<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  
  <!-- Homepage -->
  <url>
    <loc>https://mortgage-site.manus.space/</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  
  <!-- Service Pages -->
  <url>
    <loc>https://mortgage-site.manus.space/services/purchase</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <url>
    <loc>https://mortgage-site.manus.space/services/refinance</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <url>
    <loc>https://mortgage-site.manus.space/services/home-equity</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Calculator -->
  <url>
    <loc>https://mortgage-site.manus.space/calculator</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Pre-Qualification -->
  <url>
    <loc>https://mortgage-site.manus.space/pre-qualify</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- FAQ -->
  <url>
    <loc>https://mortgage-site.manus.space/faq</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- Blog -->
  <url>
    <loc>https://mortgage-site.manus.space/blog</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- Legal Pages -->
  <url>
    <loc>https://mortgage-site.manus.space/privacy</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  
  <url>
    <loc>https://mortgage-site.manus.space/terms</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  
  <url>
    <loc>https://mortgage-site.manus.space/licensing</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  
  <!-- State Landing Pages (Top 10 states) -->
  <url>
    <loc>https://mortgage-site.manus.space/states/california</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://mortgage-site.manus.space/states/texas</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://mortgage-site.manus.space/states/florida</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://mortgage-site.manus.space/states/new-york</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://mortgage-site.manus.space/states/pennsylvania</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://mortgage-site.manus.space/states/illinois</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://mortgage-site.manus.space/states/ohio</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://mortgage-site.manus.space/states/georgia</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://mortgage-site.manus.space/states/north-carolina</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
  <url>
    <loc>https://mortgage-site.manus.space/states/michigan</loc>
    <lastmod>2025-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  
</urlset>
