<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Homepage — highest priority -->
  <url>
    <loc>https://matttracymortgage.com/</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- About Page -->
  <url>
    <loc>https://matttracymortgage.com/about.html</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Contact Page -->
  <url>
    <loc>https://matttracymortgage.com/contact.html</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Resources & Blog Index -->
  <url>
    <loc>https://matttracymortgage.com/blog.html</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- First-Time Homebuyer Guide — high SEO value -->
  <url>
    <loc>https://matttracymortgage.com/first-time-homebuyer-guide.html</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Illinois-Specific Homebuying Information -->
  <url>
    <loc>https://matttracymortgage.com/illinois-homebuyer-guide.html</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Wisconsin Homebuyer Guide -->
  <url>
    <loc>https://matttracymortgage.com/wisconsin-homebuyer-guide.html</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Privacy Policy — lowest priority -->
  <url>
    <loc>https://matttracymortgage.com/privacy.html</loc>
    <lastmod>2026-06-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>

</urlset>
