<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:xhtml="http://www.w3.org/1999/xhtml" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1">
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2022/4/28/the-passing-score-for-all-namp-certification-exams-was-lowered-to-75-or-greater</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2022/4/5/the-searchable-namp-certificant-directory-was-removed-from-namps-website</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2021/4/26/namp-no-longer-requires-a-3rd-party-criminal-background-check-for-certification</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2018/10/30/fileinvite-selects-namp-to-introduce-offerings-to-mortgage-processors-amp-underwriters-nationwide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-10-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1540904055310-2FMFVXSYM1ZRDC0G655R/Fileinvite-logo.jpg</image:loc>
      <image:title>Mortgage Processor News - FileInvite Selects NAMP® to Introduce Offerings to Mortgage Processors &amp;amp; Underwriters Nationwide</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2018/7/20/namp-adds-new-corporate-sponsor-file-invite</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-07-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1532098038602-61OD5TKNSNDIBTX5ZKH4/Fileinvite%2Blogo.jpg</image:loc>
      <image:title>Mortgage Processor News - NAMP Adds New Corporate Sponsor: File Invite</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2018/2/19/check-out-our-full-page-ad-in-the-scotsman-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-02-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1519051793433-E6IDKROROQE62T8VZAQB/1468949594738.jpg</image:loc>
      <image:title>Mortgage Processor News - Check Out Our Full-Page Ad in the Scotsman Guide....</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2016/7/28/add-your-certification-to-linkedin-get-class-voucher</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-02-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1469712577577-BRO2HPALMSDVI7340XSU/image-asset.png</image:loc>
      <image:title>Mortgage Processor News - Add Your Certification to LinkedIn &amp; Get $395 Class Voucher</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2016/7/19/whats-new-at-namp-for-2016</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-09-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2015/2/17/namp-launches-new-website</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424873913205-HE820H0M1B5A1RQWYXFN/image-asset.jpeg</image:loc>
      <image:title>Mortgage Processor News - PRESS RELEASE: NAMP® Launches New Website</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2015/2/17/press-release</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424873989818-OQZJFT7K22G1EF2RGLTP/image-asset.jpeg</image:loc>
      <image:title>Mortgage Processor News - PRESS RELEASE: NAMP Adds New Webinar to Address October FHA Changes</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2015/2/17/press-release-eagle-nationwide-sponsors-namp</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424874028476-YJC0NROPU7N8H8LHISVX/image-asset.jpeg</image:loc>
      <image:title>Mortgage Processor News - PRESS RELEASE: Eagle Nationwide Sponsors NAMP</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2015/2/17/press-release-fha-engineering-firm-partners-with-namp-to-help-educate-consumers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424874058167-4R01W6QH0F1PDQS42X08/image-asset.jpeg</image:loc>
      <image:title>Mortgage Processor News - PRESS RELEASE: FHA Engineering Firm Partners with NAMP to Help Educate Consumers</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2015/2/17/press-release-namp-views-fha-streamlines-as-next-wave-for-2009</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424874095544-XV4UC3V5ZRKBKDW0RHGZ/image-asset.jpeg</image:loc>
      <image:title>Mortgage Processor News - PRESS RELEASE: NAMP Views FHA Streamlines As Next Wave For 2009</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2015/2/17/press-release-namp-predicts-mortgage-loan-modifications-will-sky-rocket</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424874128473-7NTEA98BMVOV0L49X4DL/image-asset.jpeg</image:loc>
      <image:title>Mortgage Processor News - PRESS RELEASE: NAMP Predicts Mortgage Loan Modifications Will Sky Rocket</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2015/2/17/press-release-namp-and-fha-online-university-offer-course-for-closers-post-closers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424874174549-TYONTIRJQ66HOFZJXWQN/image-asset.jpeg</image:loc>
      <image:title>Mortgage Processor News - PRESS RELEASE: NAMP and FHA Online University Offer Course for Closers &amp; Post Closers</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2015/2/17/press-release-namp-views-new-economic-stimulus-plan-as-promising-action-by-fha-to-boost-housing-and-increase-mortgage-limits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424874211715-KM09TU10F3MGVKAS0ZLC/image-asset.jpeg</image:loc>
      <image:title>Mortgage Processor News - PRESS RELEASE: NAMP Views new Economic Stimulus Plan as Promising Action by FHA to Boost Housing and Increase Mortgage Limits</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2015/2/17/press-release-vlendercom-supports-higher-mortgage-industry-standards-partners-as-platinum-affiliate-of-namp</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424874255120-O1M5S83ERKN8MS4VR94V/image-asset.jpeg</image:loc>
      <image:title>Mortgage Processor News - PRESS RELEASE: vLender.Com Supports Higher Mortgage Industry Standards - Partners as Platinum Affiliate of NAMP</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2015/2/17/press-release-fha-reform-to-provide-long-term-relief-from-mortgage-market-constrictions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424874293910-9G7T3W5B5BEIVEDQ91E0/image-asset.jpeg</image:loc>
      <image:title>Mortgage Processor News - PRESS RELEASE: FHA Reform to Provide Long Term Relief from Mortgage Market Constrictions</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2015/2/17/press-release-namp-adds-new-sponsor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424874342245-UB4RW2M0BBO2QRP9PS0X/image-asset.jpeg</image:loc>
      <image:title>Mortgage Processor News - PRESS RELEASE: NAMP Adds New Sponsor</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/namp-press-room/2015/2/17/namp-in-the-news-namp-predicts-fha-loans-may-replace-sub-prime</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424874372962-M3GQMKDRQ2NEFUXKAU3E/image-asset.jpeg</image:loc>
