import React, { useState, useRef, useEffect } from 'react'; export default function AnchoredInCarePage({ branding, navigate, onContactSubmit }) { const [activeFaq, setActiveFaq] = useState(null); const [formData, setFormData] = useState({ name: '', email: '', phone: '', helpType: '', situation: '' }); const [formStatus, setFormStatus] = useState('idle'); const [isVisible, setIsVisible] = useState({}); const heroRef = useRef(null); // Intersection Observer for scroll animations useEffect(() => { document.documentElement.classList.add('js-enabled'); const observer = new IntersectionObserver( (entries) => { entries.forEach((entry) => { if (entry.isIntersecting) { setIsVisible((prev) => ({ ...prev, [entry.target.dataset.section]: true })); } }); }, { threshold: 0.1, rootMargin: '0px 0px -50px 0px' } ); document.querySelectorAll('[data-section]').forEach((el) => observer.observe(el)); return () => observer.disconnect(); }, []); useEffect(() => { const style = document.createElement('style'); style.textContent = cssContent; document.head.appendChild(style); return () => document.head.removeChild(style); }, [branding.primaryColor, branding.secondaryColor]); const toggleFaq = (index) => { setActiveFaq(activeFaq === index ? null : index); }; const handleFormSubmit = async (e) => { e.preventDefault(); if (!formData.name.trim() || !formData.email.trim()) return; setFormStatus('sending'); try { await onContactSubmit({ name: formData.name, email: formData.email, phone: formData.phone, message: `Help Type: ${formData.helpType}\n\nSituation: ${formData.situation}`, }); setFormStatus('sent'); setFormData({ name: '', email: '', phone: '', helpType: '', situation: '' }); } catch { setFormStatus('error'); } }; const faqs = [ { q: "Do I need a formal diagnosis to qualify?", a: "No. If you receive disability income, care for someone with special needs, or have a documented disability, you likely qualify." }, { q: "Is the lender credit guaranteed?", a: "The credit is available on every qualifying transaction. Your loan officer will confirm the amount during your consultation." }, { q: "What about the grant program?", a: "The grant program is situational and need-based. Include your request and reason in the intake form and we'll review it personally." }, { q: "Can I qualify if my credit isn't perfect?", a: "Yes. We specialize in manual underwriting and complex files. Don't let a credit score stop you from starting the conversation." }, { q: "Do you work with veterans with disabilities?", a: "Absolutely. VA loans for disabled veterans are one of our specialties, including funding fee waivers for those with service-connected disability ratings." }, { q: "How is this different from other assistance programs?", a: "We're not a program that hands you paperwork. We're loan officers who work these files every day. We know SSI, SSDI, VA disability, special needs trusts, caregiver income, and manual underwriting - because we actually close these loans. That's the difference." } ]; const resources = [ { title: "Understanding SSI & SSDI as Mortgage Income", description: "Most lenders don't know the rules. We break down exactly how disability income is counted and what documentation you need." }, { title: "The Family Opportunity Mortgage", description: "Did you know you can buy a home for a disabled family member at owner-occupant rates? Here's how it works." }, { title: "VA Loans for Disabled Veterans", description: "If you have a service-connected disability rating, you may qualify for funding fee waivers and additional benefits. Full breakdown here." }, { title: "Special Needs Trusts & Homeownership", description: "Owning a home through a special needs trust is possible. Here's what underwriters need to see." }, { title: "Credit Repair Roadmap for Families in Crisis", description: "If your credit took a hit while you were caregiving, we have a step-by-step path back." }, { title: "Caregiver Income: Can It Count?", description: "Sometimes yes. Here's when and how caregiver stipends and family pay arrangements can be used in mortgage qualifying." } ]; const stories = [ { highlight: "Denied by three lenders...", story: "A single mother caring for her son with autism had been denied by three lenders. Her SSDI income wasn't being counted correctly. We rebuilt the file from scratch and closed in 28 days." }, { highlight: "$6,000 saved at closing", story: "A disabled veteran with a 70% service-connected rating didn't know his funding fee was waived. We saved him over $6,000 at closing and got him into his first home." }, { highlight: "Family Opportunity Success", story: "A family supporting an adult daughter with Down syndrome wanted to buy a home for her to live in. Through the Family Opportunity Mortgage, they qualified at owner-occupant rates and closed with confidence." } ]; const cssContent = ` @import url('https://fonts.googleapis.com/css2?family=Noto+Serif+Display:wght@400;500;600;700&family=Nunito:wght@300;400;500;600;700&family=Fraunces:wght@400;500;600;700&display=swap'); :root { --navy: ${branding.primaryColor || '#071733'}; --gold: ${branding.secondaryColor || '#d4af37'}; --cream: #faf9f6; --soft-gold: rgba(212, 175, 55, 0.08); } .font-display { font-family: 'Noto Serif Display', serif; } .font-body { font-family: 'Nunito', sans-serif; } @keyframes gentleFloat { 0%, 100% { transform: translateY(0px); } 50% { transform: translateY(-8px); } } @keyframes softPulse { 0%, 100% { box-shadow: 0 4px 14px rgba(7, 23, 51, 0.08); } 50% { box-shadow: 0 8px 28px rgba(7, 23, 51, 0.15); } } @keyframes fadeUp { from { opacity: 0; transform: translateY(30px); } to { opacity: 1; transform: translateY(0); } } @keyframes shimmer { 0% { background-position: -200% center; } 100% { background-position: 200% center; } } .animate-gentle-float { animation: gentleFloat 6s ease-in-out infinite; } .animate-soft-pulse { animation: softPulse 3s ease-in-out infinite; } .animate-fade-up { animation: fadeUp 0.8s cubic-bezier(0.34, 1.56, 0.64, 1) forwards; } .gold-shimmer { background: linear-gradient(90deg, var(--gold) 0%, #f4e4a6 50%, var(--gold) 100%); background-size: 200% auto; animation: shimmer 4s linear infinite; -webkit-background-clip: text; -webkit-text-fill-color: transparent; } .section-reveal { opacity: 1; transform: translateY(0); transition: all 0.7s cubic-bezier(0.34, 1.56, 0.64, 1); } .js-enabled .section-reveal { opacity: 0; transform: translateY(24px); } .js-enabled .section-reveal.visible { opacity: 1; transform: translateY(0); } .warm-shadow { box-shadow: 0 4px 20px rgba(7, 23, 51, 0.06), 0 1px 3px rgba(7, 23, 51, 0.04); } .warm-shadow-hover:hover { box-shadow: 0 12px 32px rgba(7, 23, 51, 0.12), 0 4px 8px rgba(7, 23, 51, 0.06); } .btn-bounce { transition: all 0.3s cubic-bezier(0.34, 1.56, 0.64, 1); } .btn-bounce:hover { transform: translateY(-3px) scale(1.02); } .btn-bounce:active { transform: translateY(-1px) scale(0.98); } .faq-content { max-height: 0; overflow: hidden; transition: max-height 0.4s cubic-bezier(0.34, 1.56, 0.64, 1), padding 0.3s ease; } .faq-content.open { max-height: 500px; } .diagonal-section { clip-path: polygon(0 5%, 100% 0, 100% 95%, 0 100%); } .gold-accent-border { position: relative; } .gold-accent-border::before { content: ''; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; background: linear-gradient(180deg, var(--gold) 0%, rgba(212, 175, 55, 0.3) 100%); border-radius: 0 4px 4px 0; } .wave-divider { position: absolute; bottom: 0; left: 0; width: 100%; overflow: hidden; line-height: 0; } .wave-divider svg { position: relative; display: block; width: calc(100% + 1.3px); height: 60px; } `; return (

{/* SEO / AEO / GEO — Organization + LocalBusiness + Person + Service + WebPage + FAQPage Structured Data */}

Anchored in Care by Anchor Mortgage