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      <image:title>NAMP® Certificants - Margaret  Everett</image:title>
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    <lastmod>2020-12-16</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1608063717264-LIQ0A2M14NIUEXOZHID1/Certificant_Blue_Image.gif</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1607981454134-FHQTG42SPLRBJ3K8UI6Y/Certificant_Blue_Image.gif</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1608425821191-9AKUS4LLXVLOLMF8EQJS/Joseph+Smith.jpg</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1607723059958-1BL7UW7YK1CXHUKXF1X9/Certificant_Blue_Image.gif</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1607545009656-X5FXUQEGMEGJ0Z3D6BPE/Certificant_Blue_Image.gif</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1607796073737-RTH0P45EM2TNEKG6HR0P/Tina+Turner.jpg</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1607458430039-IOTXID8GAJ68PJHP6XXK/Certificant_Blue_Image.gif</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1607795802340-NX4VP3XGBND2ZNTMSLPE/Kelly+Lynne+Harkins.jpg</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1608426693102-7KQG96UGDVO2KMVBQZD6/Todd+Keys.jpg</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1607456106950-WJ6H5CRQGNYTWJ6W7381/Certificant_Blue_Image.gif</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1607795504953-FBRSSF0J3GJ1XN8HDCEX/Robin+Lucey.jpg</image:loc>
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    <loc>https://www.mortgageprocessor.org/namp-members/2020/12/3/krishna-a-vielma</loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1606325865617-V9V7KT9WBFKXR12DTR3D/Certificant_Blue_Image.gif</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1605919752991-86N5R6FIFDENHKIZOQEV/Certificant_Blue_Image.gif</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1605905824647-5GLUT6SWVQ246DFTMY90/Certificant_Blue_Image.gif</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1605746414023-HTVHLCTVYD0KWLV7Y42F/Certificant_Blue_Image.gif</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1605745313964-50IXYLUUIEE1IZD0RSJG/Certificant_Blue_Image.gif</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1605660521572-96ZRVUO8UIFK81QBLPAM/Certificant_Blue_Image.gif</image:loc>
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    <loc>https://www.mortgageprocessor.org/namp-members/2017/5/17/chad-a-bratton</loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1472773834908-4VPGYRSRWMCOTBMSLXDZ/image-asset.jpeg</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1478547794662-W3V9Y812J7KTTG1LNIVK/IMG_3317.JPG</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1478814136709-DMCEHLHQZ60O8SV1FM86/20161109_100545-1-1.jpg</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1477339402480-OVWUHG8D3MXT7HH2934G/image-asset.jpeg</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1473366672853-F3ZETBVH7S9GME4HQ6SO/image-asset.jpeg</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1476811171207-VFZMVZC1IO9ULAR0X3JR/image-asset.jpeg</image:loc>
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    <loc>https://www.mortgageprocessor.org/namp-members/2016/9/8/glenda-s-anderson</loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1477598576750-QXGKEOFRW3ZRBF7Y1S5V/image-asset.jpeg</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1477938618728-JM5UFBR44ZWV1VNJ4E0R/image-asset.jpeg</image:loc>
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    <loc>https://www.mortgageprocessor.org/namp-members/2016/8/30/norma-a-tovar</loc>
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    <loc>https://www.mortgageprocessor.org/namp-members/2016/11/6/corrine-barkley</loc>
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    <loc>https://www.mortgageprocessor.org/namp-members/2016/9/22/vincent-centrone</loc>
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    <loc>https://www.mortgageprocessor.org/namp-members/2016/8/31/nancy-mikhael</loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1461774702646-8P2BX7Z4C99WONOZVXHX/image-asset.jpeg</image:loc>
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    <loc>https://www.mortgageprocessor.org/namp-members/2015/12/7/chelsea-membrino</loc>
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    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/10/26/hud-section-8-homeownership-voucher-program</loc>
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    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/10/26/private-mortgage-insurance-cancellation-part-one</loc>
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    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/10/19/basics-tax-returns-analysis</loc>
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    <lastmod>2015-03-04</lastmod>
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    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/10/12/review-appraisal-first-part-2</loc>
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    <lastmod>2015-03-04</lastmod>
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      <image:title>LIBRARY - Review the Appraisal First! (Part 2)</image:title>
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    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/09/27/10-commandments-mortgage-financing</loc>
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    <lastmod>2015-03-04</lastmod>
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    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/09/14/three-goals-consistent-post-closing-audit-success</loc>
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    <lastmod>2015-03-04</lastmod>
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    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/09/07/ptd-ptf-add</loc>
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    <lastmod>2015-03-04</lastmod>
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    <lastmod>2015-03-04</lastmod>
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    <lastmod>2015-03-04</lastmod>
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    <lastmod>2015-03-04</lastmod>
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    <lastmod>2015-03-05</lastmod>
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    <lastmod>2015-03-05</lastmod>
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    <lastmod>2015-03-05</lastmod>
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    <lastmod>2015-03-05</lastmod>
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    <lastmod>2015-03-05</lastmod>
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    <lastmod>2017-12-18</lastmod>
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    <lastmod>2015-03-05</lastmod>
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    <lastmod>2017-12-18</lastmod>
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    <lastmod>2017-12-19</lastmod>
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    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/03/30/harp-20</loc>
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    <lastmod>2017-12-19</lastmod>
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    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/03/23/rural-developments-refinance-pilot-program</loc>
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    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/03/16/why-we-underwrite-loans</loc>
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    <lastmod>2017-12-19</lastmod>
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    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/02/17/providing-qualify-service</loc>
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    <lastmod>2017-12-19</lastmod>
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    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/01/20/credit-qualifying-streamline-refinance-transactions</loc>
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    <lastmod>2017-12-18</lastmod>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/3/26/the-borrower-applies-for-a-freddie-mac-conventional-loan-with-a-parent-as-a-non-occupant-co-borrower-due-to-limited-income-the-co-borrower-has-strong-earnings-but-existing-debts-how-does-the</loc>
    <changefreq>monthly</changefreq>
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  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/3/10/the-borrower-applies-for-an-fha-loan-to-purchase-a-mixed-use-property-with-a-storefront-on-the-first-floor-and-a-residential-unit-above-that-the-borrower-will-occupy-how-does-the-underwriter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/3/10/the-borrower-has-limited-traditional-credit-and-no-active-credit-accounts-but-has-consistently-paid-rent-utilities-and-a-cellphone-bill-for-several-years-how-does-the-underwriter-determine</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/3/10/the-borrower-applies-for-a-usda-loan-but-the-housing-and-total-debt-to-income-ratios-exceed-standard-usda-limits-how-does-the-underwriter-determine-whether-the-loan-can-still-be-approved</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/3/10/the-borrower-earns-primarily-commission-income-that-fluctuates-monthly-although-the-past-two-years-overall-earnings-appear-stable-how-does-the-underwriter-evaluate-this-fha-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/3/10/the-borrower-applies-for-a-fannie-mae-loan-but-the-proposed-housing-payment-is-much-higher-than-prior-rent-raising-concerns-about-payment-shock-how-does-the-underwriter-evaluate-the</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/2/25/the-borrower-applies-for-a-usda-rural-development-loan-but-multiple-adults-live-in-the-household-including-a-non-borrowing-relative-with-income-how-does-the-underwriter-analyze-household</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/2/25/the-borrower-applies-for-a-freddie-mac-conventional-loan-while-transitioning-between-jobs-with-a-short-gap-in-employment-before-starting-a-new-position-how-does-the-underwriter-evaluate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/2/25/the-borrower-applies-for-an-fha-purchase-loan-but-has-a-limited-traditional-credit-history-with-few-or-no-active-trade-lines-how-does-the-underwriter-determine-creditworthiness</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/2/25/the-borrower-applies-for-an-fha-purchase-loan-but-the-appraisal-identifies-peeling-paint-and-a-non-functioning-heater-that-must-be-repaired-to-meet-fha-property-standards-how-does-the</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/2/25/the-borrower-applies-for-an-fha-purchase-loan-but-the-appraisal-notes-a-nearby-underground-fuel-tank-and-strong-chemical-odors-raising-concern-about-a-potential-environmental-hazard</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/2/10/the-borrower-applies-for-a-usda-rural-development-loan-but-plans-to-keep-her-current-apartment-for-several-months-after-closing-how-does-the-underwriter-verify-occupancy-compliance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/2/10/the-borrower-applies-for-an-fha-purchase-loan-and-pays-monthly-childcare-costs-so-she-can-maintain-full-time-employment-how-does-the-underwriter-treat-these-expenses</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/2/10/the-borrower-applies-for-a-freddie-mac-conventional-loan-on-a-condominium-unit-but-the-project-has-a-high-percentage-of-rentals-and-ongoing-litigation-how-does-the-underwriter-evaluate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/2/10/the-borrower-applies-for-an-fha-purchase-loan-and-earns-a-base-hourly-wage-plus-cash-and-charged-tips-as-a-restaurant-server-how-does-the-underwriter-evaluate-the-tip-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/2/10/the-borrower-applies-for-an-fha-purchase-loan-but-carries-a-large-student-loan-balance-with-some-loans-deferred-and-others-showing-low-monthly-payments-how-does-the-underwriter-address-this</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/1/27/the-borrower-applies-for-an-fha-loan-on-a-unique-converted-barn-style-home-with-a-metal-exterior-and-mixed-use-outbuildings-and-with-limited-comparable-sales-how-does-the-underwriter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/1/27/the-borrower-applies-for-a-usda-loan-and-works-seasonal-construction-earning-most-income-from-apriloctober-with-reduced-winter-hours-the-current-ytd-looks-strong-but-last-year-had-gaps</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/1/27/the-borrower-applies-for-a-freddie-mac-loan-to-buy-a-single-family-home-that-also-has-a-detached-guest-house-adu-and-a-separate-workshop-the-appraiser-notes-multiple-structures</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/1/27/the-borrower-applies-for-an-fha-loan-and-receives-2400-per-month-in-non-taxable-social-security-and-a-600-non-taxable-va-disability-benefit-how-is-this-evaluated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/1/27/the-borrower-applies-for-an-fha-purchase-loan-and-wants-to-finance-energy-efficient-upgrades-insulation-heat-pump-windows-at-closing-but-the-work-will-be-completed-after-funding</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/1/13/the-borrower-applies-for-an-fha-loan-after-consolidating-18000-in-credit-card-debt-into-a-new-personal-loan-the-cards-show-0-balances-but-the-new-loan-payment-appears-on-credit-how-does-the</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/1/13/the-borrower-applies-for-a-usda-loan-but-the-appraisal-notes-a-nearby-auto-repair-shop-with-fuel-storage-and-a-petroleum-odor-at-the-rear-lot-line-how-does-the-underwriter-address-the-potential</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/1/13/the-borrower-applies-for-a-freddie-mac-loan-on-a-2018-multi-width-manufactured-home-on-owned-land-but-the-file-lacks-proof-the-title-was-eliminated-how-does-the-underwriter-satisfy-this-condition</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/1/13/the-borrower-for-an-fha-loan-is-paid-through-a-temp-agency-with-14-months-of-full-time-assignments-but-her-current-contract-ends-in-30-days-can-the-income-be-used-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/1/13/the-borrower-applies-for-an-fha-loan-on-a-rural-home-accessed-by-a-shared-private-gravel-road-the-appraiser-notes-theres-no-hoa-and-no-clear-road-maintenance-agreement-how-does-the-underwriter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/12/31/the-borrower-applies-for-an-fha-loan-to-purchase-a-home-with-a-unique-architectural-design-including-custom-materials-and-nontraditional-layout-how-does-the-underwriter-evaluate-this-property</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-31</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/12/31/the-borrower-applies-for-a-freddie-mac-loan-to-purchase-a-three-unit-property-and-plans-to-occupy-one-unit-while-renting-the-others-how-does-the-underwriter-evaluate-this-multi-unit-scenario</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-31</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/12/31/the-borrower-applies-for-an-fha-loan-and-receives-a-bonus-each-year-during-a-peak-work-season-but-the-amounts-vary-how-does-the-underwriter-evaluate-this-seasonal-bonus-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-31</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/12/31/the-borrower-applies-for-an-fha-loan-after-a-foreclosure-that-occurred-three-years-ago-and-has-since-reestablished-credit-how-does-the-underwriter-evaluate-this-history</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-31</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/12/31/the-borrower-applies-for-a-usda-loan-and-submits-paystubs-and-bank-statements-that-conflict-with-the-income-figures-reported-on-the-loan-application-how-does-the-underwriter-address-these</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-31</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/12/16/the-borrower-applies-for-a-fannie-mae-loan-to-purchase-a-lakeside-cabin-for-seasonal-personal-use-while-retaining-his-primary-residence-however-the-file-lacks-clear-evidence-that-the-cabin</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/12/16/the-borrower-applies-for-a-freddie-mac-arm-to-purchase-a-primary-residence-although-the-start-rate-is-low-the-qualifying-payment-may-increase-once-the-initial-fixed-period-ends-how-does-the</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/12/16/the-borrower-applies-for-an-fha-loan-to-purchase-a-home-located-near-an-old-industrial-site-the-appraiser-notes-possible-soil-contamination-and-recommends-further-evaluation-how-does</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/12/16/the-borrower-applies-for-an-fha-loan-shortly-after-a-new-car-loan-which-added-a-significant-monthly-payment-to-his-credit-profile-his-dti-is-now-close-to-fhas-limits-how-does-the-underwriter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/12/16/the-borrower-applies-for-an-fha-loan-and-reports-gig-economy-earnings-from-rideshare-and-delivery-work-his-income-fluctuates-monthly-and-he-has-only-one-full-year-of-tax-filings</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-17</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/12/3/the-borrower-applies-for-a-usda-guaranteed-loan-and-has-multiple-credit-accounts-marked-in-dispute-including-a-high-balance-revolving-account-these-disputes-affect-the-credit-score</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-03</lastmod>
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  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-03</lastmod>
  </url>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/12/3/the-borrower-has-w-2-income-but-also-shows-large-unreimbursed-business-expenses-from-side-consulting-work-which-lower-her-taxable-income-how-does-the-underwriter-treat-these</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/12/3/the-borrower-carries-multiple-credit-cards-with-high-revolving-balances-resulting-in-elevated-monthly-minimum-payments-his-credit-is-acceptable-but-the-total-revolving-debt-substantially</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-03</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/12/3/the-borrower-applies-for-an-fha-loan-to-buy-a-home-with-a-permitted-accessory-dwelling-unit-adu-and-wants-to-use-projected-adu-rent-to-qualify-how-does-the-underwriter-evaluate-this-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/11/19/the-borrower-applies-for-an-fha-loan-to-purchase-a-home-from-her-parents-who-plan-to-provide-gifted-equity-instead-of-cash-for-the-down-payment-the-sales-price-will-be-reduced-accordingly</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/11/19/the-borrower-applies-for-a-freddie-mac-loan-to-purchase-a-home-located-on-a-privately-owned-road-shared-by-several-neighbors-the-appraiser-notes-the-road-is-drivable-but-states</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/11/19/the-borrower-applies-for-an-fha-loan-and-plans-to-use-savings-accumulated-through-informal-methods-including-cash-tips-and-funds-stored-at-home-the-borrower-recently-deposited-these-amounts-into</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/11/19/the-borrower-applies-for-a-va-loan-that-includes-a-2-1-temporary-buydown-funded-by-the-seller-the-initial-payments-will-be-lower-but-the-note-rate-will-apply-in-year-three-how-does-the</loc>
