<?xml version="1.0" encoding="UTF-8"?>
<!--
  sitemap.xml
  Submit to Google Search Console:
  search.google.com/search-console → Sitemaps → sitemap.xml → Submit

  Add a new <url> block every time you publish a blog post or add a calculator.
  Domain: clearloancalc.com
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Homepage / main calculator -->
  <url>
    <loc>https://clearloancalc.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Calculator pages -->
  <url>
    <loc>https://clearloancalc.com/affordability</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://clearloancalc.com/refinance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://clearloancalc.com/extra-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog index -->
  <url>
    <loc>https://clearloancalc.com/blog</loc>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Blog posts -->
  <url>
    <loc>https://clearloancalc.com/blog/how-much-house-can-i-afford</loc>
    <lastmod>2026-05-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://clearloancalc.com/blog/fixed-rate-vs-arm-mortgage</loc>
    <lastmod>2026-05-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://clearloancalc.com/blog/what-is-pmi</loc>
    <lastmod>2026-05-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- NEW: Post 4 -->
  <url>
    <loc>https://clearloancalc.com/blog/how-much-is-a-down-payment-on-a-house</loc>
    <lastmod>2026-05-31</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- NEW: Post 5 -->
  <url>
    <loc>https://clearloancalc.com/blog/mortgage-calculator-texas</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Static pages -->
  <url>
    <loc>https://clearloancalc.com/about</loc>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://clearloancalc.com/privacy</loc>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>

</urlset>
