<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
  
  <!-- Main landing page - Mortgage Tracker & Payoff Calculator -->
  <url>
    <loc>https://themortgagetracker.com/</loc>
    <lastmod>2025-11-12</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>
  
  <!-- Mortgage Calculator Tool -->
  <url>
    <loc>https://themortgagetracker.com/mortgage-calculator</loc>
    <lastmod>2025-11-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Rate Forecast & Analysis -->
  <url>
    <loc>https://themortgagetracker.com/when-will-mortgage-rates-go-down</loc>
    <lastmod>2025-11-12</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Comprehensive Mortgage Guide -->
  <url>
    <loc>https://themortgagetracker.com/mortgage-guide</loc>
    <lastmod>2025-11-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

</urlset>