Available to millions of veterans and active military members, VA loans are easier to qualify for than conventional loans.",extendedDescription:"While these loans do not require mortgage insurance, there usually is an upfront VA funding fee, which can be rolled into the loan. VA loans allow borrowers to qualify for 100% financing and a number of other benefits.",benefits:["0% down payment","No mortgage insurance premium","Lower interest rates","Relaxed credit qualifications"],image:k,learnMoreLink:"/va-loans",color:"bg-green-50 dark:bg-green-900/20 border-green-200 dark:border-green-700"},{category:"For Standard Homebuyers",title:"Conventional Loans",description:"A conventional loan is one of the most popular mortgage options available, offering competitive rates and flexible terms. With down payment options ranging from 3% to 20%, conventional loans are a great fit for a wide range of borrowers.",extendedDescription:"Conventional loans provide borrowers more flexibility in loan amounts and property types. When you put 20% or more down, there's no mortgage insurance required — and even with less than 20% down, private mortgage insurance is removed once you reach 80% loan-to-value.",benefits:["More streamlined process","Reduced or NO mortgage insurance premium","No mortgage insurance premium equals a lower payment","Typically higher loan limits"],image:A,learnMoreLink:"/conventional-loans",color:"bg-purple-50 dark:bg-purple-900/20 border-purple-200 dark:border-purple-700"}];return e.jsxs(e.Fragment,{children:[e.jsx(u,{}),e.jsxs("div",{className:"min-h-screen bg-gradient-to-br from-blue-50 via-white to-purple-50 dark:from-gray-900 dark:via-gray-800 dark:to-gray-900",children:[e.jsxs("div",{className:"hero-gradient relative overflow-hidden",children:[e.jsx("div",{className:"absolute inset-0 bg-black/20"}),e.jsx("div",{className:"container mx-auto px-4 relative z-10",children:e.jsxs("div",{className:"text-center max-w-4xl mx-auto",children:[e.jsxs("h1",{className:"text-4xl md:text-5xl lg:text-6xl font-poppins font-bold text-white mb-6",children:["What Are Your Available Loan ",e.jsx("span",{className:"text-gradient",children:"Options?"})]}),e.jsx("p",{className:"text-xl md:text-2xl text-white/90 mb-8 leading-relaxed",children:"With many different loan options available on the market, it can be difficult to decide which one fits your needs best. We've explained each type of loan package below, helping you make an educated decision on your future."}),e.jsx("p",{className:"text-lg text-white/80 max-w-3xl mx-auto",children:"Depending on your circumstances, you may qualify for one or more of the following options. We'll help guide you through this process to ensure you get a secure choice with the most benefits."})]})})]}),e.jsxs("div",{className:"container mx-auto px-4 py-16",children:[e.jsx("div",{className:"mb-10 rounded-xl border border-blue-200 bg-blue-50 p-5 text-center dark:border-blue-900/50 dark:bg-blue-950/30",children:e.jsxs("p",{className:"text-gray-700 dark:text-gray-200",children:["Compare current county loan limits before choosing a program."," ",e.jsx(s,{href:"/loan-limits",className:"font-semibold text-blue-700 hover:underline dark:text-blue-400",children:"Look up Conventional, FHA, and VA guidance by ZIP"}),"."]})}),e.jsx("div",{className:"space-y-16",children:l.map((a,d)=>e.jsx("div",{className:"max-w-6xl mx-auto",children:e.jsxs("div",{className:`${d%2===0?"lg:flex-row":"lg:flex-row-reverse"} flex flex-col lg:items-center gap-8`,children:[e.jsx("div",{className:"lg:w-1/2",children:e.jsx("img",{src:a.image,alt:a.title,className:"w-full h-80 object-cover rounded-2xl shadow-lg","data-testid":`img-${a.title.toLowerCase().replace(" ","-")}`})}),e.jsx("div",{className:"lg:w-1/2",children:e.jsxs(o,{className:`${a.color} backdrop-blur-lg border-2 shadow-xl hover:shadow-2xl transition-all duration-300`,children:[e.jsxs(g,{children:[e.jsx("div",{className:"mb-2",children:e.jsx(v,{variant:"secondary",className:"text-sm font-medium",children:a.category})}),e.jsx(p,{className:"text-3xl font-poppins font-bold text-gray-900 dark:text-white",children:a.title})]}),e.jsxs(i,{className:"space-y-6",children:[e.jsx("p",{className:"text-gray-700 dark:text-gray-200 leading-relaxed",children:a.description}),e.jsx("p",{className:"text-gray-700 dark:text-gray-200 leading-relaxed",children:a.extendedDescription}),e.jsxs("div",{children:[e.jsxs("h4",{className:"text-lg font-poppins font-semibold text-gray-900 dark:text-white mb-4",children:["Why ",a.title.replace(" Loans",""),"?"]}