      <image:title>Mortgage Processor News - NAMP IN THE NEWS: NAMP Predicts FHA Loans May Replace Sub Prime</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-05-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/5/21/reverse-mortgage-compliance-breakdown-raises-alarm-over-potential-borrower-defaults</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/5/6/future-of-fannie-and-freddie-public-offerings-hinges-on-trump-administration-decision</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/4/22/fannie-mae-forecast-points-to-shifting-mortgage-rates-and-slower-home-price-growth</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/4/7/fannie-mae-outlook-signals-mortgage-rates-may-stay-elevated-longer-than-expected</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/3/26/sticky-inflation-clouds-outlook-for-fed-rate-cuts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/3/10/five-year-mortgage-rates-climb-above-5-as-global-conflict-sends-shockwaves-through-markets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/2/26/agency-mbs-effort-yields-temporary-mortgage-rate-relief-as-market-uncertainty-limits-impact</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/2/26/proposed-hud-rule-sparks-fears-of-family-separation-and-rising-homelessness-among-mixed-status-households</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/2/24/fannie-mae-launches-tender-offer-for-select-connecticut-avenue-securities-notes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/2/10/house-passes-bipartisan-housing-bill-to-tackle-affordability</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/2/10/gse-mortgage-bond-buying-complicates-housing-finance-reform</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/2/10/cfpb-revises-credit-report-dispute-process-in-move-to-strengthen-consumer-protections</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-02-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/1/27/fed-likely-to-hold-rates-steady-as-officials-weigh-inflation-progress-and-economic-risks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/1/27/non-qm-credit-stress-lingers-as-loan-impairments-extend-into-late-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/1/27/early-2026-shows-signs-of-renewed-energy-in-a-rebalancing-housing-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/1/13/trump-directs-team-to-plan-massive-mortgage-bond-purchases-in-bid-to-stabilize-housing-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/1/13/house-va-panel-pauses-action-on-proposed-mortgage-fee-increase-after-industry-pushback</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2026/1/13/mortgage-brokers-press-fha-to-reconsider-lifetime-mortgage-insurance-requirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/12/30/hud-signals-caution-on-50-year-mortgage-concept-as-affordability-debate-continues</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-31</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/12/30/what-future-fed-rate-cuts-could-mean-for-mortgage-rates-and-homebuyers-in-2026</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-31</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/12/30/slowing-home-price-growth-expected-to-ease-affordability-pressures-by-2026</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-31</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/12/16/hud-announces-2026-fha-amp-hecm-loan-limit-increases-to-reflect-market-conditions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/12/16/fed-rate-cut-brings-some-consumer-relief-but-mortgage-gains-lag-behind</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/12/16/house-unveils-sweeping-bipartisan-housing-reform-plan-with-broad-industry-support</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/12/3/fico-to-publish-10t-creditscore-history-after-deal-with-fhfa</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/12/3/mortgage-lenders-prospects-are-improving-but-high-origination-costs-keep-pressure-on</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/12/3/whats-fueling-the-surge-in-fannie-mae-stock-and-is-the-rally-justified</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/11/21/multifamily-lending-caps-rise-as-ipo-hopes-for-fannie-and-freddie-stir</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/11/21/50year-mortgages-gain-appeal-among-younger-buyin-but-risks-empty-equity</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/11/19/cfpb-moves-to-narrow-federal-antidiscrimination-credit-rules</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/11/5/debate-intensifies-over-fhfas-revised-housing-goals-for-fannie-and-freddie</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/11/5/wall-street-eyes-possible-public-comeback-for-mortgage-giants</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/11/5/end-of-the-feds-balance-sheet-runoff-could-ease-mortgage-ratesbut-not-overnight</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/10/21/fhfa-refocuses-housing-strategy-following-executive-orders</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/10/21/fed-sounds-alarm-over-housing-job-market-deterioration</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/10/21/mortgage-data-points-to-rising-homesales-potential-in-2026</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/10/7/fhfa-seeks-to-narrow-affordable-housing-mandates-for-fannie-and-freddie</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/10/7/trump-pushes-fannie-freddie-to-ignite-homebuilder-activity</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/10/7/october-mortgage-rate-outlook-expect-gradual-easing-not-a-windfall</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/9/23/mortgage-paths-for-visa-holders-narrow-after-fha-eligibility-changes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/9/23/fannie-mae-lowers-rate-forecast-signals-gradual-housing-market-rebound</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/9/23/fed-rate-cut-may-not-deliver-real-relief-for-mortgage-borrowers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/9/10/fed-expected-to-cut-rates-next-week-8-experts-weigh-in-on-what-you-should-doand-who-stands-to-gain-or-lose</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/9/10/refinance-demand-spikes-as-non-qm-lending-sets-new-record</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/9/10/senators-push-housing-finance-reforms-as-administration-contemplates-emergency-declaration</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/8/26/mba-raises-alarms-over-buy-now-pay-laters-impact-on-fha-underwriting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/8/26/political-shakeup-sparks-market-jitters-raises-concerns-over-central-bank-independence</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/8/26/mortgage-rates-tick-up-slightly-from-10-month-lows</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/8/12/mba-pushes-to-ditch-trimerge-credit-reports-for-gse-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/8/12/mortgage-rates-stay-flat-as-markets-wait-for-fed-signals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-13</