Columbia, MO Mortgage Lender | DreamLux Home Loans | Zach Brown NMLS #2156538
{"@context":"https://schema.org","@graph":[
{"@type":"MortgageBroker","name":"DreamLux Home Loans","url":"https://www.dreamluxhomeloans.com","telephone":"+1-573-301-4422","email":"zbrown@nexalending.com","areaServed":["Columbia MO","Boone County MO","Ashland MO","Jefferson City MO"],"aggregateRating":{"@type":"AggregateRating","ratingValue":"5","reviewCount":"25"}},
{"@type":"Person","name":"Zach Brown","jobTitle":"Mortgage Loan Officer","identifier":"NMLS 2156538","telephone":"+1-573-301-4422","email":"zbrown@nexalending.com"},
{"@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What credit score do I need to buy a home in Columbia, MO?","acceptedAnswer":{"@type":"Answer","text":"FHA loans in Columbia start around a 580 credit score. Conventional loans typically require 620 or higher. VA and USDA loans have flexible standards. Contact Zach Brown for a free credit scenario review."}},{"@type":"Question","name":"Can I buy a home in Columbia with zero down payment?","acceptedAnswer":{"@type":"Answer","text":"Yes โ USDA loans offer $0 down for eligible Boone County areas. VA loans offer $0 down for qualifying veterans and active duty. Down payment assistance grants are also available for Columbia buyers."}},{"@type":"Question","name":"Are there physician loan programs near MU Health in Columbia, MO?","acceptedAnswer":{"@type":"Answer","text":"Yes โ DreamLux specializes in Missouri Physician Home Loans for doctors, residents, and MU Health Care medical professionals. High loan limits with low or no down payment requirements."}},{"@type":"Question","name":"Can I invest in rental properties near the University of Missouri?","acceptedAnswer":{"@type":"Answer","text":"Absolutely โ Columbia's Mizzou-area rental market is exceptionally strong. DSCR loans qualify based on rental income rather than personal income, making portfolio scaling much easier."}},{"@type":"Question","name":"How quickly can I get pre-approved in Columbia, MO?","acceptedAnswer":{"@type":"Answer","text":"Many buyers receive same-day pre-approval after submitting basic documents. Our competitive letter helps you win in Columbia's active market against other buyers."}}]}
]}
/* โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ
DREAMLUX HOME LOANS โ PREMIUM DESIGN SYSTEM v2
Navy ยท Champagne Gold ยท Crisp White ยท Slate ยท Charcoal
โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,600;1,300;1,400;1,600&family=DM+Sans:opsz,wght@9..40,300;9..40,400;9..40,500;9..40,600&display=swap');
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
/* Core palette */
--navy: #08151F;
--navy2: #0F2030;
--navy3: #162840;
--navy4: #1D3250;
--gold: #B8933A;
--gold2: #CFA84E;
--gold3: #E2C272;
--gold4: #F0D898;
--gold-pale: #F9F3E4;
--charcoal: #1E2832;
--slate: #2C3E50;
--steel: #3D5166;
--fog: #F0F2F5;
--offwhite: #FAFBFC;
--white: #FFFFFF;
--text: #0F1E2D;
--text2: #2A3D52;
--muted: #526070;
--light: #8099AE;
/* Borders */
--b-gold: rgba(184,147,58,0.28);
--b-gold2: rgba(184,147,58,0.55);
--b-dark: rgba(255,255,255,0.10);
--b-darker: rgba(255,255,255,0.18);
--b-light: rgba(0,0,0,0.09);
--b-light2: rgba(0,0,0,0.15);
/* Fonts */
--serif: 'Cormorant Garamond', Georgia, serif;
--sans: 'DM Sans', system-ui, sans-serif;
}
body{font-family:var(--sans);background:#fff;color:var(--text);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}
a{text-decoration:none;color:inherit}
img{max-width:100%;height:auto;display:block}
