<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
        http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

  <!-- Homepage -->
  <url>
    <loc>https://houstonmortgagecalculator.com/</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Primary Calculators - High Priority -->
  <url>
    <loc>https://houstonmortgagecalculator.com/#mortgage</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#affordability</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#texas-homestead</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#refinance</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Investment Calculators -->
  <url>
    <loc>https://houstonmortgagecalculator.com/#rental</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#brrrr</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#flip</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#str-airbnb</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Mortgage Type Calculators -->
  <url>
    <loc>https://houstonmortgagecalculator.com/#fha-loan</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#va-loan</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#arm</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Property Tax & Texas Specific -->
  <url>
    <loc>https://houstonmortgagecalculator.com/#mud-tax</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Refinance Tools -->
  <url>
    <loc>https://houstonmortgagecalculator.com/#cash-out</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#heloc</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#recast</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Payoff Calculators -->
  <url>
    <loc>https://houstonmortgagecalculator.com/#early-payoff</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#extra-payments</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#bi-weekly</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#amortization</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Financial Planning -->
  <url>
    <loc>https://houstonmortgagecalculator.com/#dti</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#down-payment</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#closing-costs</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#pmi-calculator</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Comparison Tools -->
  <url>
    <loc>https://houstonmortgagecalculator.com/#rent-vs-buy</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://houstonmortgagecalculator.com/#loan-comparison</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Seller Tools -->
  <url>
    <loc>https://houstonmortgagecalculator.com/#seller-net</loc>
    <lastmod>2024-12-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

</urlset>