    <changefreq>monthly</changefreq>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/11/19/the-borrower-applies-for-an-fha-loan-and-works-two-part-time-jobs-with-different-employers-one-job-has-been-held-for-14-months-and-the-other-for-just-over-6-months-both-incomes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/11/4/the-borrower-applies-for-an-fha-loan-to-purchase-a-single-family-home-located-on-a-parcel-encumbered-by-an-environmental-conservation-easement-that-restricts-land-use-and-future-development</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-05</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/11/4/the-subject-property-is-located-in-an-agricultural-residential-zoning-district-that-allows-limited-farming-and-livestock-how-does-the-underwriter-address-this-for-va-loans</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-11-05</lastmod>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/11/4/the-borrower-applies-for-a-fannie-mae-loan-and-earns-income-as-a-ski-resort-employee-working-full-time-only-during-the-winter-season-can-this-income-be-used-to-qualify</loc>
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  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/11/4/the-borrower-applies-for-an-fha-loan-two-years-after-receiving-a-chapter-7-bankruptcy-discharge-how-does-the-underwriter-evaluate-this-situation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/11/4/the-subject-property-is-listed-on-the-local-historic-register-the-appraiser-notes-that-exterior-alterations-are-restricted-by-preservation-rules-how-does-the-underwriter-evaluate-this</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/10/21/the-borrower-applies-for-an-fha-loan-to-purchase-a-single-family-home-that-the-appraiser-notes-has-an-unpermitted-garage-conversion-creating-a-zoning-violation-how-does-the-underwriter-proceed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/10/21/the-borrower-applies-for-a-freddie-mac-loan-to-purchase-a-property-located-on-a-remote-rural-road-with-limited-comparable-sales-and-minimal-public-utilities-how-does-the-underwriter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/10/21/the-borrower-applies-to-refinance-a-home-recently-inherited-from-a-parent-the-title-was-transferred-through-probate-but-the-borrower-has-occupied-the-property-for-only-three-months-how-does</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/10/21/the-borrower-applies-for-a-usda-loan-to-buy-a-home-needing-minor-roof-and-gutter-repairs-which-the-seller-will-complete-after-closing-through-a-repair-escrow-how-does-the-underwriter-handle-this</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/10/21/the-borrower-receives-monthly-alimony-of-1500-under-a-court-ordered-agreement-that-began-10-months-ago-and-continues-for-another-24-months-how-does-the-underwriter-treat-this-income-for</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/10/7/the-borrower-has-high-debt-to-income-dti-ratio-but-has-a-strong-credit-profile-and-substantial-cash-reserves-what-role-do-compensating-factors-play-in-underwriting-freddie-mac-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/10/7/the-borrower-applies-for-a-loan-to-purchase-a-newly-constructed-home-how-do-underwriters-verify-construction-plans-for-usda-loans-on-new-builds</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/10/7/the-borrowers-proposed-mortgage-payment-will-account-for-more-than-33-of-her-gross-monthly-income-leading-to-concerns-about-high-housing-expenses-how-do-underwriters-evaluate-this-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/10/7/the-property-has-two-stories-where-the-upper-level-is-a-residence-and-the-lower-level-is-leased-to-a-small-retail-shop-how-does-the-underwriter-evaluate-this-mixed-use-feature-for-fha-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/10/7/the-borrower-is-to-purchase-a-home-where-the-county-allows-senior-citizens-to-defer-property-taxes-since-the-seller-has-used-this-program-how-does-the-underwriter-handle-this-fha-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/9/23/the-borrower-applies-for-a-va-loan-shortly-after-a-divorce-now-paying-spousal-support-and-no-longer-receiving-dual-income-what-steps-do-mortgage-professionals-take-to-support-this-borrower</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/9/23/the-borrower-applies-for-a-freddie-mac-loan-with-two-siblings-as-co-borrowers-each-co-borrower-has-separate-income-and-debt-obligations-how-do-underwriters-evaluate-this-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/9/23/the-borrower-applies-for-an-fha-loan-to-purchase-a-manufactured-home-affixed-to-a-permanent-foundation-what-role-do-appraisals-play-in-loans-for-manufactured-homes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/9/23/the-borrower-applies-for-an-fha-loan-but-has-inconsistent-tax-filings-in-one-year-the-borrower-reported-higher-self-employment-income-while-the-next-year-showed-significant-losses</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/9/23/the-borrower-applies-for-an-fha-loan-and-recently-took-out-a-new-auto-loan-with-a-high-monthly-payment-how-do-underwriters-assess-this-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/9/10/the-borrower-reports-self-employed-income-from-two-separate-businesses-how-do-underwriters-evaluate-this-loan-under-fha-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/9/10/during-the-appraisal-the-property-is-noted-to-have-major-deferred-maintenance-including-a-failing-hvac-system-and-exterior-wood-rot-how-do-underwriters-handle-this-scenario</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/9/10/the-subject-property-has-a-converted-garage-that-appears-to-have-been-finished-without-permits-how-do-underwriters-handle-fha-loans-for-properties-with-unpermitted-work</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-10</lastmod>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/9/10/the-borrower-wants-to-use-rental-income-from-a-vacation-property-they-own-to-help-qualify-how-is-this-loan-evaluated-for-fha</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-09-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/9/10/the-borrower-applies-for-a-usda-loan-but-has-a-thin-credit-file-with-limited-traditional-credit-history-how-do-underwriters-assess-this-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/8/26/the-borrower-applies-for-a-loan-to-refinance-an-inherited-property-recently-transferred-via-probate-title-is-now-in-the-borrowers-name-how-do-underwriters-evaluate-eligibility-and-ownership</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-26</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/8/26/the-borrower-applies-for-an-fha-loan-and-pays-recurring-tuition-and-fees-for-their-dependents-secondary-education-how-do-underwriters-assess-these-education-related-expenses-when-determining</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/8/26/the-borrower-applies-for-an-fha-loan-while-relocating-for-a-new-job-and-receives-employer-paid-relocation-benefits-how-do-underwriters-evaluate-eligibility-and-qualifying-income-in-this-scenario</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/8/26/the-borrower-applies-for-a-va-loan-with-an-adjustable-rate-mortgage-arm-how-do-underwriters-evaluate-the-qualifying-payment-since-the-initial-interest-rate-may-adjust</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-26</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/8/26/the-borrower-applies-for-an-fha-loan-and-is-obligated-to-make-monthly-alimony-payments-as-part-of-a-divorce-decree-how-do-underwriters-handle-the-alimony-obligation-when-calculating</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/8/12/the-borrower-earns-variable-commission-income-as-a-sales-representative-with-monthly-earnings-fluctuating-based-on-performance-how-is-this-income-assessed-under-fha-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-13</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/8/12/the-borrower-previously-filed-for-chapter-7-bankruptcy-which-was-discharged-less-than-three-years-ago-how-do-underwriters-assess-eligibility-for-usda-financing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-13</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/8/12/the-borrower-applies-for-an-fha-loan-and-has-60000-in-student-loans-currently-in-deferment-with-no-scheduled-monthly-payment-how-is-this-loan-assessed-for-qualification</loc>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/8/12/the-borrower-applies-for-a-freddie-mac-loan-using-a-56-adjustable-rate-mortgage-arm-to-purchase-a-primary-residence-how-is-this-loan-evaluated</loc>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/8/12/the-borrower-applies-for-an-fha-loan-on-a-rural-property-that-uses-a-private-well-and-septic-system-instead-of-public-utilities-how-is-this-loan-evaluated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-13</lastmod>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/29/the-borrower-receives-a-15000-gift-from-a-relative-to-cover-the-down-payment-and-closing-costs-how-is-this-large-gift-evaluated-and-documented-under-fha-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-30</lastmod>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/6/17/the-borrower-applies-for-an-fha-loan-and-lists-monthly-retirement-income-from-a-pension-and-social-security-how-should-this-income-be-assessed-for-qualification</loc>
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    <priority>0.5</priority>
