<div class="pm-container">
    <!-- Hero Section -->
    <div class="pm-hero">
        <h1>Fast Capital for Real Estate Investors</h1>
        <p class="pm-lead">We fund Fix & Flips, Bridge Loans, and Commercial Projects when banks say "No."</p>
        <div class="pm-cta-group">
            <a href="/apply" class="pm-btn pm-btn-primary">Get Funded Now</a>
            <a href="/programs" class="pm-btn pm-btn-outline">View Loan Programs</a>
        </div>
    </div>

    <!-- Value Props -->
    <div class="pm-section">
        <h2 style="text-align: center;">Why Choose Private Financing?</h2>
        <div class="pm-grid-3">
            <div class="pm-card">
                <h3>Speed to Close</h3>
                <p>Don't lose a deal waiting for a bank committee. We can close in as little as <strong>5-7 business days</strong>.</p>
            </div>
            <div class="pm-card">
                <h3>Asset-Based Lending</h3>
                <p>We lend on the value of the property, not just your personal tax returns or credit history.</p>
            </div>
            <div class="pm-card">
                <h3>Flexible Terms</h3>
                <p>Interest-only payments, no prepayment penalties on select loans, and construction draws released within 48 hours.</p>
            </div>
        </div>
    </div>

    <!-- Quick Stats -->
    <div class="pm-stats-bar">
        <div class="pm-stat">
            <span class="pm-number">$100k - $5M</span>
            <span class="pm-label">Loan Amounts</span>
        </div>
        <div class="pm-stat">
            <span class="pm-number">Up to 75%</span>
            <span class="pm-label">Loan-to-Value (LTV)</span>
        </div>
        <div class="pm-stat">
            <span class="pm-number">12-24 Mos</span>
            <span class="pm-label">Typical Terms</span>
        </div>
    </div>

    <!-- Call to Action -->
    <div class="pm-banner">
        <h2>Have a deal under contract?</h2>
        <p>Get a term sheet within 24 hours.</p>
        <br>
        <a href="/apply" class="pm-btn pm-btn-white">Submit Deal Details</a>
    </div>
</div>