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  <!-- ── HOMEPAGE ── -->
  <url>
    <loc>https://www.helocedge.com/</loc>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- ── CALCULATORS HUB ── -->
  <url>
    <loc>https://www.helocedge.com/calculators/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- ── CORE CALCULATORS ── -->
  <url>
    <loc>https://www.helocedge.com/calculators/heloc-payment-calculator/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.helocedge.com/calculators/borrowing-power-calculator/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.helocedge.com/calculators/ltv-calculator/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.helocedge.com/calculators/interest-only-payment-calculator/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.helocedge.com/calculators/heloc-payoff-calculator/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── COMPARE CALCULATORS ── -->
  <url>
    <loc>https://www.helocedge.com/calculators/heloc-vs-home-equity-loan/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.helocedge.com/calculators/debt-consolidation-calculator/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── PLANNING CALCULATORS ── -->
  <url>
    <loc>https://www.helocedge.com/calculators/home-equity-tracker/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ── BLOG ── -->
  <url>
    <loc>https://www.helocedge.com/blog/</loc>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.helocedge.com/blog/how-much-can-i-borrow-with-a-heloc/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.helocedge.com/blog/heloc-vs-home-equity-loan/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.helocedge.com/blog/using-heloc-for-debt-consolidation/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ── SITE PAGES ── -->
  <url>
    <loc>https://www.helocedge.com/about/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.helocedge.com/contact/</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.helocedge.com/disclaimer/</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://www.helocedge.com/privacy-policy/</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>
  <url>
    <loc>https://www.helocedge.com/terms-of-use/</loc>
    <changefreq>yearly</changefreq>
    <priority>0.4</priority>
  </url>

</urlset>