    <lastmod>2025-06-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/6/17/the-borrower-applies-for-a-conventional-interest-only-loan-on-a-high-value-property-to-minimize-monthly-payments-what-can-be-considered-in-underwriting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/6/17/the-borrower-applies-for-an-fha-loan-and-has-stable-income-but-reports-high-recurring-medical-expenses-how-should-these-be-evaluated-in-the-underwriting-process</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/6/3/the-borrower-applies-for-an-fha-loan-and-lists-monthly-child-support-payments-as-part-of-qualifying-income-how-is-child-support-income-evaluated-to-meet-fha-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/6/3/the-borrower-applies-for-a-fannie-mae-loan-and-provides-bank-statements-showing-irregular-savings-patterns-including-large-infrequent-deposits-and-inconsistent-balances-how-is-this-evaluated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/6/3/the-borrower-applies-for-an-fha-loan-on-a-rural-property-that-uses-a-shared-well-with-three-neighboring-homes-how-is-the-shared-well-evaluated-to-meet-fha-requirements-and-what-documentation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/6/3/the-borrower-has-an-overtime-income-earned-from-weekend-and-evening-shifts-at-a-logistics-company-how-is-this-evaluated-per-va-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/6/3/the-borrower-applies-for-an-fha-loan-and-reports-dual-employment-working-full-time-at-a-hospital-and-part-time-at-a-retail-store-for-additional-income-how-is-dual-employment-income-evaluated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/5/20/the-borrower-applies-for-an-fha-loan-on-a-primary-residence-and-reports-1200-in-medical-collections-from-recent-hospital-visits-how-are-these-medical-collections-evaluated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/5/20/the-borrower-applies-for-a-loan-on-a-single-family-home-located-in-an-area-zoned-agricultural-residential-where-nearby-properties-include-farms-and-commercial-barns-how-is-unique-zoning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/5/20/the-borrower-applies-for-a-loan-using-full-entitlement-after-completing-active-duty-two-years-ago-what-are-the-basic-underwriting-requirements-for-va-loan-approval</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/5/20/the-borrower-applies-for-a-loan-with-a-shared-driveway-used-jointly-with-a-neighboring-property-how-is-this-evaluated-to-meet-fha-property-standards-and-what-documentation-is-required</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/5/20/the-borrower-applies-for-a-loan-and-plans-to-use-monthly-withdrawals-from-a-401k-and-ira-as-qualifying-income-how-are-these-retirement-account-withdrawals-evaluated-under-fannie-mae-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/5/6/the-borrower-applies-for-a-loan-but-has-no-credit-score-and-only-utility-and-rent-payments-what-documentation-and-processes-evaluate-such-an-application-under-standard-underwriting-procedures</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/5/6/the-borrower-applies-for-an-fha-loan-with-their-spouse-and-a-nonoccupant-cosigner-sharing-income-and-liabilities-what-steps-verify-credit-income-occupancy-and-calculate-combined-dti</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/5/6/the-borrower-applies-for-an-fha-loan-on-a-single-family-property-located-in-a-rural-area-with-limited-comparable-sales-and-well-based-water-supply-what-should-be-evaluated-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/5/6/the-borrower-applies-for-a-loan-three-years-after-a-foreclosure-on-a-primary-residence-how-can-the-borrower-qualify-for-an-fha-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/5/6/the-borrower-applies-for-a-fannie-mae-loan-while-relying-on-retirement-income-from-a-defined-benefit-pension-ira-distributions-and-social-security-benefits-how-can-the-borrower-qualify-under</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/4/22/the-borrower-applies-for-a-fannie-mae-loan-with-limited-work-history-having-started-a-new-career-only-eight-months-ago-after-graduation-how-do-underwriters-assess-this-situation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/4/22/the-borrower-applies-for-a-loan-with-a-high-debt-to-income-ratio-where-nearly-50-of-monthly-income-goes-toward-debt-payments-what-steps-are-taken-to-ensure-the-borrowers-ability-to-meet</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/4/22/the-borrower-applies-for-an-fha-loan-and-reports-rental-income-from-two-duplex-units-what-documents-and-procedures-are-used-to-verify-rental-income-ensuring-that-the-reported-income-is-stable-and</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/4/22/the-borrower-holding-significant-assets-applies-for-an-fha-loan-what-documentation-is-required-and-how-is-the-asset-base-evaluated-to-verify-financial-strength</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/4/22/the-borrower-applies-for-an-fha-loan-in-california-a-community-property-state-what-documentation-is-required-to-verify-both-spouses-income-assets-and-liabilities-and-how-must-consent</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/4/8/the-underwriter-reviews-an-appraisal-noting-a-garage-conversion-without-permits-the-space-is-well-finished-and-common-for-the-area-with-strong-borrower-qualifications-how-should-the</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/4/8/the-borrower-recently-left-a-job-and-has-a-signed-offer-for-a-new-higher-paying-role-starting-in-two-weeks-with-steady-employment-history-and-no-gaps-over-a-month-how-should-this-job</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/4/8/the-borrower-has-a-va-eligibility-to-apply-for-a-va-construction-to-permanent-loan-however-the-approved-builder-has-8-month-timeline-what-steps-are-needed-to-meet-va-guidelines-from</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/4/8/the-borrower-has-45000-in-student-loans-with-a-0-payment-under-an-income-driven-plan-with-stable-income-and-low-debts-how-should-the-student-loan-payment-be-calculated-for-fha-qualification</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/4/8/the-borrower-is-purchasing-an-earth-sheltered-home-the-property-is-well-maintained-and-meets-code-but-the-appraiser-used-traditional-homes-as-comps-due-to-limited-similar-sales-with-a-strong</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/3/25/the-subject-property-is-impacted-by-a-federally-declared-disaster-and-the-original-appraisal-confirmed-its-condition-before-the-disaster-what-steps-must-the-underwriter-take-to-comply-with</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/3/25/the-borrower-who-earns-a-base-salary-plus-commission-applies-for-a-freddie-mac-loan-if-there-is-a-decline-in-commission-in-the-most-recent-year-how-should-the-underwriter-verify-and-calculate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/3/25/the-borrower-reports-85k-income-for-2023-and-60k-for-2024-but-with-12k-one-time-equipment-deduction-march-2024-ytd-profit-and-loss-shows-15k-net-income-how-should-income-be-calculated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/3/25/the-underwriter-reviewing-an-fha-loan-with-a-35-downpayment-finds-a-10000-deposit-exceeding-the-borrowers-payroll-how-should-this-large-deposit-be-verified-for-loan-eligibility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/3/25/the-underwriter-reviewing-an-fha-loan-for-a-1975-home-finds-peeling-paint-in-the-appraisal-how-should-this-be-addressed-for-loan-eligibility-under-fhas-lead-based-paint-rules-for-pre-1978-homes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/3/11/the-borrower-and-spouse-work-overseas-on-a-two-year-contract-how-can-an-fha-loan-be-approved-and-what-documents-are-needed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/3/11/the-borrower-for-an-fha-loan-believed-his-student-loan-was-fully-paid-yet-his-credit-report-still-lists-the-debt-how-can-this-discrepancy-be-resolved</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/3/11/although-the-borrower-has-substantial-savings-they-fall-short-of-covering-the-full-property-cost-if-the-borrower-relies-solely-on-seasonal-employment-can-a-conventional-loan-still-be-approved</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-11</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/3/11/if-the-borrower-is-acquiring-agricultural-land-with-plans-to-eventually-build-both-a-primary-residence-and-a-rental-property-is-this-eligible-for-a-usda-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-11</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/3/11/if-the-borrower-is-buying-a-property-from-a-relative-what-documentation-is-required-for-fha-loan-underwriting</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-03-11</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/2/18/what-is-an-adu-and-how-is-it-different-from-a-second-unit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-18</lastmod>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-18</lastmod>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/2/18/on-an-investment-purchase-the-borrowers-tax-returns-show-that-they-have-six-rental-properties-plus-another-four-that-are-co-owned-in-an-llc-does-that-exceed-fannie-mae-guidelines-for-maximum</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-18</lastmod>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/2/18/on-a-cash-out-refinance-the-closing-agent-was-instructed-to-pay-off-an-installment-loan-through-closing-but-it-was-not-reflected-as-being-paid-off-on-the-final-closing-disclosure-how-can-that</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/2/18/our-borrower-just-accepted-a-position-as-the-cfo-of-a-friends-new-start-up-company-they-are-paid-on-salary-but-how-would-we-know-if-that-new-business-will-succeed-and-the-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-18</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/2/4/the-borrower-is-requesting-a-cash-out-refinance-to-buy-out-their-ex-spouses-equity-in-the-property-however-they-bought-the-home-just-four-months-ago-and-both-are-on-title-can-this-be-done</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-04</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/2/4/a-married-couple-is-purchasing-a-new-primary-residence-using-conventional-financing-one-spouse-will-stay-in-the-current-home-and-at-their-current-job-until-its-sold-while-the-other-moves-to-the</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2025-02-04</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/2/4/the-borrower-is-using-note-income-to-qualify-a-copy-of-the-original-document-shows-its-all-inclusive-can-that-income-be-used</loc>
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    <lastmod>2025-02-04</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/2/4/two-unrelated-parties-are-buying-a-second-home-with-conventional-financing-and-they-intend-to-take-title-as-tenants-in-common-is-there-any-special-documentation-required-for-that</loc>