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/8/12/fannie-and-freddie-ipo-in-2025-experts-call-the-timeline-extraordinarily-aggressive</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-13</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/7/29/fhfa-moves-to-roll-back-fair-lending-and-equitable-housing-rule</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/7/29/senators-challenge-fhfas-push-to-allow-crypto-in-mortgage-underwriting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/7/29/home-equity-lending-surges-as-homeowners-tap-record-wealth</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/7/15/fhfa-clarifies-vantagescore-rollout-and-policy-updates-for-lenders</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-15</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/7/15/june-inflation-report-may-dash-hopes-for-july-fed-rate-cut</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-15</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/7/15/us-home-prices-lose-momentum-as-market-shifts-gently</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-15</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/7/2/fha-slashes-mortgage-rules-in-sweeping-cost-cutting-overhaul</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/7/2/us-homes-are-staying-on-the-market-longer-as-market-conditions-normalize</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/7/2/trumps-handwritten-note-to-powell-ignites-new-clash-over-interest-rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/6/17/home-price-growth-projected-to-slow-through-2026-says-fannie-mae-expert-panel</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/6/17/federal-reserve-poised-to-hold-rateswhat-it-means-for-borrowers-savers-and-markets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/6/17/senate-approves-crackdown-on-trigger-leads-in-bid-to-protect-borrower-privacy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/6/3/fed-officials-offer-mixed-signals-on-timing-of-potential-rate-cuts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-04</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/6/3/high-mortgage-rates-persist-as-buyers-weigh-their-next-move</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/6/3/tariff-power-under-fire-as-federal-appeals-court-reinstates-trump-era-duties</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/5/20/cfpb-rolls-back-dozens-of-guidance-documents-in-regulatory-reset</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/5/20/us-credit-downgrade-sparks-surge-in-mortgage-rates-intensifying-housing-pressures</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/5/20/trumps-tariffs-weigh-heavily-on-us-housing-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/5/6/affordable-housing-advocates-sound-alarm-over-proposed-hud-budget-cuts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/5/6/mortgage-industry-sees-notable-leadership-changes-in-april-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/5/6/mortgage-rates-ease-slightly-as-market-conditions-improve</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/4/22/mortgage-rates-surge-as-market-volatility-disrupts-spring-housing-momentum</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/4/22/big-banks-urge-simplified-mortgage-rules-amid-sluggish-housing-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/4/22/rising-mortgage-delinquencies-among-first-time-buyers-signal-mounting-financial-strain</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/4/8/mortgage-rates-likely-to-rise-as-fannie-mae-and-freddie-mac-face-privatization-push</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/4/8/homebuilders-catch-a-break-on-tariffs-but-housing-market-still-faces-turbulence</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/4/8/tariff-tensions-rattle-homebuilder-stocks-amid-market-recovery-fears</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/3/25/fha-rescinds-biden-administration-appraisal-policies</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/3/11/fico-simulator-available-on-xactus-platform-redfin-data-shows-more-cancellations-fewer-pending-sales</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/2/18/gses-report-strong-2024-financial-results</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/2/7/cfpb-director-dismissed-as-republicans-seek-to-shut-off-agencys-funding</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/1/21/new-director-for-fhfa-new-delay-for-credit-initiatives-announced</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2025/1/7/treasury-fhfa-amend-gse-agreements-to-ensure-orderly-release-from-conservatorship</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/12/24/fhfa-lowers-certain-low-income-housing-goals-for-gse-loan-purchases</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/12/10/modest-growth-expected-for-mortgage-lenders-in-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/11/26/fannie-announces-new-version-of-desktop-underwriter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/11/12/rural-home-buying-outpacing-urban-sales-since-pandemic</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/10/29/lenders-see-opportunity-in-standardizing-closing-cost-structure</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-29</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/10/15/market-data-shows-influx-of-recent-refinance-volume</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-15</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/10/1/democrat-senators-push-fhfa-to-implement-higher-new-home-energy-standards</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/9/17/homeowners-have-more-equity-homebuyers-have-less-market-optimism</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/9/3/gses-announce-new-policies-for-pmi-and-multifamily-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/8/20/housing-affordability-is-improving-but-buyer-sentiment-is-not</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/8/6/fannie-freddie-report-steady-second-quarter-financial-results</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/7/23/agencies-issue-final-rule-on-ai-appraisal-usage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/7/9/fhfa-cfpb-release-updated-mortgage-data</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-07-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/6/25/fhfa-approves-limited-pilot-for-freddie-mac-second-mortgage-product</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/6/11/homebuying-attitudes-hit-record-low-as-affordability-becomes-leading-campaign-issue-among-young-voters</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/5/28/several-organizations-members-of-congress-voice-concern-with-freddie-mac-second-mortgage-proposal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/5/14/fannie-responding-to-lender-concerns-about-replacement-cost-property-