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<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Core pages -->
  <url>
    <loc>https://darynfillis.com/</loc>
    <lastmod>2026-04-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://darynfillis.com/about</loc>
    <lastmod>2026-04-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://darynfillis.com/schedule</loc>
    <lastmod>2026-04-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://darynfillis.com/faq</loc>
    <lastmod>2026-04-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Strategy pages -->
  <url>
    <loc>https://darynfillis.com/no-cost-refinance</loc>
    <lastmod>2026-04-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://darynfillis.com/competitive-offer-strategy</loc>
    <lastmod>2026-04-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://darynfillis.com/mortgage-under-management</loc>
    <lastmod>2026-04-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://darynfillis.com/pmi-strategy</loc>
    <lastmod>2026-04-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://darynfillis.com/interest-rate-vs-cost</loc>
    <lastmod>2026-04-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- For Agents -->
  <url>
    <loc>https://darynfillis.com/for-agents</loc>
    <lastmod>2026-04-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Partnership Plus landing page -->
  <url>
    <loc>https://darynfillis.com/partnership-plus</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Warm Handoff (for partner agents) -->
  <url>
    <loc>https://darynfillis.com/warm-handoff</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- IG / social linktree -->
  <!-- Self-Employed Mortgage -->
  <url>
    <loc>https://darynfillis.com/self-employed</loc>
    <lastmod>2026-04-23</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- First-Time Homebuyers -->
  <url>
    <loc>https://darynfillis.com/first-time-buyers</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Military & Veterans / VA Loans -->
  <url>
    <loc>https://darynfillis.com/military-veterans</loc>
    <lastmod>2026-04-26</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Tools -->
  <url>
    <loc>https://darynfillis.com/refi-rate-watch</loc>
    <lastmod>2026-04-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Field Notes -->
  <url>
    <loc>https://darynfillis.com/field-notes</loc>
    <lastmod>2026-04-24</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://darynfillis.com/field-notes/why-buyers-lose-homes</loc>
    <lastmod>2026-03-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://darynfillis.com/field-notes/no-cost-refinance</loc>
    <lastmod>2026-02-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://darynfillis.com/field-notes/81-percent-regret</loc>
    <lastmod>2026-01-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://darynfillis.com/field-notes/condo-financing-challenges</loc>
    <lastmod>2026-04-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Accessibility -->
  <url>
    <loc>https://darynfillis.com/accessibility</loc>
    <lastmod>2026-04-27</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Journey -->
  <url>
    <loc>https://darynfillis.com/journey</loc>
    <lastmod>2026-04-28</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Move-Up Method strategy -->
  <url>
    <loc>https://darynfillis.com/move-up-method</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Field Notes: trending topic blogs -->
  <url>
    <loc>https://darynfillis.com/field-notes/moving-with-a-low-mortgage-rate</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://darynfillis.com/field-notes/california-home-insurance-affordability</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://darynfillis.com/field-notes/when-an-arm-makes-sense</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Lead magnet: 2026 buyer's guide capture -->
  <url>
    <loc>https://darynfillis.com/decode3</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Mortgage calculator (interactive tool) -->
  <url>
    <loc>https://darynfillis.com/calculator</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://darynfillis.com/field-notes/new-condo-rules-2026</loc>
    <lastmod>2026-05-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://darynfillis.com/rate-watch</loc>
    <lastmod>2026-05-17</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://darynfillis.com/3months</loc>
    <lastmod>2026-04-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.60</priority>
  </url>

  <url>
    <loc>https://darynfillis.com/self-employed-playbook</loc>
    <lastmod>2026-04-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.65</priority>
  </url>

  <url>
    <loc>https://darynfillis.com/buying-vs-renting</loc>
    <lastmod>2026-05-17</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.90</priority>
  </url>

  <url>
    <loc>https://darynfillis.com/neighborhoods/santa-monica</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://darynfillis.com/neighborhoods/manhattan-beach</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

  <url>
    <loc>https://darynfillis.com/neighborhoods/marina-del-rey</loc>
    <lastmod>2026-05-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.85</priority>
  </url>

</urlset>
