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  <!-- ============ MAIN ============ -->
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  <url>
    <loc>https://heromortgagegroup.com/apply.html</loc>
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  <url>
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  <url>
    <loc>https://heromortgagegroup.com/calculators.html</loc>
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  <!-- ============ PROGRAMS ============ -->
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    <loc>https://heromortgagegroup.com/va-loans.html</loc>
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  <url>
    <loc>https://heromortgagegroup.com/fha-loans.html</loc>
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  <url>
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    <priority>0.9</priority>
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  <url>
    <loc>https://heromortgagegroup.com/jumbo-loans.html</loc>
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    <priority>0.8</priority>
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  <url>
    <loc>https://heromortgagegroup.com/construction-loans.html</loc>
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  <url>
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  <url>
    <loc>https://heromortgagegroup.com/non-qm-loans.html</loc>
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    <priority>0.8</priority>
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  <url>
    <loc>https://heromortgagegroup.com/heroes-and-dpa.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
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  <!-- ============ PROFESSION PAGES ============ -->
  <url><loc>https://heromortgagegroup.com/mortgage-for-firefighters.html</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://heromortgagegroup.com/mortgage-for-military.html</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://heromortgagegroup.com/mortgage-for-police.html</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://heromortgagegroup.com/mortgage-for-healthcare.html</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://heromortgagegroup.com/mortgage-for-teachers.html</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://heromortgagegroup.com/mortgage-for-emt-paramedic.html</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- ============ STATE PAGES ============ -->
  <url><loc>https://heromortgagegroup.com/florida-mortgage-broker.html</loc><changefreq>monthly</changefreq><priority>1.0</priority></url>
  <url><loc>https://heromortgagegroup.com/texas-mortgage-broker.html</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://heromortgagegroup.com/colorado-mortgage-broker.html</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
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  <url><loc>https://heromortgagegroup.com/arizona-mortgage-broker.html</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://heromortgagegroup.com/california-mortgage-broker.html</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://heromortgagegroup.com/idaho-mortgage-broker.html</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://heromortgagegroup.com/michigan-mortgage-broker.html</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://heromortgagegroup.com/tennessee-mortgage-broker.html</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>
  <url><loc>https://heromortgagegroup.com/pennsylvania-mortgage-broker.html</loc><changefreq>monthly</changefreq><priority>0.9</priority></url>

  <!-- ============ EDUCATION ============ -->
  <url>
    <loc>https://heromortgagegroup.com/education.html</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://heromortgagegroup.com/article-va-benefit-explained.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://heromortgagegroup.com/article-fha-vs-conventional.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://heromortgagegroup.com/article-refi-breakeven.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
    <loc>https://heromortgagegroup.com/article-first-time-buyer.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <loc>https://heromortgagegroup.com/article-non-qm-explained.html</loc>
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  <url>
    <loc>https://heromortgagegroup.com/article-heroes-dpa-explained.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- ============ PLAYBOOKS + LEGAL (added 2026-06-18) ============ -->
  <url>
    <loc>https://heromortgagegroup.com/playbooks/firefighter-mortgage-playbook-download.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
    <loc>https://heromortgagegroup.com/playbooks/emt-mortgage-playbook-download.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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  <url>
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    <priority>0.8</priority>
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  <url>
    <loc>https://heromortgagegroup.com/playbooks/healthcare-mortgage-playbook-download.html</loc>
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    <priority>0.8</priority>
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  <url>
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  <url>
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  <url>
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  <url>
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  <url>
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  <url>
    <loc>https://heromortgagegroup.com/playbooks/dpa-hero-programs-playbook.html</loc>
    <changefreq>monthly</changefreq>
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  </url>
  <url>
    <loc>https://heromortgagegroup.com/playbooks/conventional-loan-playbook.html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://heromortgagegroup.com/playbooks/fha-loan-playbook.html</loc>
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    <priority>0.6</priority>
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  <url>
    <loc>https://heromortgagegroup.com/playbooks/va-loan-playbook.html</loc>
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  <url>
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  <url>
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  <url>
    <loc>https://heromortgagegroup.com/terms.html</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <!-- ============ STATE x PROFESSION MATRIX (72 pages, added 2026-06-19) ============ -->
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