export default function FHAFunnelPage({ branding, navigate, onContactSubmit }) { const [heroForm, setHeroForm] = useState({ name: '', email: '', phone: '' }); const [heroStatus, setHeroStatus] = useState('idle'); const [mainForm, setMainForm] = useState({ name: '', email: '', phone: '', message: '' }); const [mainStatus, setMainStatus] = useState('idle'); const [ebookForm, setEbookForm] = useState({ name: '', email: '', phone: '' }); const [ebookStatus, setEbookStatus] = useState('idle'); const [openFaq, setOpenFaq] = useState(null); const [scrolled, setScrolled] = useState(false); const pc = branding.primaryColor || '#00b1bf'; const sc = branding.secondaryColor || '#231f20'; useEffect(() => { const onScroll = () => setScrolled(window.scrollY > 20); window.addEventListener('scroll', onScroll); return () => window.removeEventListener('scroll', onScroll); }, []); 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 }); document.querySelectorAll('.reveal').forEach((el) => observer.observe(el)); return () => observer.disconnect(); }, []); const scrollTo = (id) => { const el = document.getElementById(id); if (el) el.scrollIntoView({ behavior: 'smooth', block: 'start' }); }; const submitLead = async (data, setStatus, resetFn) => { if (!data.name?.trim() || !data.email?.trim()) return false; setStatus('sending'); try { await onContactSubmit({ name: data.name, email: data.email, phone: data.phone || '', message: data.message || '', }); setStatus('sent'); resetFn(); return true; } catch { setStatus('error'); return false; } }; const painPoints = [ { icon: 'M12 8c-1.657 0-3 .895-3 2s1.343 2 3 2 3 .895 3 2-1.343 2-3 2m0-8c1.11 0 2.08.402 2.599 1M12 8V7m0 1v8m0 0v1m0-1c-1.11 0-2.08-.402-2.599-1M21 12a9 9 0 11-18 0 9 9 0 0118 0z', title: 'Saving a Huge Down Payment', desc: 'Traditional loans can require 10-20% down. On a $350,000 home, that is $35,000 to $70,000 upfront—cash most families do not have sitting around.' }, { icon: 'M9 12l2 2 4-4m5.618-4.016A11.955 11.955 0 0112 2.944a11.955 11.955 0 01-8.618 3.04A12.02 12.02 0 003 9c0 5.591 3.824 10.29 9 11.622 5.176-1.332 9-6.03 9-11.622 0-1.042-.133-2.052-.382-3.016z', title: 'Strict Credit Requirements', desc: 'Many lenders demand scores over 620 and spotless credit histories, shutting out qualified buyers who had past financial hardships.' }, { icon: 'M8.228 9c.549-1.165 2.03-2 3.772-2 2.21 0 4 1.343 4 3 0 1.4-1.278 2.575-3.006 2.907-.542.104-.994.54-.994 1.093m0 3h.01M21 12a9 9 0 11-18 0 9 9 0 0118 0z', title: 'Confusing Government Programs', desc: 'Government loan options can feel overwhelming. You should not need a finance degree to understand how to buy your first home.' }, ]; const benefits = [ { icon: 'M17 9V7a2 2 0 00-2-2H5a2 2 0 00-2 2v6a2 2 0 002 2h2m2 4h10a2 2 0 002-2v-6a2 2 0 00-2-2H9a2 2 0 00-2 2v6a2 2 0 002 2zm7-5a2 2 0 11-4 0 2 2 0 014 0z', title: '3.5% Down Payment', desc: 'One of the lowest down payments available. On a $300,000 home, that is just $10,500 to get started—less than most car loans.' }, { icon: 'M9 12l2 2 4-4m6 2a9 9 0 11-18 0 9 9 0 0118 0z', title: 'Credit Scores From 580', desc: 'More accessible than conventional loans. Past financial challenges do not have to prevent homeownership today.' }, { icon: 'M12 4.354a4 4 0 110 5.292M15 21H3v-1a6 6 0 0112 0v1zm0 0h6v-1a6 6 0 00-9-5.197M13 7a4 4 0 11-8 0 4 4 0 018 0z', title: 'Seller Concessions Up to 6%', desc: 'Sellers can contribute up to 6% of the sale price toward your closing costs, dramatically reducing out-of-pocket expenses.' }, { icon: 