/* โโ HERO โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.hero{
position:relative;min-height:640px;
display:flex;align-items:center;justify-content:center;
text-align:center;padding:120px 28px 100px;
}
.hero-bg{
position:absolute;inset:0;
background-size:cover;background-position:center;z-index:0;
}
.hero-bg::after{
content:'';position:absolute;inset:0;
background:linear-gradient(
170deg,
rgba(8,21,31,0.78) 0%,
rgba(8,21,31,0.86) 60%,
rgba(8,21,31,0.92) 100%
);
}
/* subtle gold corner accent */
.hero-bg::before{
content:'';position:absolute;
top:0;left:0;right:0;height:3px;
background:linear-gradient(90deg,transparent,var(--gold2),var(--gold3),var(--gold2),transparent);
z-index:2;
}
.hero-inner{position:relative;z-index:1;max-width:920px;margin:0 auto}
.eyebrow{
font-family:var(--sans);
font-size:10px;font-weight:600;
letter-spacing:.34em;text-transform:uppercase;
color:var(--gold3);margin-bottom:22px;
display:flex;align-items:center;justify-content:center;gap:10px;
}
.eyebrow::before,.eyebrow::after{
content:'';width:28px;height:1px;background:var(--gold2);opacity:.6;
}
.hero h1{
font-family:var(--serif);
font-size:clamp(36px,6vw,68px);
font-weight:300;color:#fff;
line-height:1.04;letter-spacing:-.01em;
margin-bottom:0;
}
.hero h1 em{
font-style:italic;font-weight:400;
color:var(--gold3);
display:block;
}
.hrule{
width:64px;height:2px;
background:linear-gradient(90deg,transparent,var(--gold2),transparent);
margin:26px auto;
}
.hero-sub{
font-size:15px;font-weight:300;
color:rgba(255,255,255,.68);
line-height:1.8;max-width:680px;
margin:0 auto 44px;letter-spacing:.01em;
}
.cta-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.btn-gold{
display:inline-flex;align-items:center;gap:8px;
padding:16px 40px;
background:var(--gold);color:var(--navy);
font-family:var(--sans);font-size:11px;font-weight:600;
letter-spacing:.16em;text-transform:uppercase;
border:2px solid var(--gold);
transition:background .2s,border-color .2s,transform .15s,color .2s;
white-space:nowrap;cursor:pointer;
}
.btn-gold:hover{
background:var(--gold3);border-color:var(--gold3);
transform:translateY(-2px);
}
.btn-ghost{
display:inline-flex;align-items:center;gap:8px;
padding:15px 32px;
background:transparent;color:#fff;
font-family:var(--sans);font-size:11px;font-weight:500;
letter-spacing:.16em;text-transform:uppercase;
border:1.5px solid rgba(255,255,255,.32);
transition:border-color .2s,background .2s,transform .15s;
white-space:nowrap;cursor:pointer;
}
.btn-ghost:hover{
border-color:var(--gold2);
background:rgba(184,147,58,.12);
transform:translateY(-2px);
}
.btn-ghost-dark{
display:inline-flex;align-items:center;
padding:15px 32px;
background:transparent;color:var(--navy);
font-family:var(--sans);font-size:11px;font-weight:500;
letter-spacing:.16em;text-transform:uppercase;
border:1.5px solid rgba(8,21,31,.22);
transition:border-color .2s,background .2s,transform .15s;
white-space:nowrap;cursor:pointer;
}
.btn-ghost-dark:hover{
border-color:var(--gold);background:var(--gold-pale);
transform:translateY(-2px);
}
.hero-note{
margin-top:18px;font-size:11px;
color:rgba(255,255,255,.38);letter-spacing:.06em;
}
.hero-note span{color:rgba(255,255,255,.55)}
/* โโ STAT BAR โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.statbar{
background:linear-gradient(90deg,var(--gold) 0%,var(--gold2) 50%,var(--gold) 100%);
display:flex;justify-content:center;flex-wrap:wrap;
}
.stat{
display:flex;flex-direction:column;align-items:center;
padding:20px 32px;
border-right:1px solid rgba(8,21,31,.18);