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/4/30/fhfa-directors-senate-testimony-points-to-indefinite-conservatorship-of-enterprises</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/4/16/homebuyers-coping-with-higher-mortgage-rates-in-various-ways</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/4/2/latest-statistics-from-redfin-demonstrates-affordability-challenges</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/3/19/industry-contracts-as-housing-inventory-expands</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/3/5/fhfa-delays-credit-score-and-reporting-transition-to-end-of-2025</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/2/20/gses-report-solid-2023-financial-results</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/2/6/hud-removes-registration-requirement-for-lender-branch-offices-to-provide-fha-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/1/23/economists-more-optimistic-about-single-family-market-pessimistic-in-commercial</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2024/1/9/2024-will-be-mixed-for-industry-volume-job-prospects</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/12/26/fannie-forecasts-slight-increase-in-mortgage-apps-next-year</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/12/12/freddie-mac-streamlines-origination-process-for-condo-units</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/11/28/fhfa-publishes-final-rule-for-amended-capital-framework</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/11/14/gses-complete-latest-phase-on-ucd-critical-edits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/10/31/fannie-hud-promote-initiatives-to-create-more-housing-units-and-home-financing-opportunities</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/10/17/industry-groups-call-on-feds-to-take-action-to-tame-mortgage-rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/10/5/cfpb-releases-2022-data-collected-under-hmda</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/9/19/multiple-reports-confirm-negative-sentiment-in-current-housing-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/9/5/home-values-home-equity-continue-to-rise</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/8/22/how-will-advanced-ai-technology-affect-mortgage-lending</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/8/8/single-family-volume-rebounds-in-second-quarter-for-fannie-freddie</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/7/25/mortgage-lenders-remain-pessimistic-though-some-positive-signs-emerge</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/7/11/fannie-freddie-update-selling-guides-to-address-new-condo-requirements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/6/27/hud-launches-office-dedicated-to-manufactured-housing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/6/13/multiple-policy-and-legislative-announcements-to-impact-mortgage-lenders</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/5/30/new-freddie-mac-capability-helps-lenders-calculate-borrower-income-more-quickly-and-precisely</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/5/16/industry-applauds-fhfa-decision-to-rescind-dti-fee</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/5/2/fhfa-responds-to-criticism-about-updated-llpa-fee-structure</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/4/18/fha-fhfa-release-regulatory-announcements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/4/4/fannie-pushes-recession-forecast-to-second-half-of-2023</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/3/21/fhfa-delays-fee-requirement-cfpb-seeks-regulation-z-input</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/3/7/key-rule-changes-announced-by-fha-fhfa-and-fannie-mae</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/2/21/fannie-mae-releases-2022-financials-freddie-mac-delays-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/2/7/gses-announce-changes-to-cash-out-refinance-eligibility-policies</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/1/24/fhfa-announces-gse-fee-updates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2023/1/10/cfpb-releases-report-on-consumer-reporting-agency-complaints</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/12/27/federal-reserve-gses-announce-libor-replacement-rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/12/13/fannie-mae-updates-underwriting-system-to-expand-eligibility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/11/29/new-rule-enables-private-flood-insurance-for-fha-loans-on-properties-in-flood-risk-areas</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/11/15/gse-earnings-sharply-decline-as-higher-mortgage-rates-hinder-business</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/11/1/fhfa-approves-two-credit-score-models-for-fannie-and-freddie-mortgages</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/10/18/fannie-again-lowers-forecast-for-2023-housing-and-mortgage-volumes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/10/4/fannie-mae-launches-rent-payment-reporting-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/9/20/advocates-push-for-affordability-and-access-measures-on-fha-and-va-mortgages</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/9/6/fhfa-announces-official-review-of-fhlbank-system</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/8/23/fhfa-ginnie-mae-announce-new-financial-eligibility-requirements-for-sellers-and-servicers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/8/9/fannie-and-freddie-announce-selling-guide-updates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/7/26/fhfa-announces-office-of-financial-technology</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/7/12/fha-eases-income-requirements-due-to-covid-19</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/6/28/new-umb-security-fee-taking-effect-as-regulators-begin-review-of-qm-rules</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/6/14/fhfa-announces-equitable-housing-finance-plans-for-gses</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/5/31/fhfa-issues-final-ercf-rule-welcomes-newly-confirmed-director</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/5/17/pessimism-continues-for-buyers-and-refinancing-but-home-equity-loans-see-surge</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/5/3/fhfa-publishes-revised-duty-to-serve-plans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/4/19/fannie-now-permits-lenders-to-obtain-attorney-title-opinion-letters</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/4/5/fhfa-director-says-agency-is-preparing-gses-to-exit-conservatorship-but-no-timeline-is-offered</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/3/22/fannie-mae-releases-latest-economic-mortgage-market-forecast</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/3/8/mortgage-industry-employment-moderates-after-