export default function VALoanFunnel({ branding, navigate, onContactSubmit }) { const [formData1, setFormData1] = React.useState({ name: '', email: '', phone: '', serviceStatus: '', monthlyDebt: '' }); const [status1, setStatus1] = React.useState('idle'); const [formData2, setFormData2] = React.useState({ name: '', email: '', phone: '', serviceStatus: '', monthlyDebt: '' }); const [status2, setStatus2] = React.useState('idle'); const [openFaq, setOpenFaq] = React.useState(null); const handleSubmit1 = async (e) => { e.preventDefault(); if (!formData1.name.trim() || !formData1.email.trim()) return; setStatus1('sending'); try { await onContactSubmit({ name: formData1.name, email: formData1.email, phone: formData1.phone, message: `VA Loan Lead (Top Form)\nService Status: ${formData1.serviceStatus || 'Not provided'}\nEstimated Monthly Debt: ${formData1.monthlyDebt || 'Not provided'}`, }); setStatus1('sent'); setFormData1({ name: '', email: '', phone: '', serviceStatus: '', monthlyDebt: '' }); } catch { setStatus1('error'); } }; const handleSubmit2 = async (e) => { e.preventDefault(); if (!formData2.name.trim() || !formData2.email.trim()) return; setStatus2('sending'); try { await onContactSubmit({ name: formData2.name, email: formData2.email, phone: formData2.phone, message: `VA Loan Lead (Bottom Form)\nService Status: ${formData2.serviceStatus || 'Not provided'}\nEstimated Monthly Debt: ${formData2.monthlyDebt || 'Not provided'}`, }); setStatus2('sent'); setFormData2({ name: '', email: '', phone: '', serviceStatus: '', monthlyDebt: '' }); } catch { setStatus2('error'); } }; const scrollToForm = () => { document.getElementById('main-lead-form')?.scrollIntoView({ behavior: 'smooth' }); }; const primary = branding.primaryColor || '#112646'; const secondary = branding.secondaryColor || '#195c9d'; return (

{/* Sticky Header */}

{branding.logoUrl && ( Empire Home Loans

)}

{branding.fullName} | NMLS {branding.nmls}

{/* Hero Section */}

{/* Left Content */}

Combat Veteran • Loan Consultant

Your VA Home Loan Benefit Deserves a Fellow Combat Veteran in Your Corner

{branding.fullName} helps Active Duty, Guard, Reserve, and Veterans eliminate debt roadblocks and maximize their VA Home Loan Guaranty — with the precision of someone who's not only worn the uniform, but has actually used the VA Home Loan benefit himself.

{branding.phone}

{/* Mini Trust */}

NMLS {branding.nmls}

Empire Home Loans NMLS {branding.companyNmls}

{/* Right Visual */}

{/* Mobile Hero Image */}

{/* Credibility Ribbon */}

VA Home Loan Guaranty Specialist

Serving Active Duty • National Guard • Reserve • Veterans • Spouses

{/* Problem Section */}

The VA Loan Should Be Your Tactical Advantage.
Not a Bureaucratic Maze.

Too many lenders treat your VA benefit like a conventional loan with a fancy sticker. They run you through the same rigid checklist — and when monthly debt pushes your DTI too high, they simply say "come back later."

{[ { title: "Debt Blocking Your Qualification", desc: "Car payments, credit cards, and student loans inflate your debt-to-income ratio. Most lenders see a wall. Rick sees a restructuring opportunity.", icon: "M12 2v20M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6" }, { title: "Cookie-Cutter VA 'Specialists'", desc: "Generalist loan officers 'do' VA loans occasionally. You need someone who has spent decades inside the VA guidelines — and knows the debt-payoff strategies most never mention.", icon: "M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z" }, { title: "Leaving Money on the Table", desc: "Without a veteran strategist guiding your file, you risk missing closing-cost credits, rate reductions, and the maximized use of your full guaranty entitlement.", icon: "M12 1v22M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6" } ].map((item, i) => (

{item.title}

{item.desc}

))}

{/* The Strategy Section */}

The Rick Kadar Method

Pay Off Monthly Debt to Qualify For Your New Home

This is the strategy most lenders won't explain: your VA loan can be structured to eliminate the very debt that's blocking your approval. By paying off high-interest obligations at closing, we lower your debt-to-income ratio — often turning a denial into a funded loan in the same month.

