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    <loc>https://www.yourmortgagetoolbox.com/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <!-- ── CALCULATORS (flagship first) ── -->
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    <loc>https://www.yourmortgagetoolbox.com/mortgage-calculator/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
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  <url>
    <loc>https://www.yourmortgagetoolbox.com/mortgage-payment-calculator/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://www.yourmortgagetoolbox.com/mortgage-pre-qualification-calculator/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.yourmortgagetoolbox.com/income-needed-for-mortgage-calculator/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.yourmortgagetoolbox.com/home-sale-net-proceeds-calculator/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.yourmortgagetoolbox.com/mortgage-refinance-calculator/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.yourmortgagetoolbox.com/rent-vs-buy-calculator/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.yourmortgagetoolbox.com/down-payment-savings-calculator/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── CONTENT PAGES ── -->
  <url>
    <loc>https://www.yourmortgagetoolbox.com/guides.html</loc>
    <lastmod>2026-05-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.yourmortgagetoolbox.com/faq.html</loc>
    <lastmod>2026-05-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.yourmortgagetoolbox.com/donate.html</loc>
    <lastmod>2026-05-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.yourmortgagetoolbox.com/license.html</loc>
    <lastmod>2026-05-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>
  <url>
    <loc>https://www.yourmortgagetoolbox.com/privacy.html</loc>
    <lastmod>2026-05-06</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
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