position:relative;
}
.stat:last-child{border-right:none}
.stat-n{
font-family:var(--serif);
font-size:26px;font-weight:600;
color:var(--navy);line-height:1;
letter-spacing:-.01em;
}
.stat-l{
font-size:9px;font-weight:600;
letter-spacing:.2em;text-transform:uppercase;
color:rgba(8,21,31,.62);margin-top:5px;
}
/* โโ LOGOS ROW โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.logos-row{
display:flex;align-items:center;justify-content:center;
gap:56px;flex-wrap:wrap;
padding:32px 28px;
background:var(--fog);
border-top:2px solid var(--b-light2);
border-bottom:2px solid var(--b-light2);
}
.logos-row img{
height:46px;width:auto;
object-fit:contain;
/* keep logos crisp & properly sized */
filter:none;opacity:.88;
}
/* DreamLux logo slightly taller */
.logos-row img:first-child{height:52px}
/* โโ SECTION WRAPPERS โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.wrap{max-width:1140px;margin:0 auto;padding:80px 28px}
.wrap-sm{max-width:1140px;margin:0 auto;padding:0 28px 80px}
.wrap-flush{max-width:1140px;margin:0 auto;padding:0 28px}
/* section labels */
.lbl{
font-family:var(--sans);
font-size:9px;font-weight:600;
letter-spacing:.34em;text-transform:uppercase;
color:var(--gold);margin-bottom:14px;
}
.rule{
width:40px;height:2px;
background:linear-gradient(90deg,var(--gold),var(--gold3));
margin-bottom:24px;
}
.sec-h{
font-family:var(--serif);
font-size:clamp(26px,3.8vw,42px);
font-weight:300;color:var(--navy);
line-height:1.12;letter-spacing:-.01em;
margin-bottom:40px;
}
.sec-h em{font-style:italic;font-weight:400;color:var(--gold)}
.body-p{
font-size:16px;font-weight:300;
line-height:1.88;color:var(--text2);
margin-bottom:22px;
}
.body-p strong{font-weight:600;color:var(--navy)}
/* โโ INTRO SPLIT โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.split{
display:grid;grid-template-columns:1fr 1fr;
gap:72px;align-items:center;
}
.split-img{position:relative;overflow:hidden}
.split-img img{
width:100%;height:480px;
object-fit:cover;
display:block;
/* subtle inner frame */
outline:1px solid rgba(184,147,58,.18);
outline-offset:-1px;
}
/* gold accent corner on image */
.split-img::before{
content:'';
position:absolute;top:16px;left:16px;
width:48px;height:48px;
border-top:2px solid var(--gold2);
border-left:2px solid var(--gold2);
z-index:1;pointer-events:none;
}
.split-img::after{
content:'';
position:absolute;bottom:16px;right:16px;
width:48px;height:48px;
border-bottom:2px solid var(--gold2);
border-right:2px solid var(--gold2);
z-index:1;pointer-events:none;
}
.img-badge{
position:absolute;bottom:0;left:0;
background:var(--navy);
border-top:2px solid var(--gold);
border-right:2px solid var(--gold);
padding:16px 22px;z-index:2;
}
.img-badge-n{
font-family:var(--serif);font-size:19px;
font-weight:400;color:var(--gold3);line-height:1.2;
}
.img-badge-l{
font-size:9px;color:rgba(255,255,255,.48);
letter-spacing:.16em;text-transform:uppercase;
margin-top:4px;
}
/* โโ PHOTO STRIP โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.strip{display:grid;grid-template-columns:repeat(4,1fr);gap:3px}
.strip img{
width:100%;height:220px;
object-fit:cover;display:block;
transition:transform .4s;
}
.strip img:hover{transform:scale(1.02)}
/* โโ TOOLS GRID โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.tools{
display:grid;
grid-template-columns:repeat(auto-fill,minmax(230px,1fr));
gap:2px;
background:var(--b-light2);
border:2px solid var(--b-light2);
}
.tc{
background:#fff;
padding:30px 26px 26px;
display:flex;flex-direction:column;gap:10px;
