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  <!-- Homepage -->
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    <loc>https://www.seniorresourcesmortgage.com/</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>1.0</priority>
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  <!-- Core pages -->
  <url>
    <loc>https://www.seniorresourcesmortgage.com/get-started.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/for-advisors.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/find-your-fit.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/about.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.seniorresourcesmortgage.com/disclosures.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- Loan Programs hub -->
  <url>
    <loc>https://www.seniorresourcesmortgage.com/loans/</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
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    <lastmod>2026-06-23</lastmod>
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  <url>
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    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Reverse mortgage (HECM) pages -->
  <url>
    <loc>https://www.seniorresourcesmortgage.com/loans/hecm.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
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    <lastmod>2026-06-23</lastmod>
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  <!-- Product pages -->
  <url>
    <loc>https://www.seniorresourcesmortgage.com/loans/homesafe-second.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/loans/heloc-for-seniors.html</loc>
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  <url>
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    <lastmod>2026-06-23</lastmod>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/loans/figure-heloc.html</loc>
    <lastmod>2026-06-23</lastmod>
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  <url>
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    <lastmod>2026-06-23</lastmod>
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  <!-- Locations -->
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    <lastmod>2026-06-23</lastmod>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/locations/phoenix.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/locations/mesa.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.seniorresourcesmortgage.com/locations/scottsdale.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/locations/tucson.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog -->
  <url>
    <loc>https://www.seniorresourcesmortgage.com/blog/</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/blog/how-reverse-mortgage-works.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/blog/reverse-mortgage-myths.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/blog/hecm-vs-heloc.html</loc>
    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
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    <lastmod>2026-06-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/blog/reverse-mortgage-pros-cons.html</loc>
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    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
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    <lastmod>2026-06-23</lastmod>
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  <url>
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  <url>
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    <lastmod>2026-06-23</lastmod>
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    <priority>0.8</priority>
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  <!-- State-localized blog posts (AZ/CA/TN) added 2026-07-16 -->
  <url>
    <loc>https://www.seniorresourcesmortgage.com/blog/arizona-senior-housing-boom-2026.html</loc>
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    <priority>0.8</priority>
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    <priority>0.8</priority>
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    <priority>0.8</priority>
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  <url>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/blog/arizona-home-modifications.html</loc>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/blog/california-senior-housing-boom-2026.html</loc>
    <lastmod>2026-07-16</lastmod>
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    <priority>0.8</priority>
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  <url>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/blog/california-aging-in-place-prop13.html</loc>
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  <url>
    <loc>https://www.seniorresourcesmortgage.com/blog/tennessee-senior-housing-boom-2026.html</loc>
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