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  <!-- Blog Post: 30-Year vs 15-Year -->
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  <!-- Blog Post: Down Payment -->
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  <!-- Blog Post: How Much House Can I Afford -->
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  ADD EVERY NEW POST HERE when you publish.
  Copy one <url> block and update:
    <loc>     → your new filename
    <lastmod> → today's date (YYYY-MM-DD)
  ══════════════════════════════════════════

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    <lastmod>2026-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
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