position:relative;overflow:hidden;
transition:background .2s,transform .15s;
border-bottom:3px solid transparent;
}
.tc:hover{
background:var(--gold-pale);
border-bottom-color:var(--gold);
transform:translateY(-2px);
z-index:1;
}
.tc-tag{
font-family:var(--sans);
font-size:9px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;
color:var(--gold);
border:1.5px solid var(--b-gold2);
padding:4px 10px;align-self:flex-start;
background:var(--gold-pale);
}
.tc-ico{
width:42px;height:42px;
border:1.5px solid var(--b-gold2);
background:var(--gold-pale);
display:flex;align-items:center;justify-content:center;
color:var(--gold);
}
.tc-ico svg{
width:18px;height:18px;fill:none;
stroke:currentColor;stroke-width:1.5;
stroke-linecap:round;stroke-linejoin:round;
}
.tc-n{
font-family:var(--serif);font-size:19px;
font-weight:400;color:var(--navy);line-height:1.2;
}
.tc-d{
font-size:12px;font-weight:300;
color:var(--muted);line-height:1.65;flex:1;
}
.tc-a{
font-size:11px;font-weight:600;
color:var(--gold);letter-spacing:.06em;margin-top:4px;
}
/* โโ LOAN PROGRAMS โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.prog-bg{
background:var(--navy);
padding:80px 28px;
position:relative;overflow:hidden;
}
/* subtle texture on dark bg */
.prog-bg::before{
content:'';position:absolute;inset:0;
background:radial-gradient(ellipse 70% 50% at 80% 20%,rgba(184,147,58,.06) 0%,transparent 60%);
pointer-events:none;
}
.prog-inner{max-width:1140px;margin:0 auto;position:relative}
.prog-grid{
display:grid;
grid-template-columns:repeat(auto-fill,minmax(166px,1fr));
gap:12px;
}
/* alternating light/dark cards */
.pp{
background:rgba(255,255,255,.04);
border:1.5px solid rgba(184,147,58,.18);
padding:22px 16px 18px;
display:flex;flex-direction:column;gap:6px;
position:relative;
transition:border-color .2s,background .2s,transform .2s;
cursor:pointer;
}
.pp:hover{
border-color:var(--gold2);
background:rgba(184,147,58,.10);
transform:translateY(-3px);
}
/* alternate card: slightly lighter */
.pp:nth-child(even){
background:rgba(255,255,255,.07);
border-color:rgba(184,147,58,.14);
}
.pp:nth-child(3n){
background:rgba(23,44,68,.6);
border-color:rgba(184,147,58,.22);
}
.pp:nth-child(4n){
background:rgba(184,147,58,.07);
border-color:rgba(184,147,58,.28);
}
.pp-n{
font-family:var(--serif);
font-size:17px;font-weight:400;
color:#fff;line-height:1.2;
}
.pp-s{
font-size:10px;font-weight:300;
color:rgba(255,255,255,.42);line-height:1.5;
}
.pp-b{
position:absolute;top:-1px;right:-1px;
font-family:var(--sans);
font-size:8px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
background:var(--gold2);color:var(--navy);
padding:3px 8px;
border-bottom-left-radius:2px;
}
/* view all card */
.pp-all{
background:transparent;
border:1.5px solid var(--gold);
padding:22px 16px;
display:flex;flex-direction:column;
align-items:center;justify-content:center;
text-align:center;gap:6px;
transition:background .2s,transform .2s;cursor:pointer;
}
.pp-all:hover{background:rgba(184,147,58,.1);transform:translateY(-3px)}
.pp-all-n{
font-family:var(--serif);font-size:17px;
font-weight:400;color:var(--gold3);
}
.pp-all-s{font-size:10px;color:rgba(255,255,255,.4)}
/* โโ QUALIFY BANNER โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.qualify{
background:var(--navy2);
padding:88px 28px;text-align:center;
position:relative;overflow:hidden;
}
.qualify::before{
content:'';position:absolute;
inset:0;
background:radial-gradient(ellipse 60% 80% at 50% 50%,rgba(184,147,58,.07) 0%,transparent 70%);