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    <lastmod>2025-02-04</lastmod>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/2/4/the-borrower-is-selling-their-existing-home-subject-to-the-buyers-assumption-of-the-existing-mortgage-should-the-payment-be-included-in-the-ratio</loc>
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    <lastmod>2025-02-04</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/1/21/what-requirements-must-be-met-for-a-cash-out-refinance-on-a-fannie-mae-loan</loc>
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    <lastmod>2025-01-21</lastmod>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/1/21/can-a-borrower-use-va-benefit-income-to-qualify-for-an-agency-loan-if-so-what-is-required-to-document-this-income</loc>
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  <url>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/8/20/on-a-va-loan-we-grossed-up-non-taxable-income-to-qualify-the-borrower-but-the-underwriter-is-saying-that-the-residual-income-was-miscalculated-and-is-too-low-how-can-that-be</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/8/20/the-borrower-had-a-foreclosure-4-years-ago-but-states-that-it-was-due-to-a-divorce-and-loss-of-the-spouses-income-on-an-fha-loan-can-that-be-considered-an-extenuating-circumstance-for-a-manual</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/8/6/the-borrower-is-using-money-from-a-bank-in-mexico-to-close-this-conventional-purchase-are-these-funds-acceptable</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/8/6/on-an-fha-purchase-the-borrower-sold-their-second-vehicle-to-their-parents-can-assets-derived-from-a-non-arms-length-sale-be-used</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/8/6/the-borrowers-leave-and-earnings-statement-or-l-e-s-has-a-separation-date-that-is-less-than-a-year-can-their-income-be-used-to-qualifythe-borrowers-leave-and-earnings-statement-or-l-e-s</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/8/6/on-a-rural-development-loan-the-borrowers-have-a-17-year-old-child-that-works-part-time-for-gas-money-do-we-have-to-count-that-income-in-qualifying</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/8/6/the-borrower-on-the-hecm-mortgage-application-has-a-court-appointed-guardian-and-only-owns-a-life-estate-in-the-property-can-this-loan-be-done</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/7/23/we-are-doing-a-conventional-loan-and-the-property-has-owned-solar-panels-there-is-a-ucc-filing-statement-on-title-for-an-open-loan-from-when-they-purchased-them-does-that-have-to-be-paid-off</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/7/23/the-borrower-is-heir-to-a-prominent-family-trust-and-receives-a-monthly-stipend-they-have-only-received-it-for-14-months-the-trustee-is-refusing-to-provide-bank-statements-is-there-another-way</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/7/23/the-written-voe-indicates-that-the-borrower-is-retiring-at-the-end-of-the-year-when-asked-about-it-the-borrower-stated-that-they-will-be-getting-a-pension-and-intends-to-also-draw-from</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/7/23/the-borrower-works-on-the-family-ranch-and-has-received-a-monthly-salary-for-over-two-years-the-parents-have-never-issued-a-w-2-or-1099-for-it-although-they-did-keep-records-of-the-payments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/7/23/can-the-mortgage-payment-on-the-borrowers-current-home-be-excluded-if-they-are-being-transferred-out-of-state-with-their-current-employer-the-house-is-listed-for-sale-but-will-not-close-before</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/7/9/when-running-excluded-parties-in-sam-the-real-estate-agents-name-showed-as-excluded-from-participation-how-can-that-be-resolved</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/7/9/a-married-couple-both-signed-the-initial-application-and-all-disclosures-but-one-spouse-was-subsequently-removed-from-the-loan-how-does-that-affect-processing-and-underwriting-the-loan-file</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/7/9/the-closed-va-loan-was-rejected-during-automated-submission-for-the-guaranty-certificate-with-a-warning-that-the-veterans-name-was-wrong-the-veterans-name-matches-the-certificate-of-eligibility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/7/9/a-self-employed-schedule-c-borrower-wants-to-exclude-a-large-car-payment-because-the-business-pays-for-it-however-the-bank-statements-indicate-that-both-personal-and-business-expenses-are-paid</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/7/9/an-irs-tax-lien-was-discovered-during-processing-an-fha-loan-the-borrower-has-been-making-occasional-payments-to-the-irs-over-the-course-of-the-last-year-but-the-payments-were-not-regular</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/6/25/three-families-are-purchasing-a-three-bedroom-one-bath-house-together-there-will-be-five-adults-and-four-children-and-all-will-live-in-the-property-is-that-an-issue</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/6/25/the-property-is-in-a-small-condo-project-of-only-4-units-it-does-not-have-a-homeowners-association-or-collect-hoa-dues-how-would-typical-hoa-expenses-be-considered</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/6/25/on-a-conventional-loan-for-the-refinance-of-a-rental-home-the-borrowers-tax-return-shows-a-large-expense-for-storm-repairs-is-there-any-way-to-exclude-that-expense-when-calculating-the</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/6/25/the-parents-have-been-making-a-large-car-payment-on-the-borrowers-behalf-for-the-last-twelve-months-even-though-they-are-not-on-the-loan-they-intend-to-continue-this-so-that-the-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/6/25/the-borrower-is-using-non-traditional-credit-for-a-manually-underwritten-fha-loan-they-provided-copies-of-paystubs-to-show-routine-401k-and-medical-insurance-deductions-to-be-used</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/6/11/the-borrower-holds-a-life-estate-in-the-property-where-they-currently-live-do-costs-associated-with-that-property-need-to-be-considered-in-qualifying-debt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/6/11/the-purchase-contract-indicates-that-a-5000-carpet-allowance-is-to-be-given-to-the-borrower-at-closing-is-that-ever-allowed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/6/11/when-closing-an-fha-purchase-can-the-borrower-get-full-credit-for-all-large-prorations-even-if-it-means-getting-cash-back</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/6/11/the-property-is-a-new-construction-and-the-appraisal-shows-the-address-has-a-lot-number-and-street-name-is-that-acceptable-to-draw-closing-documents</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/6/11/the-borrower-is-using-a-rural-development-loan-to-buy-a-fifty-acre-flower-farm-they-say-they-will-not-farm-the-land-after-they-buy-it-will-a-letter-of-explanation-be-sufficient-to-approve-this-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/5/28/the-title-shows-that-the-subject-property-along-with-other-properties-is-encumbered-by-a-large-business-loan-the-borrower-states-that-they-are-getting-a-partial-reconveyance-from</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/5/28/an-appraisal-photo-shows-a-very-large-water-tower-across-the-street-from-the-subject-property-but-was-not-mentioned-in-the-comp-grid-or-comments-wouldnt-there-be-some-effect-on</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/5/28/the-first-page-of-the-appraisal-indicates-that-the-lot-is-50-x-100-feet-however-the-tax-assessor-map-shows-that-it-is-an-uneven-lot-that-is-much-larger-how-should-this-be-reconciled</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/5/28/the-hoa-certificate-indicates-that-the-condominium-project-has-a-pending-litigation-for-repairs-from-the-past-storm-damage-it-states-that-any-expense-will-be-covered-by-the-hoas-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/5/28/the-credit-report-shows-a-substantial-amount-of-derogatory-credit-over-12-months-ago-that-was-explained-as-a-result-of-identity-theft-how-long-before-the-borrower-is</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/5/14/the-borrower-has-a-related-prior-employment-history-and-is-now-self-employed-he-provided-last-years-filed-tax-returns-but-the-underwriter-denied-the-loan-saying-that-they-hadnt-been</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/5/14/the-borrower-wants-to-buy-a-new-home-using-the-shared-equity-program-what-things-should-be-considered-when-underwriting-this-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/5/14/the-borrower-is-doing-a-no-cash-out-refinance-on-a-texas-property-they-are-only-getting-100-cash-out-at-closing-but-the-underwriter-has-denied-the-loan-why-is-that-too-much</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/5/14/the-borrower-currently-lives-in-vermont-and-is-moving-to-alabama-they-have-a-reverse-mortgage-on-their-current-home-and-wish-to-do-a-second-one-on-the-new-home-is-that-allowed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/5/14/the-loan-was-approved-and-locked-but-the-borrower-decided-to-go-with-a-different-loan-program-and-the-interest-rate-went-up-why-would-that-happen</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/4/30/on-the-urla-1003-it-appears-as-though-the-borrower-is-getting-social-security-benefits-but-is-not-in-the-right-age-to-be-getting-them-organically-how-will-the-processor-be-able-to-validate-why</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/4/30/is-it-a-requirement-that-each-borrower-has-a-verbal-verification-of-employment-vvoe-obtained-from-their-employer-prior-to-closing-or-will-a-recent-paystub-suffice-as-long-as-it-is</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/4/30/the-borrower-wants-to-use-his-retirement-account-for-down-payment-and-closing-costs-however-there-is-a-huge-penalty-for-doing-so-can-he-still-use-this-account-as-source-of-funds</