'M12 8v13m0-13V6a2 2 0 112 2h-2zm0 0V5.5A2.5 2.5 0 109.5 8H12zm-7 4h14M5 12a2 2 0 110-4h14a2 2 0 110 4M5 12v7a2 2 0 002 2h10a2 2 0 002-2v-7', title: 'Gift Funds Allowed', desc: '100% of your down payment can come from family gifts, employer programs, or approved assistance organizations.' }, { icon: 'M13 7h8m0 0v8m0-8l-8 8-4-4-6 6', title: 'Competitive Interest Rates', desc: 'Government backing means lenders can offer rates that are often lower than conventional loans for similar credit profiles.' }, { icon: 'M17.657 16.657L13.414 20.9a1.998 1.998 0 01-2.827 0l-4.244-4.243a8 8 0 1111.314 0zM15 11a3 3 0 11-6 0 3 3 0 016 0z', title: 'Local Idaho Broker', desc: 'Work directly with Jesse Stroup, a trusted mortgage broker based right here in Idaho who understands the local market and is invested in your success.' }, ]; const steps = [ { num: '01', title: 'Check Your Eligibility', desc: 'Fill out our quick form and we will review your situation to see if FHA is the right fit for you.' }, { num: '02', title: 'Get Pre-Approved', desc: 'We will guide you through the pre-approval process so you know exactly what you qualify for before you shop.' }, { num: '03', title: 'Find Your Home', desc: 'Shop with confidence knowing your financing is ready. We stay with you every step of the way.' }, { num: '04', title: 'Close & Move In', desc: 'We handle the paperwork and coordinate with all parties to get you to closing day smoothly and on time.' }, ]; const faqs = [ { q: 'What credit score do I need for an FHA loan?', a: 'You can qualify for an FHA loan with a credit score as low as 580 for the 3.5% down payment option. Borrowers with scores between 500 and 579 may still qualify with a 10% down payment. Many lenders also offer manual underwriting for borrowers with non-traditional credit histories.' }, { q: 'What is MIP and how does it work?', a: 'FHA Mortgage Insurance Premium (MIP) has two components: an upfront premium of 1.75% of the loan amount (which can be financed into the loan) and an annual premium typically around 0.55% paid monthly. If you put down 10% or more, annual MIP can be removed after 11 years. Otherwise, it remains for the life of the loan.' }, { q: 'What are the 2026 FHA loan limits?', a: 'For 2026, the FHA loan limit for a single-family home in most areas is $541,287. In high-cost areas, limits can go up to $1,249,125. Multi-unit properties have higher limits. Your specific county limit may vary, so contact us to find the exact limit for your area.' }, { q: 'How quickly can I close with an FHA loan?', a: 'With proper preparation, the FHA process typically takes 30-45 days from application to closing. Many of our clients are clear to close a week before their scheduled closing date because we move fast and communicate every step of the way.' }, { q: 'How does FHA compare to a conventional loan?', a: 'FHA loans require a lower minimum credit score (580 vs. 620), allow a lower down payment (3.5% vs. 3-5%), and permit higher debt-to-income ratios. However, FHA requires mortgage insurance regardless of down payment amount. Conventional loans allow you to avoid PMI with 20% down and have no upfront mortgage insurance fee.' }, { q: 'Can I use gift money for my FHA down payment?', a: 'Yes. FHA allows 100% of your down payment and closing costs to come from gift funds. Eligible sources include family members, employers, charitable organizations, and government agencies. A signed gift letter confirming the funds are not a loan is required.' }, ]; return (

