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  <!-- Core Pages -->
  <url>
    <loc>https://davidstreitmortgage.com/</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/loan-programs</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/about</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/maryland</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Loan Program Pages -->
  <url>
    <loc>https://davidstreitmortgage.com/loan-programs/conventional-loans</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/loan-programs/fha-loans</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/loan-programs/va-loans</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/loan-programs/usda-loans</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/loan-programs/refinance</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/loan-programs/12-month-bank-statement-loans</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/loan-programs/24-month-bank-statement-loans</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/loan-programs/heloc</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/loan-programs/heloan</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/loan-programs/reverse-mortgage</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/loan-programs/jumbo-non-qm-loans</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Location Pages -->
  <url>
    <loc>https://davidstreitmortgage.com/maryland/baltimore</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/maryland/annapolis</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/maryland/columbia</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Calculators -->
  <url>
    <loc>https://davidstreitmortgage.com/calculators/mortgage</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/calculators/refinance</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/calculators/affordability</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/calculators/amortization</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://davidstreitmortgage.com/calculators/buy-vs-rent</loc>
    <lastmod>2026-09-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
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