<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Core Calculator (The App) -->
  <url>
    <loc>https://mortgagedly.com/</loc>
    <lastmod>2026-06-26</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- High-Value SEO Content Pages -->
  <url>
    <loc>https://mortgagedly.com/affordability-50k</loc>
    <lastmod>2026-06-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://mortgagedly.com/buying-points</loc>
    <lastmod>2026-06-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgagedly.com/rent-vs-buy</loc>
    <lastmod>2026-06-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Educational Resources -->
  <url>
    <loc>https://mortgagedly.com/manual</loc>
    <lastmod>2026-06-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgagedly.com/definitions</loc>
    <lastmod>2026-06-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgagedly.com/types</loc>
    <lastmod>2026-06-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgagedly.com/closing</loc>
    <lastmod>2026-06-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgagedly.com/amortization</loc>
    <lastmod>2026-06-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://mortgagedly.com/methodology</loc>
    <lastmod>2026-06-26</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Legal & Info Pages -->
  <url>
    <loc>https://mortgagedly.com/about-us</loc>
    <lastmod>2026-06-26</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://mortgagedly.com/privacy</loc>
    <lastmod>2026-06-26</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://mortgagedly.com/terms</loc>
    <lastmod>2026-06-26</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
</urlset>