increasing-last-year-pay-up-from-two-years-ago</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/2/22/fannie-freddie-boost-their-net-worths-with-profitable-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/2/8/freddie-mac-announces-permanent-acceptance-of-desktop-appraisals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/1/25/fannie-forecasts-normalization-of-mortgage-and-housing-in-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2022/1/11/fhfa-requires-revisions-to-gses-duty-to-serve-plans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/10/26/fhfa-announces-expanded-refinance-eligibility-and-desktop-appraisals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/10/12/fannie-to-allow-third-parties-to-meet-borrower-education-requirements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/9/28/senators-propose-discounted-20-year-mortgage-for-first-time-buyers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/9/14/fannie-mae-surveys-show-slightly-higher-optimism-about-lenders-and-consumers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/8/31/can-mortgage-financing-initiatives-work-in-a-low-supply-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-09-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/8/17/fannie-lenders-can-consider-rental-payments-in-credit-evaluation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/8/3/millennial-homeownership-increasing-use-of-bank-lenders-decreasing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/7/20/freddie-forecasts-strong-market-with-gradually-increasing-mortgage-rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/7/6/mortgage-volume-declined-in-may</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/6/22/fha-updates-policy-on-student-loan-calculation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/6/8/cfpb-clarifies-rules-on-escrow-account-repayment-options</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/5/25/fannie-lowers-purchase-mortgage-outlook-for-2021-increases-refinance-forecast</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/5/11/gses-announce-new-refinance-initiatives-for-low-income-homeowners</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/4/27/data-shows-mortgage-market-continuing-to-strengthen-as-covid-impacts-diminish</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/4/13/potential-home-sellers-more-optimistic-in-latest-fannie-survey</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/3/30/fannie-says-rising-mortgage-rates-will-not-curtail-home-sales-but-other-factors-might</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/3/16/mortgage-lenders-profit-outlook-dips</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/3/2/pandemic-leads-to-extensions-on-foreclosure-moratoriums-and-qm-deadlines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/2/16/fannie-and-freddie-report-2020-financial-results</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/2/2/january-market-reports-point-to-high-demand-in-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/1/19/freddie-mac-forecasts-fewer-originations-in-2021-and-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2021/1/5/fhfa-seeks-industry-input-on-potential-changes-in-appraisals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/12/22/fhfa-proposes-liquidity-rule-for-gses</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/12/8/house-financial-services-chair-urges-fhfa-to-halt-efforts-to-release-gses-from-conservatorship</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/11/24/fhfa-announces-final-capital-rule-for-fannie-and-freddie</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/11/10/what-impact-will-bidens-presidency-have-on-the-mortgage-industry</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/10/28/condo-and-vacation-home-loans-can-boost-mortgage-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/10/13/people-want-to-buy-sell-and-refinance-but-will-they-be-able-to</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/9/29/fhfa-releases-four-year-strategic-plan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/9/15/rise-in-delinquencies-overshadows-rising-demand-in-originations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/9/1/fhfa-extends-temporary-provisions-to-address-covid-19</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/8/18/how-to-become-a-mortgage-processor-or-mortgage-underwriter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/8/4/gses-report-second-quarter-earnings</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/7/21/reports-show-recovery-of-housing-and-mortgage-markets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/7/7/cfpb-proposes-removing-dti-requirement-from-qualified-mortgages</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/6/23/fhfa-extends-temporary-flexibilities-as-market-shows-positive-signs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/6/9/fannie-now-requiring-additional-documentation-for-self-employment-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/5/26/fannie-forecasts-some-improvement-in-housing-late-this-year</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/5/12/fannie-and-freddie-report-lower-income-in-first-quarter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/4/28/falling-mortgage-rates-greatly-increases-refinance-candidate-pool</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/4/14/fannie-increases-several-housing-estimates-for-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/3/31/for-sale-housing-inventory-falls-to-record-low-level</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/3/17/how-long-could-the-coronavirus-keep-you-out-of-work</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/3/3/cfpb-proposed-removing-dti-from-qualified-mortgage-rule</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/2/18/fhfa-releases-data-on-npl-sales</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/2/4/mortgage-lenders-expect-higher-purchase-demand-steady-profits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/1/21/fha-reports-higher-capital-ratio-for-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/12/24/cfpb-extends-reporting-threshold-for-open-end-credit-lines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/12/10/residential-appraisal-exemption-threshold-increased-to-400000</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/11/26/cfpb-fhfa-assessing-key-mortgage-industry-rules</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/4/13/nar-report-shows-how-buyers-finance-homes-and-down-payments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2020/4/13/fannie-says-housing-to-drive-economic-growth-in-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/10/1/cfpb-reports-alternative-credit-model-could-increase-credit-access</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/9/24/mortgage-activity-remains-strong</