=== Harborlight Mortgage — WordPress Theme (v2, Block Editor edition) ===

A clean, contemporary one-page landing theme for mortgage brokers.
Free to use and modify. The entire landing page is built from normal
WordPress blocks, so you edit it exactly the way you edit any page —
click on text and type. No code, no special tools.

== INSTALL (3 steps) ==

1. In your WordPress dashboard, go to:
   Appearance → Themes → Add New Theme → Upload Theme
2. Choose harborlight-mortgage.zip and click Install Now.
3. Click Activate.

On activation the theme automatically creates a page called "Home"
containing the full landing page, and sets it as your site's front
page. Your site is live immediately.

== EDIT YOUR SITE ==

Go to:  Pages → Home → Edit

That opens the standard WordPress Block Editor with the whole landing
page in it. Click any headline, sentence, card, review, question, or
privacy paragraph and just type. Highlight text for bold/links. Click
the About photo and choose "Replace" to add your own picture. Update
and you're done.

Two items on the page are "sealed" on purpose, so they can't be broken
while editing text:

   • The payment calculator   [harborlight_calculator]
   • The contact form         [harborlight_form]

They appear as small shortcode blocks in the editor and render as the
full working widgets on the site. Leave them as they are.

If you ever delete a section by mistake: click the + (block inserter)
→ Patterns → "Harborlight Mortgage" → insert the full landing page,
then remove the parts you don't need.

== THE THREE SETTINGS OUTSIDE THE PAGE ==

Appearance → Customize has just three small panels:

   • Brand colors        — change 5 colors, restyles the whole site
   • Contact form        — paste your form endpoint (see below)
   • Footer & disclosures — the legal text at the bottom of every page

Your BUSINESS NAME comes from Settings → General → Site Title. It
appears in the header logo and footer automatically.

== CONNECT THE CONTACT FORM ==

The form needs somewhere to send messages. Easiest free option:

1. Create a free form at https://formspree.io — you'll get a URL
   like https://formspree.io/f/abcd1234
2. Paste it into: Appearance → Customize → Contact form →
   "Form endpoint URL", then Publish.
3. The form now emails you every submission. (Until then, the form
   area shows a friendly setup notice instead of a dead form.)

== IMPORTANT — LICENSING DISCLOSURES ==

The NMLS ID, privacy policy, and footer disclosure text are STARTER
PLACEHOLDERS, not legal advice. Mortgage advertising and disclosure
requirements vary by state/province. Replace the placeholder numbers
with your real license information and have your privacy policy and
disclosures reviewed for your jurisdiction before going live.

== NOTES ==

• The monthly payment estimator works out of the box (principal &
  interest only; it says so on the card).
• The theme loads two Google Fonts (Fraunces + Inter).
• Fully responsive with a mobile menu; respects reduced-motion
  settings; keyboard focus visible.
• Requires WordPress 6.3 or newer (for the FAQ accordion block).
