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  <!-- Homepage -->
  <url>
    <loc>https://mortgagegenius.pro/</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>1.0</priority>
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  <!-- National Loan Pillars -->
  <url>
    <loc>https://mortgagegenius.pro/loan-programs/fha-loans</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
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  <url>
    <loc>https://mortgagegenius.pro/loan-programs/va-loans</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
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  <url>
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    <lastmod>2026-06-04</lastmod>
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  <url>
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    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
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  <url>
    <loc>https://mortgagegenius.pro/jumbo-loans</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.9</priority>
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  <url>
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    <changefreq>monthly</changefreq>
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  <url>
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    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.9</priority>
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  <url>
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    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.9</priority>
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  <!-- National Refinance Pillars / Hubs -->
  <url>
    <loc>https://mortgagegenius.pro/refinance-my-mortgage</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
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  <url>
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  <url>
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    <lastmod>2026-06-04</lastmod>
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  <url>
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  <url>
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    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
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  <!-- Arizona State Hub -->
  <url>
    <loc>https://mortgagegenius.pro/az-broker</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.9</priority>
  </url>

  <!-- Arizona Purchase Spokes -->
  <url>
    <loc>https://mortgagegenius.pro/az-broker/home-purchase</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgagegenius.pro/az-broker/first-time-homebuyer</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
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  <url>
    <loc>https://mortgagegenius.pro/az-broker/fha-home-purchase</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
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  <url>
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  <url>
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    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
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  <url>
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    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
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  <url>
    <loc>https://mortgagegenius.pro/az-broker/jumbo-home-purchase</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
  </url>

  <!-- Arizona Refinance Spokes -->
  <url>
    <loc>https://mortgagegenius.pro/az-broker/refinance</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
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  <url>
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    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
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  <url>
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    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
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  <url>
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    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
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  <url>
    <loc>https://mortgagegenius.pro/az-broker/cash-out-refinance</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
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  <url>
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    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
  </url>

  <!-- Arizona VA Spokes -->
  <url>
    <loc>https://mortgagegenius.pro/az-broker/va-loans</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
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  <url>
    <loc>https://mortgagegenius.pro/az-broker/va-irrrl</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
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  <url>
    <loc>https://mortgagegenius.pro/az-broker/va-cash-out</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
  </url>

  <!-- Arizona Specialty Spokes -->
  <url>
    <loc>https://mortgagegenius.pro/az-broker/heloc</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgagegenius.pro/az-broker/jumbo-mortgage</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
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  <url>
    <loc>https://mortgagegenius.pro/az-broker/usda-loans</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
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  <url>
    <loc>https://mortgagegenius.pro/az-broker/construction-loans</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://mortgagegenius.pro/az-broker/investment-property</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
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  <url>
    <loc>https://mortgagegenius.pro/az-broker/reverse-mortgage</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
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  <url>
    <loc>https://mortgagegenius.pro/az-broker/second-home</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
  </url>

  <!-- Arizona City Pages (real components) -->
  <url>
    <loc>https://mortgagegenius.pro/az-broker/scottsdale</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.7</priority>
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  <url>
    <loc>https://mortgagegenius.pro/az-broker/sedona</loc>
    <changefreq>monthly</changefreq>
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  <url>
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  <url>
    <loc>https://mortgagegenius.pro/az-broker/tucson</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.7</priority>
  </url>

  <!-- Learn / Educational Pages -->
  <url>
    <loc>https://mortgagegenius.pro/learn</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.6</priority>
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  <url>
    <loc>https://mortgagegenius.pro/learn/buying-a-home-process</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://mortgagegenius.pro/learn/first-time-homebuyer-programs</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.6</priority>
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  <url>
    <loc>https://mortgagegenius.pro/learn/seasoned-funds</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.6</priority>
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  <url>
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    <changefreq>monthly</changefreq>
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    <priority>0.6</priority>
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  <url>
    <loc>https://mortgagegenius.pro/learn/pmi-explained</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.6</priority>
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  <url>
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    <changefreq>monthly</changefreq>
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    <priority>0.6</priority>
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  <url>
    <loc>https://mortgagegenius.pro/learn/redlining</loc>
    <changefreq>monthly</changefreq>
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    <priority>0.6</priority>
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  <url>
    <loc>https://mortgagegenius.pro/learn/ecoa-regulation-b</loc>
    <changefreq>monthly</changefreq>
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    <priority>0.6</priority>
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  <url>
    <loc>https://mortgagegenius.pro/learn/appraisals</loc>
    <changefreq>monthly</changefreq>
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    <priority>0.6</priority>
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  <url>
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  <url>
    <loc>https://mortgagegenius.pro/learn/credit-score-requirements</loc>
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  <url>
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  <url>
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    <changefreq>monthly</changefreq>
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    <priority>0.6</priority>
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  <!-- Utility / Conversion Pages -->
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    <loc>https://mortgagegenius.pro/prequal</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.8</priority>
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  <url>
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  <url>
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    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.3</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://mortgagegenius.pro/accessibility</loc>
    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.3</priority>
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    <changefreq>monthly</changefreq>
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    <priority>0.3</priority>
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  <url>
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    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.3</priority>
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  <url>
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    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.3</priority>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
    <lastmod>2026-06-04</lastmod>
    <priority>0.3</priority>
  </url>
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