<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1"
        xmlns:news="http://www.google.com/schemas/sitemap-news/0.9"
        xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9
                           http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">
  
  <!-- Main Mortgage Calculator Page -->
  <url>
    <loc>https://myfreemortgagecalculator.com/</loc>
    <lastmod>2025-05-27</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
    <image:image>
      <image:loc>https://myfreemortgagecalculator.com/images/mortgage-calculator-preview.jpg</image:loc>
      <image:title>Free Mortgage Calculator 2025</image:title>
      <image:caption>Calculate monthly mortgage payments including principal, interest, taxes, insurance and PMI</image:caption>
    </image:image>
  </url>
  
  <!-- Contact Page -->
  <url>
    <loc>https://myfreemortgagecalculator.com/contact.html</loc>
    <lastmod>2025-05-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  
  <!-- Terms of Service Page -->
  <url>
    <loc>https://myfreemortgagecalculator.com/tos.html</loc>
    <lastmod>2025-05-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  
  <!-- Privacy Policy Page -->
  <url>
    <loc>https://myfreemortgagecalculator.com/privacypolicy.html</loc>
    <lastmod>2025-05-27</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

</urlset>