{/* Top Accent */}

{/* Sticky Nav */} {/* Hero */}

Government-Backed FHA Program

Buy Your Home With Just 3.5% Down

FHA loans make homeownership possible with lower down payments, flexible credit guidelines starting at 580, and the security of government backing. Stop renting and start building equity.

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

{['3.5% Down Payment', 'Credit Scores From 580', '100% Gift Funds OK'].map((item) => (

{item}

))}

{/* Hero Lead Card */}

Get Your Free FHA Assessment

No credit check required. Find out what you qualify for in minutes.

{heroStatus === 'sent' ? (

You're All Set!

Jesse will reach out shortly to discuss your FHA options.

) : (

{ e.preventDefault(); submitLead(heroForm, setHeroStatus, () => setHeroForm({ name: '', email: '', phone: '' })); }} className="space-y-4">

Full Name setHeroForm({ ...heroForm, name: e.target.value })} className="w-full px-4 py-3 rounded-lg border text-sm bg-gray-50 transition-colors input-focus" style={{ borderColor: '#e5e7eb', color: '#0B0F19' }} placeholder="John Smith" autoComplete="name" />

Email Address setHeroForm({ ...heroForm, email: e.target.value })} className="w-full px-4 py-3 rounded-lg border text-sm bg-gray-50 transition-colors input-focus" style={{ borderColor: '#e5e7eb', color: '#0B0F19' }} placeholder="john@example.com" autoComplete="email" />

Phone Number (optional) setHeroForm({ ...heroForm, phone: e.target.value })} className="w-full px-4 py-3 rounded-lg border text-sm bg-gray-50 transition-colors input-focus" style={{ borderColor: '#e5e7eb', color: '#0B0F19' }} placeholder="(555) 123-4567" autoComplete="tel" />

{heroStatus === 'error' && (

Something went wrong. Please try again.

)}

{/* Social Proof Stats */}

{[ { label: 'Google Rating', value: '132 Five-Star' }, { label: 'NMLS License', value: `#${branding.nmls || '6229'}` }, { label: 'Minimum Down', value: '3.5%' }, { label: 'Credit Score Floor', value: '580' }, ].map((stat) => (

{stat.value}

{stat.label}

))}

{/* Pain Points */}

The Roadblocks Keeping You From Homeownership

Traditional mortgage requirements create barriers that keep qualified families from owning homes. FHA was designed to tear those barriers down.

{painPoints.map((p, i) => (

{p.title}

{p.desc}

))}

{/* Benefits */}

Built for Real Buyers

FHA loans replace impossible requirements with realistic ones—so you can focus on finding your home, not jumping through hoops.

{[ { v: '3.5%', l: 'Minimum Down' }, { v: '580', l: 'Min Credit Score' }, { v: 'Up to 6%', l: 'Seller Concessions' }, { v: '100%', l: 'Gift Funds OK' }, ].map((s) => (

{s.v}

{s.l}

))}

{benefits.map((b, i) => (

{b.title}

{b.desc}

))}

{/* Process */}

Your Path to an FHA Loan

A straightforward process designed to get you from application to closing as smoothly as possible.

{/* Comparison */}

FHA vs. Conventional Loans

See how FHA stacks up against conventional financing at a glance.

{[ ['Min. Down Payment', '3.5%', '3% – 20%'], ['Min. Credit Score', '580', '620+'], ['Mortgage Insurance', 'MIP required', 'PMI removable at 20% equity'], ['Seller Concessions', 'Up to 6%', 'Up to 3% – 6%'], ['Gift Funds', '100% of down payment', 'Varies by program'], ].map((row, i) => ( ))}

Feature	FHA Loan	Conventional
{row[0]}	{row[1]}	{row[2]}

{/* Testimonials */}

Trusted by Idaho Homebuyers

Real 5-star reviews from real clients who closed on their homes with Jesse.

{[ { name: 'Emily M.', role: 'Realtor & Homebuyer', text: 'He helped us score an amazing rate buy down for the entirety of the loan, saving us thousands of dollars. He also locked our rate right before they went up. He continues to prove why I recommend him to every client.' }, { name: 'Judene S.', role: 'Homeowner', text: 'I was shocked how quickly it all came together. The process was easier and less stressful than buying a car. Jesse was upfront with the full process and what I should expect. AWESOME experience!!!' }, { name: 'Matthew F.', role: 'First-Time Buyer', text: 'Very knowledgeable and helped guide us through our first home purchase in Idaho. He also had competitive rates and closing costs which was icing on the cake. I highly recommend Jesse.' }, ].map((t, i) => (

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

"{t.text}"

{t.name.split(' ').map((n) => n[0]).join('')}

{t.name}

{t.role}

))}

{/* About */}

{branding.headshotUrl ? ( {branding.fullName

) : (

)}

{branding.fullName || 'Your FHA Loan Expert'}

{branding.title || 'Mortgage Broker'} at {branding.company || 'Home Loans of Idaho'}

With deep expertise in FHA lending, I specialize in helping families navigate government loan programs to achieve homeownership in Idaho. Whether you are a first-time buyer or looking to take advantage of FHA benefits, I am here to guide you through every step with transparency, speed, and zero pressure.

NMLS# {branding.nmls || '6229'} Company NMLS# {branding.companyNmls || '2187314'}

{branding.phone && (

{branding.phone}

)}

{/* Ebook Lead Magnet */}

{/* Left: Ebook visual + copy */}

Free Download

The Idaho First-Time Home Buyer's Playbook

Get the information about the benefits of an FHA home loan. This guide breaks down everything you need to know before you make an offer — no fluff, just actionable steps.