{[ { step: "01", title: "Map Your Benefit + Debt Landscape", desc: "We analyze your Certificate of Eligibility, current debts, and target purchase price in one coordinated strategy session." }, { step: "02", title: "Structure the Loan to Eliminate Barriers", desc: "Using VA guideline flexibility and strategic debt payoff at closing, we engineer a loan structure that satisfies DTI requirements." }, { step: "03", title: "Close With $0 Down & a Clean Slate", desc: "You walk away with keys in hand and a consolidated, lower monthly obligation — not just a house, but a stronger financial position." } ].map((s, i) => (

{s.step}

{s.title}

{s.desc}

))}

{ e.target.style.display = 'none'; }} />

{branding.fullName}

Combat Veteran • {branding.title}

"I didn't just study the VA loan in a textbook. I used the uniform, navigated the bureaucracy, and now I spend every day making sure my brothers and sisters don't leave a single dollar of their benefit on the table."

Decades specializing in military & veteran lending

{/* Decorative VA Logo */}

{/* Who I Serve */}

Service Takes Many Forms.
Your Benefit Is Earned.

Whether you served 20 years active or 6 months in the Guard, if you have VA entitlement, Rick knows how to activate it.

{[ { label: "Active Duty", sub: "PCS & deployment-friendly closings" }, { label: "National Guard", sub: "State & federal service qualifies" }, { label: "Reserves", sub: "Training & mobilization time counts" }, { label: "Veterans", sub: "Prior use & restoration strategies" } ].map((item, i) => (

{item.label}

{item.sub}

))}

{/* Benefits */}

What You Actually Get When You Work With a Veteran Specialist

This isn't just about a rate quote. It's about a comprehensive financial maneuver that positions you to buy smarter — and stronger.

{[ { title: "$0 Down Payment", desc: "100% financing up to your county limit. Keep your cash for moving, emergencies, or debt elimination." }, { title: "No Private Mortgage Insurance", desc: "Unlike FHA or conventional, VA loans never charge monthly PMI — ever. That alone saves hundreds monthly." }, { title: "Debt Payoff to Qualify", desc: "Rick's signature approach: structure the loan to pay off qualifying debt at closing, lowering your DTI instantly." }, { title: "Competitive VA Rates", desc: "The VA guaranty reduces lender risk, which translates to lower rates than most conventional borrowers receive." }, { title: "Surviving Spouse Eligibility", desc: "Tragic but true: many surviving spouses have full entitlement and don't know it. Rick verifies every angle." }, { title: "Reuse & Restoration", desc: "Sold your last home? Your benefit can be restored. Rick handles the COE reinstatement while you shop." }, { title: "VA Renovation Loans", desc: "Purchase or refinance and roll renovation costs into one VA loan. Rick structures these files so you can buy a fixer-upper or upgrade your current home with $0 down." }, { title: "Investment Property Strategy", desc: "Your VA benefit can finance multi-unit properties — duplex to fourplex — as long as you occupy one unit. Rick knows how to turn your benefit into a wealth-building asset." } ].map((b, i) => (

{b.title}

{b.desc}

))}

{/* Social Proof / Testimonials */}

Fellow Service Members Who Got Across the Finish Line

{[ { name: "SSgt. Marcus T.", role: "Army Active Duty", quote: "Rick found a way to structure our loan that paid off our high-interest credit cards and dropped our DTI. We closed 23 days later with $0 down. Dude is a tactician.", highlight: "Closed in 23 days" }, { name: "Capt. Priya R.", role: "Air Force Reserve", quote: "As a Reservist, I assumed my benefit was limited. Rick mapped my training time and mobilization history. We qualified for the full guaranty and saved $4,200 at closing.", highlight: "Saved $4,200" }, { name: "Sgt. 1st Class Diego V.", role: "Army National Guard", quote: "A fellow combat vet who actually answers his phone at 9 PM when you're stressing about inspection timelines. That's the kind of ally you want in your corner.", highlight: "Personal combat vet support" } ].map((t, i) => (

{t.quote}

{t.name}

{t.role}

{t.highlight}

))}

{/* Lead Form Section 1 */}

Secure Your VA Loan Strategy Session

Tell me your service status and your current debt picture. I'll reply within 2 business hours with a preliminary roadmap — no credit pull required.

{status1 === 'sent' ? (

Mission Received

Rick will review your file and contact you within 2 business hours. Check your email for confirmation.