pointer-events:none;
}
.qualify::after{
content:'';position:absolute;
top:0;left:0;right:0;height:2px;
background:linear-gradient(90deg,transparent,var(--gold),transparent);
}
.qualify-inner{position:relative;z-index:1}
.qualify .rule{margin:16px auto 24px}
.qualify .sec-h{color:#fff;margin-bottom:14px}
.q-sub{
font-size:15px;font-weight:300;
color:rgba(255,255,255,.55);
max-width:540px;margin:0 auto 36px;
line-height:1.8;
}
/* โโ NEIGHBORHOODS โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.hoods{
display:grid;
grid-template-columns:repeat(auto-fill,minmax(208px,1fr));
gap:0;
border:2px solid var(--b-light2);
}
/* checkerboard light/dark alternation */
.hood{
background:#fff;
border-right:1px solid var(--b-light);
border-bottom:1px solid var(--b-light);
padding:22px 20px;
transition:background .18s;
}
.hood:nth-child(even){background:var(--fog)}
.hood:nth-child(4n){background:var(--navy);border-color:rgba(255,255,255,.06)}
.hood:nth-child(4n) .hood-n{color:var(--gold3)}
.hood:nth-child(4n) .hood-d{color:rgba(255,255,255,.45)}
.hood:nth-child(4n):hover{background:var(--navy3)}
.hood:not(:nth-child(4n)):hover{background:var(--gold-pale)}
.hood-n{
font-family:var(--serif);font-size:16px;
font-weight:400;color:var(--navy);margin-bottom:5px;
line-height:1.2;
}
.hood-d{
font-size:11px;color:var(--muted);
line-height:1.55;font-weight:300;
}
/* โโ FAQ โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.faq{border-top:2px solid var(--b-light2)}
.faq-i{
border-bottom:1px solid var(--b-light);
padding:26px 0;
display:grid;grid-template-columns:24px 1fr;gap:16px;
}
.faq-num{
font-family:var(--serif);font-size:18px;
color:var(--gold);font-weight:400;
padding-top:2px;
}
.faq-q{
font-family:var(--serif);font-size:18px;
font-weight:400;color:var(--navy);
margin-bottom:10px;line-height:1.3;
}
.faq-a{
font-size:14px;font-weight:300;
color:var(--muted);line-height:1.78;
}
/* โโ MARKETS NAV โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.mkt-row{
display:grid;
grid-template-columns:repeat(auto-fill,minmax(250px,1fr));
gap:0;
border:2px solid var(--b-light2);
}
.mc{
background:#fff;
padding:30px 26px;
display:flex;flex-direction:column;gap:8px;
border-right:1px solid var(--b-light);
transition:background .18s,border-bottom .18s;
border-bottom:3px solid transparent;
position:relative;overflow:hidden;
}
.mc:last-child{border-right:none}
.mc:hover{
background:var(--gold-pale);
border-bottom-color:var(--gold);
}
/* dark accent card every 3rd */
.mc:nth-child(3n){
background:var(--navy);
border-right-color:rgba(255,255,255,.06);
}
.mc:nth-child(3n):hover{background:var(--navy3);border-bottom-color:var(--gold)}
.mc:nth-child(3n) .mc-st{color:var(--gold3)}
.mc:nth-child(3n) .mc-ci{color:#fff}
.mc:nth-child(3n) .mc-d{color:rgba(255,255,255,.45)}
.mc:nth-child(3n) .mc-a{color:var(--gold3)}
.mc-st{
font-size:9px;font-weight:600;
letter-spacing:.3em;text-transform:uppercase;color:var(--gold);
}
.mc-ci{
font-family:var(--serif);font-size:24px;
font-weight:300;color:var(--navy);line-height:1.1;
}
.mc-d{
font-size:12px;font-weight:300;
color:var(--muted);line-height:1.65;flex:1;
}
.mc-a{font-size:11px;font-weight:600;color:var(--gold);margin-top:4px;letter-spacing:.04em}
/* โโ REVIEWS โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.rev-bg{
background:var(--charcoal);
padding:80px 28px;text-align:center;
position:relative;overflow:hidden;
}
.rev-bg::after{
content:'';position:absolute;
top:0;left:0;right:0;height:2px;
background:linear-gradient(90deg,transparent,var(--gold2),transparent);