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/9/16/freddie-says-low-rates-continue-to-boost-mortgage-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/8/12/timeline-for-ending-gse-conservatorship-still-uncertain</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/8/5/research-suggests-liquidity-influences-defaults-more-than-equity</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/7/29/new-freddie-mac-loan-helps-with-renovation-financing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/7/1/multiple-reports-indicate-plans-are-underway-to-end-gse-conservatorship</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/6/24/capital-is-key-as-fhfa-works-toward-ending-gse-conservatorship</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/6/19/economic-indicators-point-to-strong-home-buying-season</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/5/13/fha-announces-measures-to-better-manage-risk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/5/6/senate-confirms-calabria-as-fhfa-director</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/4/30/fannie-and-freddie-offer-refinance-programs-underwater-homeowners</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/3/25/aim-for-self-employed-borrowers-available-through-freddie-mac</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/3/18/fha-announces-guidance-for-using-third-parties-to-verify-financials-on-reverse-mortgage-underwriting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/3/11/fannie-lowers-q1-housing-projections-but-sees-strong-spring-buying-season</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/2/4/fannie-forecasts-stable-mortgage-rates-and-home-sales</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/1/21/fannie-provides-lender-guidance-for-loans-affected-by-government-shutdown</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2019/1/7/what-housing-experts-foresee-in-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/12/17/fhfa-announces-proposed-rule-to-approve-third-party-credit-score-models</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/12/3/will-current-negative-housing-trends-continue</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/11/19/fha-releases-annual-report-to-congress</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/11/6/managing-mortgage-borrower-data-to-remain-secure</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/10/22/industry-expectations-for-2019-becoming-more-pessimistic</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/10/8/fha-to-require-second-appraisal-for-certain-reverse-mortgages</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/9/24/fhfa-issues-proposed-rule-for-uniform-mbs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/9/10/cfpb-issues-rule-to-implement-and-clarify-new-hmda-amendments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/8/27/what-do-mortgage-underwriters-and-processors-currently-earn</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/8/13/fannie-no-longer-requires-market-conditions-addendum</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/7/30/fhfa-tables-credit-score-initiative</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/7/16/cfpb-implements-new-hmda-reporting-rules-contained-in-s-2155</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/7/16/pass-the-word-on-passwords-5-tips-tokeeping-yourself-safe</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-07-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1531757169922-Z90P26HN6RRT4HTF1OOP/Fileinvite+logo.JPG</image:loc>
      <image:title>LIBRARY - Pass the word on passwords - 5 tips to keeping yourself safe</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/7/2/freddie-mac-opens-automated-appraisal-system-to-eligible-condo-mortgages</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/6/18/report-blames-regulation-for-increasing-housing-costs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/6/4/default-index-shows-ability-to-repay-rules-working-for-mortgage-lenders</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/5/7/freddie-mac-announces-new-mortgage-program-for-first-time-buyers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/4/23/fannie-maes-economic-outlook-remains-firm-but-warn-of-the-risk-of-trade-war</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/4/9/fannie-provides-lenders-more-flexibility-to-provide-closing-cost-assistance-to-borrowers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/3/26/latest-fannie-du-version-limits-risk-layering</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/3/12/two-major-mortgage-bills-move-forward-in-congress</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/2/27/gses-report-2017-financial-results</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/2/12/will-gse-reform-finally-get-done-in-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/1/29/hud-announces-review-of-manufactured-housing-rules</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/1/15/fhfa-requests-input-on-credit-score-usage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2018/1/2/5-developments-for-mortgage-professionals-to-look-for-in-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/12/11/fhfa-releases-latest-report-on-npl-sales</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/11/27/best-year-in-a-decade-will-give-way-to-mortgage-slowdown</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/11/13/hud-working-to-address-use-of-fca-to-penalize-fha-lenders</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/10/27/rates-inventory-labor-and-hurricanes-impacting-mortgage-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/10/16/mortgage-fraud-risk-on-the-rise</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/10/2/real-estate-market-to-remain-favorable-in-2018-according-to-freddie-mac</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/9/18/nfip-gets-short-term-extension-needs-long-term-solution</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/9/5/fhfa-extends-harp-modifies-new-high-ltv-refinance-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/8/21/despite-calls-for-change-gses-maintain-current-credit-scoring-model</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/8/7/trids-black-hole-remains-in-place-but-new-cfpb-proposal-aims-to-address-it</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/7/24/is-an-economic-storm-brewing-for-the-mortgage-industry</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/7/10/provisions-of-financial-choice-act-inserted-in-spending-bill</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/6/26/fhfa-wants-authority-to-examine-gse-third-parties</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/6/12/after-three-years-debate-between-phh-and-cfpb-seems-far-from-over</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/5/30/fannie-freddie-project-steady-housing-growth-in-2017-18</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/5/15/fannie-focused-on-customer-centric-initiatives</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/5/1/cfpb-to-increase-its-focus-on-mortgage-discrimination</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/4/17/when-should-gse-recapitalization-occur</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/4/3/cfpb-proposes-amendments-to-ecoa-regulation-b</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/3/20/is-the-mortgage-market-ripe-for-increased-fraud</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/3/6/fannie-mae-continues-to-evolve-its-credit-risk-transfer-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/2/21/fannie-mae-reports-positive-2016-results-but-warns-of-uncertainty-ahead</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/2/7/impact-of-fha-insurance-rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/1/23/what-do-mortgage-closers-earn-in-salary-and-benefits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2017/1/10/what-do-mortgage-processors-earn-in-salary-benefits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/8/5/fha-underwriters-remember-the-two-year-rule</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1470442071523-SMYFYA3DIE19EBEBC2MK/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Underwriters, Remember the Two Year Rule</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/8/5/sandy-was-a-nasty-lady-storm</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1470441460262-K8XS6TN15CGOKWO107O1/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Sandy was a nasty lady (storm)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/7/15/part-ii-calculating-student-loan-payments-forusda-fha-va</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-12-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1468625105916-HXRZQCMUDUF0WYM3CYMG/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Part II: Calculating Student Loan Payments for USDA, FHA &amp; VA</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/7/15/part-i-calculating-student-loan-payments-for-fannie-mae-freddie-mac</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1468624700793-J2TIE80LJY1YEJD60DMO/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Part I: Calculating Student Loan Payments for Fannie Mae &amp; Freddie Mac</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/7/15/taxes-interpteted-easier</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1468615685204-WK8NP82GJIA19VMFNVM1/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Taxes Interpreted Easier</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/6/17/when-un-reimbursement-expenses-are-an-issue</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1466210489271-V9OPOGQ2JEOARDVB9KAH/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - When Un-reimbursement Expenses are an Issue?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/6/3/how-student-loans-affect-approval-process</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1464985426947-XMSBS7YV1BOJ8PIR388R/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - How Student Loans affect Approval Process</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/5/13/reversehecm-financial-assessment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1463184945211-1QVMQ38EHE7MWW9B40V8/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Reverse / HECM Financial Assessment</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/5/13/fannie-maes-du-100-update-on-multiple-financed-properties</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1463184272433-550NBFB7W8XH31KBC6OR/image-asset.png</image:loc>
      <image:title>LIBRARY - Fannie Mae’s DU 10.0 Update on Multiple Financed Properties Explained</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/5/6/back-to-basics-utilizing-underwriting-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1462577295830-ZNWUFPWII7VMLXDYZPJI/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Back to Basics: Utilizing Underwriting Guidelines</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/4/8/solar-panels-requirements-part-i</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1460164339672-CJEL094T9BNQT1LXUF96/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Solar Panels Requirements -- Part I</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/4/15/solar-panel-requirements-part-ii</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1460761161228-KIB1E04CHH4QRKO5VOWC/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Solar Panel Requirements –- Part II</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/4/29/loan-packaging-techniques</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1461957395309-IJI1HGS5YBIQ9XS26ZCI/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Loan Packaging Techniques</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/4/22/calculating-student-loan-payments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1461354644882-UVB58AX0EFAWOO8VLKFI/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Calculating Student Loan Payments</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/4/15/tips-for-underwriting-usda-files-with-gus</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-04-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1460765712486-MGQEGGULLJZJ2FC0UEF6/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Tips for Underwriting USDA Files with GUS</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/4/8/validating-the-final-aus</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1460165023837-6XO31VF1QDADVNSN3YMB/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Validating the Final AUS</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/4/1/usda-3555-handbook-updates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-04-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1459540695336-I0ND3SHX3LTN1P6RRZO3/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - USDA 3555 Handbook Updates</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/3/25/usda-final-3555-rules-and-handbook-updates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1458932236339-DPVYUL2TSQVMY80D8DII/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - USDA Final 3555 Rules and Handbook Updates</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/3/18/ovbjir9qmpo004a1zaj8vl39mq5dzc</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1458346255014-0N4E7MGWPO45K80II70A/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Fannie Mae Updates</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/3/18/mortgage-industry-forms-changes-are-you-up-with-the-changes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1458345094015-8LCSLY51O90V0CXRN46U/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Industry Forms Changes – Are You Up with the