<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml">

  <!-- Homepage / Conventional Loan Calculator -->
  <url>
    <loc>https://www.mortgagecalctool.com/</loc>
    <lastmod>2025-07-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Conventional Amortization Tab -->
  <url>
    <loc>https://www.mortgagecalctool.com/#tab-schedule</loc>
    <lastmod>2025-07-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- FHA Loan Calculator Tab -->
  <url>
    <loc>https://www.mortgagecalctool.com/#tab-fha</loc>
    <lastmod>2025-07-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- FHA Amortization Tab -->
  <url>
    <loc>https://www.mortgagecalctool.com/#tab-fha-schedule</loc>
    <lastmod>2025-07-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Payoff Calculator Tab -->
  <url>
    <loc>https://www.mortgagecalctool.com/#tab-payoff</loc>
    <lastmod>2025-07-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Guide Tab -->
  <url>
    <loc>https://www.mortgagecalctool.com/#tab-guide</loc>
    <lastmod>2025-07-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- FAQ Tab -->
  <url>
    <loc>https://www.mortgagecalctool.com/#tab-faq</loc>
    <lastmod>2025-07-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

</urlset>
