function validateChoice() {
  var form = document.getElementById('chooseStateHome');
  form.onsubmit = function() {
    var sel = form.elements['loanTypeSel'];
    var choice = sel.selectedIndex;
    if(sel.options[choice].value == '/index.html'){
      var h = document.getElementById('chooseLoanH');
      h.style.color = '#cc0000';
      return false;
    }
  }
}
window.onload = validateChoice;