) : (

Full Name * setFormData1({...formData1, name: e.target.value})} className="w-full px-4 py-3 bg-white border border-stone-300 rounded-sm focus:outline-none focus:border-[#195c9d] focus:ring-1 focus:ring-[#195c9d] transition-all text-stone-900" placeholder="John A. Smith" />

Email Address * setFormData1({...formData1, email: e.target.value})} className="w-full px-4 py-3 bg-white border border-stone-300 rounded-sm focus:outline-none focus:border-[#195c9d] focus:ring-1 focus:ring-[#195c9d] transition-all text-stone-900" placeholder="john@email.com" />

Phone Number setFormData1({...formData1, phone: e.target.value})} className="w-full px-4 py-3 bg-white border border-stone-300 rounded-sm focus:outline-none focus:border-[#195c9d] focus:ring-1 focus:ring-[#195c9d] transition-all text-stone-900" placeholder="(555) 123-4567" />

Service Status

Estimated Monthly Debt (car, credit cards, loans)

$ setFormData1({...formData1, monthlyDebt: e.target.value})} className="w-full pl-8 pr-4 py-3 bg-white border border-stone-300 rounded-sm focus:outline-none focus:border-[#195c9d] focus:ring-1 focus:ring-[#195c9d] transition-all text-stone-900" placeholder="2,400" />

This helps Rick pre-calculate your debt-to-income strategy.

{status1 === 'error' && (

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

)}

NMLS {branding.nmls} No SSN required

)}

{/* FAQ Section */}

Common Tactical Questions

{[ { q: "Can I use a VA loan if I have significant monthly debt?", a: "Often, yes — but it requires strategy. High monthly obligations raise your debt-to-income ratio (DTI), which can trigger a decline from conventional lenders. Rick specializes in restructuring: in many cases, your VA loan can be structured to pay off qualifying debt at closing, which reduces your DTI and turns a decline into an approval. Every file is different, which is why the strategy call matters." }, { q: "Do National Guard and Reserve members qualify for VA loans?", a: "Absolutely. If you have 6 years of service in the National Guard or Reserves, or were activated for at least 90 days under Title 10, you likely have full or partial entitlement. Rick verifies your service history against VA guidelines before you ever house-hunt." }, { q: "Is there really no down payment and no PMI with a VA loan?", a: "Correct. The VA Home Loan Guaranty allows 100% financing up to the county loan limit with no monthly Private Mortgage Insurance. You will pay a one-time VA Funding Fee (unless exempt due to service-connected disability), but it can be financed into the loan." }, { q: "How does paying off debt help me qualify for a new home?", a: "Lenders measure your monthly debt payments against your gross monthly income. If we can eliminate certain debts — for example, paying off a high-interest credit card through your home transaction — your new, lower monthly obligation may drop your DTI below the approval threshold. Rick calculates this scenario before you make an offer." }, { q: "Can I use a VA loan to renovate a home?", a: "Yes — through the VA Renovation Loan program. Whether you're purchasing a home that needs work or refinancing your current home to fund improvements, Rick can structure a single VA loan that covers both the purchase (or payoff) and the renovation costs. The improvements must be completed by approved contractors and permanently affixed to the property." }, { q: "Can I use my VA benefit for an investment property?", a: "In certain situations, yes. The VA requires you to occupy the property as your primary residence, but multi-unit properties — duplex, triplex, or fourplex — qualify as long as you live in one of the units. Rick has structured these loans for veterans who want to build wealth through real estate while still using their $0-down guaranty benefit." }, { q: "Can I use my VA benefit more than once?", a: "Yes. If you've partially or fully used your entitlement, Rick can pursue restoration if you sell the property and repay the loan, or even use remaining entitlement to purchase a new home while keeping the old one in certain circumstances." } ].map((faq, i) => (

{openFaq === i && (

{faq.a}

)}

))}

{/* Final CTA Section */}

You Fought For This Benefit.
Don't Leave It On the Table.

The VA Home Loan Guaranty is one of the most powerful financial tools ever offered to service members. But only if you have a strategist who knows how to wield it. Book your call today.

{/* Inline Bottom Form */} {status2 === 'sent' ? (

You're In the Queue

Rick will contact you within 2 business hours.

) : (

setFormData2({...formData2, name: e.target.value})} placeholder="Full Name" className="px-4 py-3 bg-[#0a1a30] border border-white/20 rounded-sm text-white placeholder-stone-500 focus:outline-none focus:border-[#195c9d] transition-all" /> setFormData2({...formData2, email: e.target.value})} placeholder="Email Address" className="px-4 py-3 bg-[#0a1a30] border border-white/20 rounded-sm text-white placeholder-stone-500 focus:outline-none focus:border-[#195c9d] transition-all" />

setFormData2({...formData2, phone: e.target.value})} placeholder="Phone Number" className="px-4 py-3 bg-[#0a1a30] border border-white/20 rounded-sm text-white placeholder-stone-500 focus:outline-none focus:border-[#195c9d] transition-all" />

{status2 === 'error' && (

Error sending. Please call {branding.phone} directly.

)}

{branding.phone} {branding.email}

{/* Footer */}

); }

Empire Home Loans Inc.