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/4/30/when-calculating-second-job-part-time-and-seasonal-employment-a-minimum-2-year-history-is-required-how-would-you-prove-this-on-a-job-that-you-work-seasonally-what-documents-need-to-be-obtained</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/4/30/when-calculating-bonus-overtime-and-commission-a-minimum-of-two-year-history-is-required-what-documents-must-be-obtained-to-prove-that-minimum-requirements-are-met</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/4/16/the-borrower-was-a-co-owner-of-the-previous-marital-home-but-was-not-on-the-mortgage-the-ex-spouse-lost-the-home-to-foreclosure-two-years-ago-but-it-shows-up-on-the-borrowers-public</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/4/16/the-borrower-is-a-well-known-collegiate-football-coach-but-recent-news-indicates-that-the-college-is-not-renewing-the-contract-how-does-that-affect-the-loan-approval</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/4/16/the-borrower-has-an-offer-letter-for-a-position-with-his-family-owned-business-is-that-acceptable-on-a-conventional-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/4/16/the-appraisal-states-that-the-property-is-a-newly-constructed-3d-printed-home-would-that-be-considered-unique-and-illegible-for-financing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/4/16/what-are-cross-over-losses-on-a-hecm-loan-and-how-does-it-affect-the-borrowers-future-loan-consideration</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/4/2/the-borrower-is-expecting-a-large-cash-settlement-soon-and-is-asking-if-a-ten-year-arm-or-balloon-is-better-for-their-circumstances-what-is-the-difference-in-these-loan-types</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/4/2/on-an-fha-loan-for-new-construction-the-builder-says-the-house-was-built-above-the-flood-zone-and-financing-should-be-allowed-how-would-that-be-documented</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/4/2/if-no-credit-score-is-required-on-a-reverse-mortgage-then-why-are-credit-reports-pulled</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-10</lastmod>
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  <url>
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    <lastmod>2024-04-10</lastmod>
  </url>
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  </url>
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  </url>
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  </url>
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  </url>
  <url>
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  </url>
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    <lastmod>2024-04-10</lastmod>
  </url>
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  </url>
  <url>
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    <lastmod>2024-04-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/3/5/why-cant-the-borrower-provide-the-name-and-contact-information-to-obtain-a-verification-of-employment</loc>
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    <lastmod>2024-04-10</lastmod>
  </url>
  <url>
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    <lastmod>2024-04-10</lastmod>
  </url>
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  </url>
  <url>
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    <lastmod>2024-04-11</lastmod>
  </url>
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  </url>
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    <changefreq>monthly</changefreq>
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  </url>
  <url>
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  </url>
  <url>
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  </url>
  <url>
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  </url>
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  <url>
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    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
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  </url>
  <url>
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    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
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  </url>
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  </url>
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    <lastmod>2023-12-26</lastmod>
  </url>
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    <lastmod>2023-12-26</lastmod>
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  </url>
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    <lastmod>2023-12-12</lastmod>
  </url>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/11/28/what-is-the-difference-between-a-manufactured-and-modular-home</loc>
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    <lastmod>2023-11-28</lastmod>
  </url>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/11/28/what-circumstances-would-be-acceptable-to-close-a-loan-before-the-standard-waiting-period-for-derogatory-credit</loc>
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  </url>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/11/28/can-we-close-a-loan-that-has-thirty-days-left-in-a-foreclosure-redemption-period</loc>
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    <lastmod>2023-11-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/11/14/can-the-depreciation-amount-included-in-the-irs-standard-business-mileage-deduction-be-added-back-to-increase-qualifying-income</loc>
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    <lastmod>2023-11-14</lastmod>
  </url>
  <url>
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    <lastmod>2023-11-14</lastmod>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/11/14/a-review-of-the-borrowers-tax-returns-show-they-receive-income-not-to-farm-their-land-is-that-acceptable-income</loc>
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    <lastmod>2023-11-14</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/10/31/the-borrower-is-a-union-construction-worker-with-over-a-dozen-jobs-in-the-last-2-years-can-that-be-considered-stable-income</loc>
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    <lastmod>2023-10-31</lastmod>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/10/31/how-are-the-tax-savings-of-a-mortgage-credit-certificate-calculated-and-applied</loc>
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    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/10/31/the-borrower-wants-to-cash-in-credit-card-reward-points-to-use-as-part-of-the-down-payment-is-that-allowed</loc>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/10/31/the-borrower-intends-to-sell-an-antique-as-part-of-the-down-payment-what-documents-should-be-obtained</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-31</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/10/17/on-a-va-new-construction-loan-should-a-one-year-warranty-be-obtained-or-can-3-stage-inspections-satisfy-vas-new-construction-requirements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/10/17/on-a-va-loan-what-document-would-reference-if-the-borrower-is-a-first-time-user-of-entitlement-or-a-subsequent-user-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/10/17/if-a-borrower-has-over-2000-in-collections-is-proof-of-payoff-of-these-required-or-can-a-percentage-of-the-unpaid-balance-be-used-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/10/17/an-fha-case-query-was-run-when-processing-an-fha-loan-showing-a-previous-case-number-assigned-to-the-borrower-what-action-should-be-taken</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/10/17/as-a-mortgage-processor-redisclosure-is-often-required-for-line-item-changes-on-the-closing-disclosure-and-loan-estimate-is-the-amount-of-tolerance-allowed-the-same-for-each-fee</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/10/5/as-a-processor-it-is-a-bit-confusing-as-to-when-a-profit-and-loss-is-needed-on-a-self-employed-loan-additionally-when-is-an-audited-pampl-required</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/10/5/when-underwriting-an-fha-self-employed-loan-it-is-apparent-that-the-income-is-not-consistent-from-year-to-year-production-and-income-has-decreased-30-from-last-year-can-an-average</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/10/5/when-processing-a-loan-for-a-divorced-borrower-who-is-getting-voluntary-alimony-payments-can-this-income-be-considered-in-the-total-calculation-of-effective-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/10/5/when-processing-a-loan-using-expected-va-disability-benefits-does-any-previous-receipt-have-to-be-proven-the-borrower-is-just-about-to-start-receiving-them</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/10/5/when-underwriting-a-loan-for-a-borrower-that-works-for-the-family-it-is-known-that-2-years-tax-return-is-required-what-other-instances-require-tax-returns-to-be-reviewed-for-qualification</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/9/19/the-borrower-has-several-properties-that-he-has-owner-financed-and-is-using-this-receivable-income-to-qualify-how-can-a-processor-correctly-ensure-this-to-be-verified-documented-and-calculated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/9/19/regarding-rental-income-history-the-borrower-has-not-owned-the-rent-home-for-2-years-how-would-proof-of-rental-history-be-validated-if-tax-returns-do-not-reflect-a-2-year-history</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/9/19/the-borrower-needs-to-use-income-from-a-boarder-in-his-dwelling-to-qualify-how-should-the-processor-calculate-the-effective-income-from-this-source-and-can-it-be-used-in-the-effective-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/9/19/the-borrower-has-some-stock-investments-that-he-would-like-to-use-towards-a-down-payment-with-the-fluctuation-of-value-how-would-a-processor-determine-the-worth-of-these-stocks-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/9/19/the-borrower-would-like-to-use-an