}
.rev-in{max-width:1000px;margin:0 auto;position:relative;z-index:1}
.rev-h{
font-family:var(--serif);
font-size:clamp(22px,3.2vw,36px);
font-weight:300;margin-bottom:14px;
background:linear-gradient(90deg,var(--gold),var(--gold3),var(--gold4),var(--gold3),var(--gold));
-webkit-background-clip:text;-webkit-text-fill-color:transparent;
background-clip:text;
}
.rev-s{
color:rgba(255,255,255,.52);
font-size:14px;font-weight:300;
margin-bottom:48px;line-height:1.7;
}
.rev-wrap{
background:#12151C;
padding:40px 32px;
border:1.5px solid rgba(184,147,58,.22);
border-top:2px solid var(--gold);
}
/* โโ CONTACT STRIP โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.contact{
background:var(--navy);
padding:48px 28px;
border-top:2px solid var(--gold);
position:relative;overflow:hidden;
}
.contact::after{
content:'';position:absolute;
bottom:0;left:0;right:0;height:1px;
background:linear-gradient(90deg,transparent,var(--gold),transparent);
}
.contact-in{
max-width:1140px;margin:0 auto;
display:flex;align-items:center;
justify-content:space-between;
flex-wrap:wrap;gap:24px;
}
.c-n{
font-family:var(--serif);
font-size:24px;font-weight:300;color:#fff;
line-height:1.2;
}
.c-m{
font-size:11px;color:rgba(255,255,255,.42);
margin-top:6px;letter-spacing:.04em;
line-height:1.8;
}
.c-m a{color:var(--gold3);font-weight:500}
.c-a{display:flex;gap:10px;flex-wrap:wrap;margin-top:4px}
/* โโ TEAM SECTION โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.team-grid{
display:grid;grid-template-columns:1fr 1fr;gap:24px;
}
.team-card{
background:var(--fog);
border:2px solid var(--b-light2);
border-top:3px solid var(--gold);
padding:40px 32px;
display:flex;flex-direction:column;
align-items:center;text-align:center;gap:16px;
}
.team-img{
width:120px;height:120px;
border-radius:50%;object-fit:cover;
border:3px solid var(--gold2);
outline:6px solid rgba(184,147,58,.15);
}
.team-name{
font-family:var(--serif);font-size:22px;
font-weight:400;color:var(--navy);
}
.team-role{
font-size:10px;font-weight:600;
letter-spacing:.2em;text-transform:uppercase;
color:var(--gold);
}
.team-meta{
font-size:13px;color:var(--muted);
line-height:1.7;
}
.team-meta a{color:var(--gold);font-weight:500}
/* โโ DIVIDER โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
.sec-divider{
height:1px;
background:linear-gradient(90deg,transparent,var(--b-light2) 20%,var(--b-light2) 80%,transparent);
margin:0 28px;
}
/* โโโโ RESPONSIVE โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
@media(max-width:900px){
.split{grid-template-columns:1fr}
.split-img{display:none}
.team-grid{grid-template-columns:1fr}
.strip{grid-template-columns:1fr 1fr}
}
@media(max-width:600px){
.hero{padding:90px 20px 80px;min-height:520px}
.wrap{padding:56px 20px}
.wrap-sm{padding:0 20px 56px}
.prog-bg{padding:56px 20px}
.qualify{padding:64px 20px}
.contact{padding:36px 20px}
.contact-in{flex-direction:column;align-items:flex-start}
.stat{padding:16px 18px}
.logos-row{gap:28px;padding:24px 20px}
.logos-row img{height:36px}
.logos-row img:first-child{height:40px}
.cta-row{flex-direction:column;align-items:center}
.strip{grid-template-columns:1fr}
.prog-grid{grid-template-columns:1fr 1fr;gap:8px}
.faq-i{grid-template-columns:1fr}
}
/* โโโโ MOBILE ENHANCEMENTS โ FULL AUDIT PATCH โโโโโโโโโโโโโโโโ */
/* โโ 480px: phones in portrait โโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโโ */
@media(max-width:480px){
/* Hero: tighten further for small phones */
.hero{padding:72px 16px 64px;min-height:480px}
