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  <!-- ── Home ── -->
  <url>
    <loc>https://thetrustylender.com/</loc>
    <xhtml:link rel="alternate" hreflang="en" href="https://thetrustylender.com/"/>
    <xhtml:link rel="alternate" hreflang="es" href="https://thetrustylender.com/?lang=es"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://thetrustylender.com/"/>
    <lastmod>2026-07-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
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  <!-- ── Core pages ── -->
  <url>
    <loc>https://thetrustylender.com/programs</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://thetrustylender.com/refinance</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/investment</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/apply</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/process</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/empower</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/calculators</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/partners</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/about</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/contact</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/blog</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/resources</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── Residential Loan Programs ── -->
  <url>
    <loc>https://thetrustylender.com/programs/fha</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/programs/conventional</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/programs/va</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/programs/usda</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/programs/jumbo</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/programs/itin</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/programs/self-employed</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/programs/first-time</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/programs/investor</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/programs/property-types</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── Investment Hub + Sub-pages ── -->
  <url>
    <loc>https://thetrustylender.com/investment/dscr</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/investment/fix-and-flip</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/investment/foreign-national</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/investment/renovation</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/investment/bridge-loans</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/investment/multi-family</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Tools (Empower sub-pages) ── -->
  <url>
    <loc>https://thetrustylender.com/tools/payment</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/tools/buying-power</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/tools/w2</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/tools/schedule-c</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/tools/k1</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/tools/bank-statement</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/tools/advanced-calc</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/tools/scenario-comparator</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── Geo — Texas ── -->
  <url>
    <loc>https://thetrustylender.com/texas-mortgage-broker</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/texas/houston</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/texas/dallas</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/texas/san-antonio</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/texas/el-paso</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Geo — Florida ── -->
  <url>
    <loc>https://thetrustylender.com/florida-mortgage-broker</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/florida/miami</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/florida/orlando</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/florida/tampa</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── Legal ── -->
  <url>
    <loc>https://thetrustylender.com/privacy</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/terms</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://thetrustylender.com/disclosures</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

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