-fha-non-profit-down-payment-assistance-program-for-his-down-payment-and-to-pay-off-some-debts-to-quality-does-fha-allow-this</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/9/5/who-is-considered-an-acceptable-family-member-as-donor-for-a-gift-on-an-fha-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/9/5/under-what-circumstances-can-a-borrower-have-more-than-one-fha-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/9/5/for-an-fha-loan-what-requirements-would-have-to-be-met-in-order-to-consider-income-from-a-borrowers-current-property-that-they-will-be-vacating-and-renting-out</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/9/5/how-are-outstanding-collection-accounts-handled-on-an-fha-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/9/5/what-is-needed-to-address-variations-of-the-borrowers-address-history-on-the-credit-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/8/22/if-a-current-open-ended-second-mortgage-loan-is-being-subordinated-while-doing-an-fha-refinance-what-amount-is-used-when-calculating-the-cltv</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/8/22/if-an-fha-borrower-has-changed-employers-more-than-three-times-in-the-previous-12-months-what-must-be-done-to-ensure-stability-of-the-employment-and-income-for-this-borrower</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/8/22/you-have-an-fha-borrower-that-has-been-with-his-current-employer-for-approximately-five-months-after-being-out-of-work-for-eight-months-what-must-be-done-to-ensure-stability-of-the-employment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/8/22/you-have-an-fha-loan-in-which-you-have-determined-it-will-need-to-be-manually-underwritten-is-it-still-necessary-to-run-it-through-the-automated-underwriting-system-aus</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/8/22/you-are-reviewing-a-sales-contract-for-an-fha-purchase-and-notice-a-party-on-the-contract-as-a-buyer-however-this-person-is-not-on-the-loan-with-the-borrower-what-action-should-you-take-if-any</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/8/8/for-an-fha-rate-and-term-refinance-the-loan-amount-can-change-depending-on-the-payments-the-borrower-made-during-processing-and-the-final-payoff-received-before-closing-is-the-borrower-allowed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/8/8/a-veteran-borrower-applied-for-a-mortgage-and-the-appraisal-came-back-as-a-multi-unit-property-specifically-a-quadriplex-is-this-an-allowable-property-for-the-borrower-to-use-his-va-benefits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/8/8/a-recently-divorced-borrower-is-wanting-to-remove-his-ex-spouse-from-the-note-and-mortgage-on-the-home-he-also-needs-to-pay-his-ex-spouse-her-portion-of-the-equity-by</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/8/8/when-processing-an-fha-loan-the-payoff-received-back-from-the-lender-is-more-than-the-maximum-mortgage-amount-allowed-due-to-a-short-payoff-and-the-costsfees-associated-with-it-can-this</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/8/8/when-reviewing-the-appraisal-it-was-found-that-the-remaining-economic-life-of-the-property-as-stated-on-the-appraisal-is-less-than-the-term-of-the-loan-what-actions-should</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/7/25/the-borrower-has-a-child-but-is-separated-from-the-co-parent-there-is-no-formal-alimony-or-child-support-agreement-but-he-does-make-voluntary-payments-with-no-recorded-agreement-should</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/7/25/can-a-borrower-borrow-money-against-a-secured-asset-such-as-a-401k-account</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/7/25/the-processor-has-received-the-survey-and-appraisal-of-the-property-in-the-appraisal-there-are-pictures-of-outlying-buildings-such-as-a-shed-or-a-barn-that-are-not-reflected-on-the-survey-what</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/7/25/when-calculating-rental-income-from-the-tax-returns-it-was-found-that-the-borrower-has-a-property-listed-that-he-recently-sold-how-does-it-need-to-be-documented-that-it-is-indeed-sold-and</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/7/25/the-borrowers-current-residence-will-not-be-sold-before-the-transaction-to-buy-a-new-home-goes-through-it-is-scheduled-to-close-the-week-after-the-new-purchase-does-the-current</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/7/11/when-applying-for-a-mortgage-loan-the-borrowers-disclosed-that-they-receive-foster-care-income-for-2-of-the-children-in-their-home-how-should-this-income-be-documented</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/7/11/the-borrower-is-a-waitress-and-the-majority-of-her-income-comes-from-receipt-of-tips-how-should-the-tip-income-be-documented-properly-for-qualifying-purposes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/7/11/can-a-borrower-use-unemployment-benefits-as-a-source-of-income-to-qualify-for-a-mortgage-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/7/11/when-processing-a-loan-the-number-of-months-of-reserves-required-changes-as-information-is-updated-on-the-loan-and-du-is-re-run-what-are-the-factors-that-determine-the-amount-of-minimum</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/7/11/the-borrower-is-purchasing-a-new-home-and-works-for-a-company-that-provides-down-payment-assistance-to-its-employees-do-the-agencies-allow-a-dpa-from-an-employer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/6/27/the-borrower-has-obtained-a-mortgage-loan-with-an-ltv-greater-than-80-thus-requiring-mortgage-insurance-is-it-the-processors-responsibility-to-reach-out-to-the-mi-carrier-to-have</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/6/27/when-the-processor-pulled-the-borrowers-credit-report-it-reflected-a-couple-of-debts-that-have-been-duplicated-how-should-the-duplication-issue-be-resolved-so-that-only-one-credit-line-entry</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/6/27/the-borrower-has-recently-paid-off-an-auto-debt-but-the-most-recent-credit-report-still-does-not-show-the-debt-as-fulfilled-what-are-the-processors-options-as-far-as-documentation-to-gather-that</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/6/27/the-sales-contract-addendum-references-some-repairs-to-be-completed-that-were-not-mentioned-in-the-appraisal-do-these-repairs-need-to-be-done-what-does-the-processor-need-to-obtain</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/6/27/the-borrower-is-moving-states-but-will-still-be-working-for-the-same-company-keeping-the-same-job-role-he-currently-has-what-does-the-processor-need-to-obtain-to-ensure-that-the-borrowers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/6/13/the-borrower-recently-sold-a-vehicle-for-cash-to-close-and-down-payment-the-funds-reflect-a-large-deposit-in-the-borrowers-bank-account-what-documentation-is-needed-to-support-the-large-deposit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-13</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/6/13/if-the-borrower-was-paid-commission-only-last-year-and-is-now-a-w-2-waged-salary-earner-how-would-the-qualifying-income-be-calculated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-13</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/6/13/for-a-self-employed-business-when-should-the-most-recent-year-tax-return-income-be-used-and-when-should-an-average-of-the-last-two-years-be-used-as-qualifying-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-13</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/6/13/when-processing-the-loan-it-is-discovered-that-the-borrower-works-for-a-family-owned-company-that-was-sold-to-a-non-family-owned-corporation-this-last-year-is-it-still-necessary-to-get-the-last</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-13</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/6/13/the-sellers-name-on-the-sales-contract-is-in-the-name-of-an-llc-what-documentation-does-the-processor-need-to-collect-to-ensure-that-the-correct-persons-sign-on-behalf-of-the-llc</loc>
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    <priority>0.5</priority>
    <lastmod>2023-06-13</lastmod>
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  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/30/just-before-closing-the-borrower-disclosed-that-they-purchased-a-new-vehicle-this-car-payment-was-not-initially-used-in-any-of-the-debt-calculations-does-this-have-to-be-included</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/30/during-processing-it-was-noted-that-a-minors-account-was-being-used-for-funds-to-close-is-this-an-acceptable-source-of-funds-for-down-payment-and-closing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/30/the-borrowers-wife-stays-home-with-their-children-but-also-babysits-over-the-summer-and-has-been-doing-this-for-several-years-can-this-be-used-as-a-source-of-income-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/30/when-reviewing-the-bank-accounts-the-processor-noted-several-deposits-that-are-outside-of-the-norm-for-the-borrowers-account-they-are-not-all-large-deposits-but-many-smaller</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/30/on-a-new-construction-property-for-which-the-borrower-is-seeking-a-loan-how-is-a-processor-to-obtain-a-certificate-of-occupancy-if-the-property-is-outside-of-the-city-limits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/16/the-borrowers-have-applied-for-a-mortgage-to-build-a-home-on-a-lot-they-purchased-a-few-years-ago-as-a-processor-on-this-new-loan-i-know-that-they-are-required-to-have-a-form-board-survey</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/16/the-borrower-has-a-history-of-paying-off-debt-immediately-after-it-is-charged-due-to-the-lack-of-balances-and-revolving-credit-the-report-did-not-produce-credit-scores-what-documents-would</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/16/should-the-underwriter-question-deposits-that-are-not-considered-large-deposits-but-are-not-the-borrowers-norm-of-previous-