{[ 'How to buy with just 3.5% down (and where that money can come from)', 'The real credit score requirements most lenders won\'t tell you upfront', 'A printable pre-approval checklist so you never miss a document', 'Idaho-specific closing cost strategies that cut your cash-to-close', 'The exact week to lock your rate for the lowest payment' ].map((item, i) => (

{item}

))}

{/* Right: Form */}

{/* Uploaded Ebook Cover */}

Idaho Home Buyer's Playbook - Free Guide by Jesse Stroup

{ebookStatus === 'sent' ? (

Your Download is Ready!

A new tab should have opened with your PDF. If it didn't, click below to download The Idaho Home Buyer's Playbook directly.

Download the Playbook

Jesse will also follow up personally to answer any questions.

) : (

{ e.preventDefault(); const success = await submitLead(ebookForm, setEbookStatus, () => setEbookForm({ name: '', email: '', phone: '' })); if (success) { window.open('https://drive.google.com/uc?export=download&id=11T7q8tt-bnfkT7Jx8F772qsms-5TX5T8', '_blank'); } }} className="space-y-4">

Download Your Free Copy

Enter your details below and we'll send the guide straight to your inbox.

Full Name setEbookForm({ ...ebookForm, name: e.target.value })} className="w-full px-4 py-3 rounded-lg border text-sm bg-gray-50 transition-colors input-focus" style={{ borderColor: '#e5e7eb', color: '#0B0F19' }} placeholder="John Smith" autoComplete="name" />

Email Address setEbookForm({ ...ebookForm, email: e.target.value })} className="w-full px-4 py-3 rounded-lg border text-sm bg-gray-50 transition-colors input-focus" style={{ borderColor: '#e5e7eb', color: '#0B0F19' }} placeholder="john@example.com" autoComplete="email" />

Phone Number (optional) setEbookForm({ ...ebookForm, phone: e.target.value })} className="w-full px-4 py-3 rounded-lg border text-sm bg-gray-50 transition-colors input-focus" style={{ borderColor: '#e5e7eb', color: '#0B0F19' }} placeholder="(555) 123-4567" autoComplete="tel" />

{ebookStatus === 'error' && (

Something went wrong. Please try again.

)}

We respect your privacy. Unsubscribe anytime.

)}

{/* Main Lead Form */}

See If You Qualify for an FHA Loan

Get a free, no-obligation consultation. We will review your situation and walk you through all your options.

{['No impact to your credit score', 'Response within 24 hours', 'Expert FHA guidance from start to finish'].map((item) => (

{item}

))}

{mainStatus === 'sent' ? (

Thank You!

We received your information and will be in touch shortly to discuss your FHA loan options.

) : (

{ e.preventDefault(); submitLead(mainForm, setMainStatus, () => setMainForm({ name: '', email: '', phone: '', message: '' })); }} className="space-y-5">

Get Your Free FHA Assessment

Fill out the form below and we will reach out to discuss your options.

Full Name setMainForm({ ...mainForm, name: e.target.value })} className="w-full px-4 py-3 rounded-lg border text-sm bg-gray-50 input-focus" style={{ borderColor: '#e5e7eb', color: '#0B0F19' }} placeholder="John Smith" autoComplete="name" />

Email Address setMainForm({ ...mainForm, email: e.target.value })} className="w-full px-4 py-3 rounded-lg border text-sm bg-gray-50 input-focus" style={{ borderColor: '#e5e7eb', color: '#0B0F19' }} placeholder="john@example.com" autoComplete="email" />

Phone Number (optional) setMainForm({ ...mainForm, phone: e.target.value })} className="w-full px-4 py-3 rounded-lg border text-sm bg-gray-50 input-focus" style={{ borderColor: '#e5e7eb', color: '#0B0F19' }} placeholder="(555) 123-4567" autoComplete="tel" />

