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

  <!-- Homepage -->
  <url>
    <loc>https://mortgagecalculator.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Mortgage Rates (updated frequently) -->
  <url>
    <loc>https://mortgagecalculator.com/mortgage-rates</loc>
    <changefreq>daily</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Calculator Index -->
  <url>
    <loc>https://mortgagecalculator.com/calculators</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Individual Calculators -->
  <url>
    <loc>https://mortgagecalculator.com/calculators/mortgage-affordability-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://mortgagecalculator.com/calculators/refinance-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://mortgagecalculator.com/calculators/extra-payment-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://mortgagecalculator.com/calculators/amortization-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://mortgagecalculator.com/calculators/down-payment-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://mortgagecalculator.com/calculators/mortgage-rate-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://mortgagecalculator.com/calculators/mortgage-points-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://mortgagecalculator.com/calculators/rent-vs-buy-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://mortgagecalculator.com/calculators/mortgage-payoff-calculator</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Company Pages -->
  <url>
    <loc>https://mortgagecalculator.com/about</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <url>
    <loc>https://mortgagecalculator.com/contact</loc>
    <changefreq>yearly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Legal Pages -->
  <url>
    <loc>https://mortgagecalculator.com/privacy-policy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://mortgagecalculator.com/terms-of-service</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://mortgagecalculator.com/cookie-policy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://mortgagecalculator.com/disclaimer</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://mortgagecalculator.com/do-not-sell</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
