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<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <!-- === HOMEPAGE (Domain Authority Root) === -->
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- === CITY LANDING PAGES (Hub-and-Spoke Local SEO) === -->
  <!-- Hub: Port Coquitlam (HQ) — Highest city priority -->
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/port-coquitlam-mortgage-broker.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.95</priority>
  </url>
  <!-- Spoke: Coquitlam (currently ranking — maintain) -->
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/coquitlam-mortgage-broker.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <!-- Spoke: Port Moody (expansion target — 5km from HQ) -->
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/port-moody-mortgage-broker.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <!-- Spoke: Pitt Meadows (expansion target — 7km from HQ) -->
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/pitt-meadows-mortgage-broker.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>
  <!-- Spoke: Burnaby (expansion target — 13km from HQ) -->
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/burnaby-mortgage-broker.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- === CORE SERVICE PAGES === -->
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/services.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/areas.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/reviews.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/consultations.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/contact.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/financing.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/about.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- === SUPPORTING CONTENT === -->
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/calculators.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/faq.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/blog.html</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- === SERVICE DETAIL PAGES (14 Mortgage Services) === -->
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/service-detail.html?id=first-time</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/service-detail.html?id=refinancing</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/service-detail.html?id=renewals</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/service-detail.html?id=self-employed</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/service-detail.html?id=debt-consolidation</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/service-detail.html?id=pre-approvals</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/service-detail.html?id=home-purchase</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/service-detail.html?id=private-alternative</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/service-detail.html?id=investment</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/service-detail.html?id=new-to-canada</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/service-detail.html?id=renovations</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/service-detail.html?id=credit-improvement</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/service-detail.html?id=reverse-mortgage</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://milka-mortgage-platform.vercel.app/service-detail.html?id=commercial</loc>
    <lastmod>2026-03-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
</urlset>
