<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  
  <!-- Homepage - Florida & Alabama DSCR Loans -->
  <url>
    <loc>https://dscr-loan-spark.lovable.app/</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  
  <!-- First-Time Homebuyer Landing -->
  <url>
    <loc>https://dscr-loan-spark.lovable.app/?audience=fthb</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Loan Programs -->
  <url>
    <loc>https://dscr-loan-spark.lovable.app/loan-programs</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- About Jennah Hilley -->
  <url>
    <loc>https://dscr-loan-spark.lovable.app/about</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Resources & Calculator -->
  <url>
    <loc>https://dscr-loan-spark.lovable.app/resources</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Realtor Partners -->
  <url>
    <loc>https://dscr-loan-spark.lovable.app/realtor-partners</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Contact -->
  <url>
    <loc>https://dscr-loan-spark.lovable.app/contact</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- Terms -->
  <url>
    <loc>https://dscr-loan-spark.lovable.app/terms</loc>
    <lastmod>2026-03-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
