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    <lastmod>2026-06-04</lastmod>
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  <url>
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    <lastmod>2026-06-04</lastmod>
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  <url>
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    <lastmod>2026-06-04</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- Disaster Area Tracking -->
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    <loc>https://fha203hloans.com/current-disaster-areas.html</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>weekly</changefreq>
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  <url>
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    <lastmod>2026-06-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <!-- Location-Specific Pages -->
  <url>
    <loc>https://fha203hloans.com/randall-county-texas-fha-disaster-loans.html</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
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  <!-- Realtor & Partner Resources -->
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    <loc>https://fha203hloans.com/realtor-resources.html</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- Legal / Compliance (add when pages exist) -->
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    <loc>https://fha203hloans.com/privacy-policy.html</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>yearly</changefreq>
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  <url>
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