1),e.jsx("ul",{className:"space-y-2",children:a.benefits.map((c,m)=>e.jsxs("li",{className:"flex items-start gap-3",children:[e.jsx(b,{className:"h-5 w-5 text-green-600 dark:text-green-400 mt-0.5 flex-shrink-0"}),e.jsx("span",{className:"text-gray-700 dark:text-gray-200",children:c})]},m))})]}),e.jsx(r,{variant:"gradient",size:"lg",asChild:!0,"data-testid":`button-learn-more-${a.title.toLowerCase().replace(" ","-")}`,children:e.jsxs(s,{href:a.learnMoreLink,children:["Learn More About ",a.title]})})]})]})})]})},a.title))}),e.jsxs("div",{className:"mt-20 max-w-6xl mx-auto",children:[e.jsxs("h2",{className:"text-3xl font-poppins font-bold text-center text-gray-900 dark:text-white mb-2",children:["More Loan ",e.jsx("span",{className:"text-gradient",children:"Programs"})]}),e.jsx("p",{className:"text-center text-gray-600 dark:text-gray-300 mb-8",children:"Beyond the big three, we offer programs for nearly every situation."}),e.jsx("div",{className:"grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-3 gap-4",children:[{title:"USDA Loans",desc:"Zero down payment for eligible rural and suburban areas",href:"/usda-loans"},{title:"Jumbo Loans",desc:`Financing up to ${t.jumbo_max_loan} for luxury and high-value homes`,href:"/jumbo-loans"},{title:"HomeReady",desc:"3% down with flexible income rules for moderate-income buyers",href:"/home-ready"},{title:"Home Possible",desc:"Freddie Mac's low down payment program with pricing advantages",href:"/home-possible"},{title:"Bank Statement Loans",desc:"Qualify with bank statements instead of tax returns",href:"/bank-statement-loans"},{title:"DSCR Loans",desc:"Investment property loans based on rental income",href:"/dscr-loans"},{title:"HELOC",desc:"A flexible line of credit backed by your home's equity",href:"/heloc"},{title:"Home Equity Loans",desc:"A lump sum at a fixed rate using your home's equity",href:"/home-equity-loan"},{title:"Fixed & Adjustable Rate",desc:"Compare stable payments vs. lower starting rates",href:"/fixed-rate"}].map(a=>e.jsxs(s,{href:a.href,className:"glass-card p-6 rounded-xl hover:-translate-y-1 transition-all block","data-testid":`link-program-${a.href.replace("/","")}`,children:[e.jsxs("div",{className:"flex items-center justify-between mb-2",children:[e.jsx("h3",{className:"font-semibold text-gray-900 dark:text-white",children:a.title}),e.jsx(f,{className:"h-4 w-4 text-blue-600 dark:text-blue-400 flex-shrink-0"})]}),e.jsx("p",{className:"text-sm text-gray-600 dark:text-gray-400",children:a.desc})]},a.href))})]}),e.jsx("div",{className:"mt-20 text-center",children:e.jsx(o,{className:"max-w-4xl mx-auto glass-card backdrop-blur-xl bg-white/80 dark:bg-gray-800/80 border border-white/20 shadow-2xl",children:e.jsxs(i,{className:"p-12",children:[e.jsx("h2",{className:"text-3xl font-poppins font-bold text-gray-900 dark:text-white mb-6",children:"Confused about your loan options?"}),e.jsx("p",{className:"text-lg text-gray-600 dark:text-gray-300 mb-8 max-w-2xl mx-auto",children:"There are a plethora of loan packages available on the market. We'll help you pick the perfect option to suit all your needs."}),e.jsxs("div",{className:"flex flex-col sm:flex-row gap-4 justify-center items-center",children:[e.jsx(r,{variant:"gradient",size:"lg","data-testid":"button-request-quote",onClick:()=>n(),children:"Request A Quote"}),e.jsx(r,{variant:"outline",size:"lg","data-testid":"button-contact-us",asChild:!0,children:e.jsx(s,{href:"/contact",children:"Have Questions? Contact Us!"})})]})]})})}),e.jsx("div",{className:"mt-16 text-center",children:e.jsxs("div",{className:"flex flex-col sm:flex-row gap-6 justify-center items-center",children:[e.jsx(r,{variant:"outline",size:"lg",className:"bg-white/50 dark:bg-gray-800/50 backdrop-blur-lg border border-white/30",asChild:!0,"data-testid":"button-phone",children:e.jsxs("a",{href:`tel:${t.phone_tel}`,children:[e.jsx(y,{className:"mr-2 h-5 w-5"}),t.phone_display]})}),e.jsx(r,{variant:"outline",size:"lg",className:"bg-white/50 dark:bg-gray-800/50 backdrop-blur-lg border border-white/30",asChild:!0,"data-testid":"button-email",children:e.jsxs("a",{href:`mailto:${t.email}`,children:[e.jsx(w,{className:"mr-2 h-5 w-5"}),t.email]})})]})})]})]}),e.jsx(j,{})]})}

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