banking-functions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/16/a-borrowers-residence-is-pending-sale-but-will-not-close-and-transfer-title-to-the-new-owner-prior-to-the-subject-transaction-the-payments-for-both-properties-knocks-the-borrower-out-of</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/16/during-processing-it-was-discovered-that-the-seller-has-a-lien-on-title-in-the-amount-of-19472-for-a-carport-he-is-set-to-get-over-100000-in-the-sale-of-the-home-can-the-lien-be-paid-off</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/2/the-application-reflects-that-the-borrower-has-worked-for-the-same-company-for-a-number-of-years-however-the-documentation-provided-by-him-reflects-that-the-company-has-changed-the-way-they-pay</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/2/if-a-borrower-is-self-employed-the-processor-is-tasked-with-verifying-that-the-self-employed-business-is-still-open-and-operational-before-the-loan-closes-how-might-a-processor-go-about-proving</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/2/during-a-telephone-conversation-the-processor-has-learned-that-the-borrower-is-recently-divorced-the-divorce-was-final-just-last-month-and-the-borrower-will-be-getting-child-support-for</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/2/while-reviewing-the-documentation-the-processor-noticed-that-the-borrower-is-receiving-bonus-income-but-the-amount-shown-on-the-verification-of-employment-differs-from-year-to-year-is-this</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/5/2/the-underwriter-is-trying-to-qualify-the-borrower-using-his-full-time-job-as-a-middle-school-teacher-he-is-off-during-the-summer-months-and-the-underwriter-has-been-presented-with-a</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/4/18/a-self-employed-borrower-owns-a-property-that-is-100-vested-in-his-llc-and-he-would-like-to-refinance-the-property-for-cash-out-will-the-time-he-has-owned-the-property-count-towards-the</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/4/18/when-reviewing-the-loan-the-underwriter-has-noticed-that-the-loan-was-submitted-for-approval-with-the-payment-for-a-leased-car-having-less-than-10-payments-as-excluded-from-the-monthly-debt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/4/18/a-veteran-borrower-is-receiving-education-benefits-from-the-veterans-administration-and-the-processor-has-obtained-proof-that-they-will-continue-for-the-next-3-years-can-those-benefits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/4/18/a-customer-and-his-wife-are-buying-a-property-owned-by-his-parents-they-would-like-to-receive-a-gift-of-equity-for-the-down-payment-but-will-also-need-help-with-the-closing-costs-is-a-gift-of</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/4/18/in-reference-to-the-qc-programs-that-the-agencies-require-in-order-be-an-approved-mortgagee-do-the-agencies-have-to-approve-the-qc-audit-material-in-order-to-be-an-approved-lender-can-a</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/4/4/the-borrower-is-currently-renting-the-home-she-would-like-to-purchase-can-she-get-credit-for-any-of-the-rent-she-has-previously-paid-to-live-in-the-home-and-have-it-applied-to-mortgage-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-04</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/4/4/the-borrower-has-recently-entered-into-an-installment-agreement-with-the-irs-for-unpaid-federal-income-taxes-in-order-to-get-a-mortgage-loan-does-the-borrower-have-to-come-up-with-the</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-04</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/4/4/a-borrower-is-purchasing-a-rural-property-that-has-an-extremely-large-lot-size-the-area-around-the-property-is-largely-undeveloped-thus-there-is-a-shortage-of-recent-comparable-sales-will-this</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-04</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/4/4/when-reviewing-documentation-the-processor-notices-that-there-is-a-seller-variation-on-the-documents-in-file-the-appraiser-has-a-different-seller-on-the-appraisal-than-the-other-documents-how</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-04</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/4/4/the-borrower-qualifies-for-an-fha-loan-she-has-found-a-beautiful-property-but-it-has-a-huge-storage-shop-on-it-does-fha-have-a-stipulation-regarding-non-residential-use-of-property</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-04</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/3/21/the-borrower-is-paying-down-an-installment-loan-to-less-than-10-payments-at-closingnbspdoes-the-monthly-payment-need-to-be-included-in-the-dti-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/3/21/the-borrowers-current-mortgage-is-not-reporting-on-the-credit-report-and-the-mortgage-history-is-obtained-but-has-a-30-day-late-in-the-last-12-monthsnbsp-can-they-still-qualify-for-a-new</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/3/21/the-borrower-is-receiving-a-gift-from-a-friend-is-this-an-acceptable-relationship-for-a-fannie-mae-conventional-loan-gift-donor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/3/21/the-borrower-has-a-615-fico-scorenbspcan-they-qualify-for-a-new-mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/3/21/the-borrower-has-a-prior-bankruptcy-how-long-is-required-before-the-borrower-can-qualify-for-a-new-mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/3/7/the-borrower-has-a-prior-foreclosure-how-long-is-required-before-the-borrower-can-qualify-for-a-new-mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/3/7/the-borrower-is-obligated-on-another-mortgage-that-someone-else-is-paying-the-monthly-payment-fornbspwhat-is-required-to-exclude-this-payment-from-qualifying</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/3/7/the-borrower-is-obligated-on-a-car-loan-that-is-being-paid-by-another-person-that-is-not-also-on-the-car-loan-can-this-debt-be-excluded-from-qualifying-the-debt-to-income-ratio</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/3/7/when-are-terms-of-withdraw-and-liquidation-required-when-documenting-retirement-assets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/3/7/the-borrower-has-supplied-a-60-day-printout-to-support-the-assets-that-are-being-used-to-qualifynbspis-this-acceptable</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/2/21/how-do-you-qualify-assets-when-the-borrower-has-large-deposits-that-cannot-be-sourced</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/2/21/when-qualifying-a-conventional-fannie-mae-loan-when-do-large-deposits-on-asset-accounts-need-to-be-documented</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/2/21/the-borrower-is-purchasing-a-rental-propertynbspcan-rental-income-be-used-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/2/21/how-many-years-of-tax-returns-are-required-to-document-rental-income-on-an-existing-non-subject-rental-property</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/2/21/the-borrower-is-purchasing-a-new-primary-residence-and-will-be-keeping-their-current-residence-as-a-rental-propertynbsp-can-rental-income-be-used-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/2/7/the-sales-contract-includes-a-lawn-mower-at-0-cost-is-this-acceptable</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/2/7/is-cash-on-hand-an-acceptable-source-of-funds-for-closing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/2/7/how-would-long-term-income-resulting-from-the-sale-of-a-business-be-documented-and-calculated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/2/7/can-a-deposit-that-results-from-a-disbursement-of-student-loan-funds-be-counted-as-funds-available-for-closing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/2/7/the-appraisal-indicates-dampness-and-settlement-in-the-foundation-in-the-improvements-section-will-this-be-a-problem</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/1/24/if-a-borrower-has-had-5-different-employers-in-the-last-year-should-that-be-considered-a-red-flag</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2023-01-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/1/24/who-is-eligible-to-provide-a-gift-to-the-borrower-on-a-fha-loan</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2023-01-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/1/24/what-is-required-if-there-is-suspected-fraud-or-misrepresentation-on-a-loan-application-or-during-the-processing-of-a-loan</loc>
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    <lastmod>2023-01-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/1/24/is-it-acceptable-for-a-borrower-to-also-act-as-their-own-real-estate-buyers-agent</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/1/24/what-is-considered-a-large-deposit-when-reviewing-a-borrowers-bank-statement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/1/10/what-does-trid-mean-and-how-does-it-affect-processing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/1/10/what-constitutes-a-mortgage-loan-application-and-how-does-it-affect-processing</loc>
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    <lastmod>2023-01-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/1/10/how-long-does-a-lender-have-to-respond-to-a-mortgage-application</loc>
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    <lastmod>2023-01-10</lastmod>
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      <image:title>FREE "Ask the Instructor" Videos</image:title>
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      <image:title>NAMP® Certification Handbook - Make it stand out</image:title>
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      <image:title>NASBA Accreditation - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:title>What Does a Loan Processor Do? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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  <url>
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