.eyebrow{font-size:9px;letter-spacing:.2em;flex-wrap:wrap}
.eyebrow::before,.eyebrow::after{display:none}
.hero h1{font-size:clamp(28px,9vw,42px);line-height:1.08}
.hero-sub{font-size:13px;margin-bottom:32px}
.hrule{margin:18px auto}
/* Stat bar: smaller padding, allow 2-column wrap on tiny screens */
.statbar{display:grid;grid-template-columns:1fr 1fr}
.stat{border-right:none;border-bottom:1px solid rgba(8,21,31,.14);padding:14px 10px}
.stat:nth-child(odd){border-right:1px solid rgba(8,21,31,.14)}
.stat:last-child{grid-column:1/-1;border-bottom:none}
.stat-n{font-size:20px}
.stat-l{font-size:8px}
/* Logos: stack tighter */
.logos-row{gap:20px;padding:20px 16px}
.logos-row img{height:30px}
.logos-row img:first-child{height:34px}
/* Section padding */
.wrap{padding:44px 16px}
.wrap-sm{padding:0 16px 44px}
.prog-bg{padding:44px 16px}
.qualify{padding:52px 16px}
.contact{padding:28px 16px}
/* Section headings */
.sec-h{font-size:clamp(22px,7vw,32px);margin-bottom:28px}
.lbl{font-size:8px;letter-spacing:.24em}
/* Buttons: full width on tiny screens for max tap area */
.cta-row{flex-direction:column;align-items:stretch;gap:10px}
.btn-gold,.btn-ghost,.btn-ghost-dark{
padding:16px 20px;
text-align:center;
justify-content:center;
font-size:11px;
min-height:48px; /* Google's recommended min tap target */
}
/* Tools grid: single column */
.tools{grid-template-columns:1fr}
.tc{padding:22px 18px}
/* Programs: single column on smallest screens */
.prog-grid{grid-template-columns:1fr;gap:8px}
.pp{padding:16px 14px}
.pp-n{font-size:16px}
/* Neighborhoods: single column */
.hoods{grid-template-columns:1fr}
.hood{padding:16px 14px}
/* FAQ: remove number column, stack */
.faq-i{grid-template-columns:1fr;gap:8px}
.faq-num{font-size:14px}
.faq-q{font-size:15px}
/* Markets: single column */
.mkt-row{grid-template-columns:1fr}
.mc{border-right:none;border-bottom:1px solid rgba(0,0,0,.08)}
.mc:nth-child(3n){border-right:none}
/* Contact: stack fully */
.contact-in{flex-direction:column;align-items:flex-start;gap:20px}
.c-n{font-size:18px}
.c-a{flex-direction:column;width:100%}
.c-a .btn-gold,.c-a .btn-ghost{width:100%;justify-content:center;min-height:48px}
/* Reviews */
.rev-wrap{padding:24px 16px}
.rev-h{font-size:clamp(18px,6vw,26px)}
/* Photo strip: 1 column */
.strip{grid-template-columns:1fr}
.strip img{height:200px}
}
/* โโ 360px: smallest Android phones โโโโโโโโโโโโโโโโโโโโโโโโโโโ */
@media(max-width:360px){
.hero h1{font-size:26px}
.stat-n{font-size:18px}
.sec-h{font-size:22px}
.btn-gold,.btn-ghost,.btn-ghost-dark{font-size:10px;letter-spacing:.1em}
}
/* โโ Touch: remove hover effects on touch devices โโโโโโโโโโโโโโ */
@media(hover:none){
.tc:hover{background:#fff;transform:none;border-bottom-color:transparent}
.pp:hover{background:rgba(255,255,255,.05);transform:none;border-color:rgba(184,147,58,.18)}
.hood:not(:nth-child(4n)):hover{background:#fff}
.hood:nth-child(even):hover{background:var(--fog)}
.mc:hover{background:#fff;border-bottom-color:transparent}
.mc:nth-child(3n):hover{background:var(--navy);border-bottom-color:transparent}
.strip img:hover{transform:none}
}
/* โโ Safe area insets for notched iPhones โโโโโโโโโโโโโโโโโโโโโ */
@supports(padding:env(safe-area-inset-left)){
.hero{padding-left:max(16px,env(safe-area-inset-left));padding-right:max(16px,env(safe-area-inset-right))}
.contact{padding-left:max(16px,env(safe-area-inset-left));padding-right:max(16px,env(safe-area-inset-right))}
}
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