Tell Us About Your Situation (optional)

setMainForm({ ...mainForm, message: e.target.value })} rows={3} className="w-full px-4 py-3 rounded-lg border text-sm bg-gray-50 input-focus resize-none" style={{ borderColor: '#e5e7eb', color: '#0B0F19' }} placeholder="First-time buyer, looking at homes around $300k..." />
                    </div>
                    <button type="submit" disabled={mainStatus === 'sending'} className="w-full py-4 rounded-xl text-white font-bold text-lg transition-all active:translate-y-[1px] disabled:opacity-60" style={{ backgroundColor: pc }}>
                      {mainStatus === 'sending' ? 'Sending...' : 'Get My Free FHA Assessment'}
                    </button>
                    {mainStatus === 'error' && (
                      <div className="text-center">
                        <p className="text-sm text-red-600 mb-2">Something went wrong. Please try again.</p>
                        <button type="button" onClick={() => setMainStatus('idle')} className="text-sm font-semibold underline" style={{ color: pc }}>Retry</button>
                      </div>
                    )}
                  </form>
                )}
              </div>
            </div>
          </div>
        </div>
      </section>

{/* FAQ */}
      <section id="faq" className="py-16 lg:py-24" style={{ backgroundColor: '#f6f7f9' }}>
        <div className="max-w-3xl mx-auto px-4 sm:px-6">
          <div className="text-center mb-12 reveal">
            <h2 className="text-3xl md:text-4xl font-bold mb-4" style={{ color: '#0B0F19' }}>FHA Loan Questions & Answers</h2>
            <p className="text-lg" style={{ color: '#4b5563' }}>Get clear answers to the most common questions about FHA financing.</p>
          </div>
          <div className="space-y-3 reveal">
            {faqs.map((faq, i) => (
              <div key={i} className="rounded-xl overflow-hidden border bg-white transition-colors" style={{ borderColor: openFaq === i ? `${pc}60` : '#e5e7eb' }}>
                <button aria-expanded={openFaq === i} onClick={() => setOpenFaq(openFaq === i ? null : i)} className="w-full flex items-center justify-between px-6 py-5 text-left">
                  <span className="font-semibold text-sm sm:text-base pr-4" style={{ color: '#0B0F19' }}>{faq.q}</span>
                  <svg className={`w-5 h-5 flex-shrink-0 transition-transform duration-200 ${openFaq === i ? 'rotate-180' : ''}`} style={{ color: pc }} fill="none" viewBox="0 0 24 24" stroke="currentColor"><path strokeLinecap="round" strokeLinejoin="round" strokeWidth={2} d="M19 9l-7 7-7-7" /></svg>
                </button>
                {openFaq === i && (
                  <div className="px-6 pb-5">
                    <p className="text-sm leading-relaxed" style={{ color: '#4b5563' }}>{faq.a}</p>
                  </div>
                )}
              </div>
            ))}
          </div>
        </div>
      </section>

{/* Final CTA */}
      <section className="py-16 lg:py-20" style={{ background: `linear-gradient(135deg, ${pc}, ${sc})` }}>
        <div className="max-w-3xl mx-auto px-4 sm:px-6 text-center reveal">
          <h2 className="text-3xl md:text-4xl font-bold text-white mb-5">Ready to Make Your Move?</h2>
          <p className="text-lg text-white/90 mb-9 leading-relaxed">Take the first step toward homeownership with an FHA loan. Low down payment, flexible credit, and government-backed peace of mind.</p>
          <div className="flex flex-col sm:flex-row gap-4 justify-center">
            <button onClick={() => scrollTo('apply')} className="bg-white px-8 py-4 rounded-xl text-lg font-bold transition-all hover:shadow-xl active:translate-y-[1px]" style={{ color: pc }}>
              Start My Application
            </button>
            {branding.phone && (
              <a href={`tel:${branding.phone}`} className="px-8 py-4 rounded-xl text-lg font-semibold border-2 border-white/40 text-white transition-colors hover:bg-white/10 active:translate-y-[1px] text-center">
                Call Now: {branding.phone}
              </a>
            )}
          </div>
        </div>
      </section>

{/* Footer */}
      <footer style={{ backgroundColor: '#0B0F19' }}>
        <div className="max-w-7xl mx-auto px-4 sm:px-6 py-12">
          {/* Top footer area with contact info */}
          <div className="grid sm:grid-cols-2 lg:grid-cols-4 gap-8 mb-10">
            {/* Brand / Logo */}
            <div className="sm:col-span-2 lg:col-span-1">
              <div className="mb-4">
                {branding.logoUrl ? (
                  <img src={branding.logoUrl} alt={branding.company || branding.fullName || 'Logo'} className="h-10 w-auto max-w-[180px] object-contain brightness-0 invert opacity-90" />
                ) : (
                  <span className="text-lg font-bold text-white">{branding.company || branding.fullName || 'FHA Loans'}</span>
                )}
              </div>
              <p className="text-sm leading-relaxed mb-4" style={{ color: '#9ca3af' }}>
                Helping Idaho families achieve homeownership with FHA and government-backed loan programs.
              </p>
            </div>

