<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- Primary Homepage & Root App -->
  <url>
    <loc>https://basicmtg.online/</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  
  <!-- Core Mortgage Calculator Tool -->
  <url>
    <loc>https://basicmtg.online/#calculator</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- Full Amortization Schedule & CSV Export -->
  <url>
    <loc>https://basicmtg.online/#amortization</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  
  <!-- 15 vs 30 Year Loan Comparison Matrix -->
  <url>
    <loc>https://basicmtg.online/#comparison</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Home Affordability & 28/36 DTI Calculator -->
  <url>
    <loc>https://basicmtg.online/#affordability</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Mortgage Educational Guide & Formulas -->
  <url>
    <loc>https://basicmtg.online/#guide</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Frequently Asked Questions -->
  <url>
    <loc>https://basicmtg.online/#faq</loc>
    <lastmod>2026-09-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
</urlset>
