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        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="https://www.sitemaps.org/schemas/sitemap/0.9
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  <!-- Core pages -->
  <url>
    <loc>https://foreclosureloans.ca/</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/about-us</loc>
    <lastmod>2026-02-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/privacy-policy</loc>
    <lastmod>2026-01-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/terms-of-service</loc>
    <lastmod>2026-01-01</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Loan Types hub -->
  <url>
    <loc>https://foreclosureloans.ca/loan-types</loc>
    <lastmod>2026-02-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Loan Type detail pages -->
  <url>
    <loc>https://foreclosureloans.ca/loan-types/private-mortgage-loans</loc>
    <lastmod>2026-02-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/loan-types/second-mortgages</loc>
    <lastmod>2026-02-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/loan-types/bridge-loans</loc>
    <lastmod>2026-02-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/loan-types/home-equity-loans</loc>
    <lastmod>2026-02-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/loan-types/refinancing</loc>
    <lastmod>2026-02-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Provincial Resources hub -->
  <url>
    <loc>https://foreclosureloans.ca/provincial-resources</loc>
    <lastmod>2026-02-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Provincial detail pages -->
  <url>
    <loc>https://foreclosureloans.ca/provincial-resources/ontario</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/provincial-resources/british-columbia</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/provincial-resources/alberta</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/provincial-resources/manitoba</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/provincial-resources/saskatchewan</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/provincial-resources/nova-scotia</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/provincial-resources/new-brunswick</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/provincial-resources/newfoundland</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/provincial-resources/prince-edward-island</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Resource Centre hub -->
  <url>
    <loc>https://foreclosureloans.ca/resource-center</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.85</priority>
  </url>

  <!-- Article pages -->
  <url>
    <loc>https://foreclosureloans.ca/resource-center/article/understanding-foreclosure-process</loc>
    <lastmod>2025-05-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/resource-center/article/foreclosure-alternatives</loc>
    <lastmod>2025-05-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>
  <url>
    <loc>https://foreclosureloans.ca/resource-center/article/private-mortgage-loans-explained</loc>
    <lastmod>2025-05-05</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.75</priority>
  </url>

</urlset>
