<?xml version="1.0" encoding="UTF-8"?>
<!--
  ============================================================
  JumboLoan.com sitemap.xml
  Generated: 2026-04-29
  
  TIER 1 cluster articles (built and ready to deploy):
    - what-is-a-jumbo-loan.php       (HUB)
    - jumbo-loan-limits-2026.php
    - jumbo-loan-rates.php
    - jumbo-loan-calculator.php
    - jumbo-loan-vs-conventional.php
    - jumbo-loan-requirements.php
    - jumbo-loan-down-payment.php
  
  TODO FOR PROGRAMMER:
  1. Add the 95 Florida ZIP code pages — append <url> entries
     for each zip code page (e.g., /florida-zip-codes/33101.php)
     using the same pattern as the entry below for /florida-zip-code.php
  2. Submit to Google Search Console at:
     https://search.google.com/search-console
  3. Submit to Bing Webmaster Tools at:
     https://www.bing.com/webmasters
  4. Reference in robots.txt:
     Sitemap: https://www.jumboloan.com/sitemap.xml
  ============================================================
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

  <!-- ═══ HOMEPAGE — highest priority ═══ -->
  <url>
    <loc>https://www.jumboloan.com/</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ═══ HUB ARTICLE — Skyscraper, top priority after homepage ═══ -->
  <url>
    <loc>https://www.jumboloan.com/what-is-a-jumbo-loan.php</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ═══ TIER 1 CLUSTER ARTICLES — built 2026-04-29 ═══ -->
  <url>
    <loc>https://www.jumboloan.com/jumbo-loan-limits-2026.php</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.jumboloan.com/jumbo-loan-rates.php</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <url>
    <loc>https://www.jumboloan.com/jumbo-loan-calculator.php</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.jumboloan.com/jumbo-loan-vs-conventional.php</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.jumboloan.com/jumbo-loan-requirements.php</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://www.jumboloan.com/jumbo-loan-down-payment.php</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ═══ PROGRAM PAGES ═══ -->
  <url>
    <loc>https://www.jumboloan.com/jumbo-loan-programs.php</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ═══ INFO / CONVERSION PAGES ═══ -->
  <url>
    <loc>https://www.jumboloan.com/articles.php</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://www.jumboloan.com/jumbo-loan-faq.php</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ═══ COMPLIANCE / LEGAL ═══ -->
  <url>
    <loc>https://www.jumboloan.com/privacy-policy.php</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <url>
    <loc>https://www.jumboloan.com/disclosures.php</loc>
    <lastmod>2026-04-29</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
