<?xml version="1.0" encoding="UTF-8"?>
<!-- Sitemap for AdamDeCraene.com — drafted 2026-10-23; calculator pages and the first Guides & Answers article added 2026-10-23; VA calculator added 2026-10-24; footer compliance pages added 2026-10-24; nine state estimator pages added 2026-10-24.
     Update <lastmod> whenever a page's content changes materially, then redeploy. -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://adamdecraene.com/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/va-loan-calculator/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/dscr-calculator/</loc>
    <lastmod>2026-10-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/mortgage-calculator-with-extra-payments/</loc>
    <lastmod>2026-10-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/refinance-vs-heloc-calculator/</loc>
    <lastmod>2026-10-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/michigan-mortgage-calculator/</loc>
    <lastmod>2026-10-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/california-mortgage-calculator/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/florida-mortgage-calculator/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/texas-mortgage-calculator/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/washington-mortgage-calculator/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/colorado-mortgage-calculator/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/dc-mortgage-calculator/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/oregon-mortgage-calculator/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/new-hampshire-mortgage-calculator/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/idaho-mortgage-calculator/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/guides/heloc-with-620-credit-score/</loc>
    <lastmod>2026-10-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/privacy-policy/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/terms-of-use/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/privacy-choices/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://adamdecraene.com/accessibility/</loc>
    <lastmod>2026-10-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
</urlset>