{/* Contact Info */}
            <div>
              <h4 className="text-xs font-bold uppercase tracking-wider text-white mb-4">Contact</h4>
              <div className="space-y-3 text-sm" style={{ color: '#9ca3af' }}>
                {branding.fullName && (
                  <p className="font-semibold text-white">{branding.fullName}</p>
                )}
                {branding.title && (
                  <p>{branding.title}</p>
                )}
                {branding.phone && (
                  <a href={`tel:${branding.phone}`} className="block hover:text-white transition-colors">{branding.phone}</a>
                )}
                {branding.email && (
                  <a href={`mailto:${branding.email}`} className="block hover:text-white transition-colors">{branding.email}</a>
                )}
              </div>
            </div>

{/* Company Info */}
            <div>
              <h4 className="text-xs font-bold uppercase tracking-wider text-white mb-4">Company</h4>
              <div className="space-y-3 text-sm" style={{ color: '#9ca3af' }}>
                {branding.company && (
                  <p className="font-semibold text-white">{branding.company}</p>
                )}
                {branding.nmls && (
                  <p>NMLS# {branding.nmls}</p>
                )}
                {branding.companyNmls && (
                  <p>Company NMLS# {branding.companyNmls}</p>
                )}
                <a href="https://www.nmlsconsumeraccess.org" target="_blank" rel="noopener noreferrer" className="block hover:text-white transition-colors">NMLS Consumer Access</a>
              </div>
            </div>

{/* Equal Housing */}
            <div>
              <h4 className="text-xs font-bold uppercase tracking-wider text-white mb-4">Commitment</h4>
              <div className="flex items-start gap-3">
                {/* Equal Housing Opportunity Logo */}
                <svg className="w-10 h-10 flex-shrink-0 mt-0.5" viewBox="0 0 40 40" fill="none" xmlns="http://www.w3.org/2000/svg" aria-hidden="true">
                  <rect x="2" y="14" width="36" height="24" rx="1" stroke="#9ca3af" strokeWidth="2" fill="none" />
                  <path d="M20 2L36 14H4L20 2Z" fill="#9ca3af" />
                  <rect x="14" y="22" width="5" height="8" rx="0.5" fill="#9ca3af" />
                  <rect x="21" y="22" width="5" height="8" rx="0.5" fill="#9ca3af" />
                  <path d="M17 22H23" stroke="#0B0F19" strokeWidth="1.5" />
                </svg>
                <p className="text-xs leading-relaxed" style={{ color: '#9ca3af' }}>
                  We are an Equal Housing Opportunity Lender. All applications are subject to credit approval.
                </p>
              </div>
            </div>
          </div>

{/* Disclaimer */}
          {branding.disclaimer && (
            <div className="border-t pt-6 mb-6" style={{ borderColor: '#1f2937' }}>
              <p className="text-[11px] leading-relaxed" style={{ color: '#6b7280' }}>{branding.disclaimer}</p>
            </div>
          )}

{/* Bottom bar */}
          <div className="border-t pt-6 flex flex-col sm:flex-row flex-wrap items-center justify-between gap-4 text-xs" style={{ borderColor: '#1f2937', color: '#6b7280' }}>
            <div className="flex flex-wrap items-center gap-3">
              <p>© {new Date().getFullYear()} {branding.company || branding.fullName || ''}. All rights reserved.</p>
              <span className="hidden sm:inline" style={{ color: '#374151' }}>|</span>
              <span className="text-[10px] uppercase tracking-wider" style={{ color: '#6b7280' }}>Equal Housing Lender</span>
            </div>
            <div className="flex flex-wrap gap-4">
              {branding.privacyPolicyUrl && <a href={branding.privacyPolicyUrl} target="_blank" rel="noopener noreferrer" className="hover:text-white transition-colors">Privacy Policy</a>}
              {branding.termsOfServiceUrl && <a href={branding.termsOfServiceUrl} target="_blank" rel="noopener noreferrer" className="hover:text-white transition-colors">Terms of Service</a>}
            </div>
          </div>
        </div>
      </footer>
    </div>
  );
}</article></body></html>

Idaho FHA Home Loans