Changes</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/3/11/time-management-tips</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1457744730064-77M8KGXVAQ96PP4BR39H/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Time Management Tips</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/3/11/underwriting-and-tax-returns</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1457744296936-J8ECY1C41EVVCVCB2N8U/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting and Tax Returns</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/3/4/the-benefits-of-using-an-income-calculation-worksheet</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1457139521655-41LI5NKLJ32BTB7LGTZJ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Benefits of Using an Income Calculation Worksheet</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/3/4/underwriters-make-sure-you-have-the-allowable-repairs-for-a-203k-limited</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1457137228573-C0958DOE0BO77PZ0AYIX/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriters make sure you have the allowable repairs for a 203(k) limited.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/2/26/underwriting-non-traditional-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1456529471519-FL2QXSH1BQFPR0SZCDE5/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting non-traditional income</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/2/19/fannie-maes-home-ready-program-vs-fha</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1455916857997-3NJ2BHKOIJ5IUBQP4TYD/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Fannie Mae’s Home Ready Program vs. FHA</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/2/12/underwriters-do-you-know-the-q-codes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1455331507148-OC9ZML06EF95VDZKB8B2/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriters, do you know the “Q”  codes?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/2/8/do-you-know-the-codes-in-the-appraisal-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1454982814877-S44FLSJKT7H1QC2FT8RS/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Do You Know the Codes in the Appraisal Report?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/2/1/you-should-not-have-any-indemnifications-due-to-gift-transactions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1454352188042-EYLTBMCQPTULZDR2T08L/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - You should Not have Any Indemnifications Due To Gift Transactions</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/1/22/the-sfh-40001-and-taxes-continues</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1453500270696-DMHAFSERJGMDJ7IA4ZYC/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The SFH – 4000.1 and Taxes Continues</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/1/15/the-bigger-the-tax-return-the-easier-it-is-to-analyze</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1452895617952-7MGZKBL15369EC3PZG45/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Bigger The Tax Return The Easier It IS to Analyze</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2016/1/8/if-your-company-accepts-private-savings-club-money-do-you-know-how-to-handle-it</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1452298032602-X95D0A78RCZ6FFYS8A09/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - If Your Company Accepts Private Savings Club Money, do you know how to handle it?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/12/18/fha-loans-are-assumable-do-you-know-how-to-work-with-the-assumptor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1450486843650-UXVTT0URH1HEKJUVBKG0/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Loans are assumable DO you know how to work with the assumptor?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/12/11/fha-underwriters-are-you-up-to-speed-with-the-exceptions-for-a-second-fha-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1449877604434-H0H0AFYXD3ZGRHDUEC3A/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Underwriters are you up to speed with the exceptions for a Second FHA loan</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/12/4/if-you-are-new-to-the-fha-203k-program-or-experienced</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1449273716277-QKEV12G4EEBG3TKTC581/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - If You are New to the FHA 203(K) Program or Experienced</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/11/20/staying-organized</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-11-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1448066298767-A03VE1VNRCAHM7L35G34/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Staying Organized</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/11/20/integrating-industry-changes-into-your-process-flow</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1448064718262-J6QEDGUI5X2OO6C2B9HK/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Integrating Industry Changes into Your Process Flow</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/11/20/presidentially-declared-federal-disaster-areas</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1448063853486-9P1JJ680ZFA1V0745A15/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Presidentially Declared Federal Disaster Areas</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/11/13/fha-announces-a-ratio-stretcher-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1447457358620-W9NXF31D4ZMESYSDNX5B/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Announces a Ratio Stretcher Program</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/11/6/single-family-handbook-40001-and-the-203k-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1446853373966-DZMTQCHPIUFPPHPECUY8/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Single Family Handbook 4000.1 and the 203(K) Program</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/10/30/how-to-calculate-schedule-c-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-10-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1446251912433-L2UDOCS5NJ5L4YSEDMCU/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - How to Calculate Schedule C income</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/10/30/hudfha-changes-hud-reo-underwriting-guidelines-effective-september-14-2015</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1446250283322-95LM3H8XFNO259W59ZF1/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - HUD/FHA Changes HUD REO Underwriting Guidelines Effective September 14, 2015</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/10/23/case-binder-stacking-order-review</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1445635970873-KOYH75AHMIZ6NBQAJ0WE/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Case Binder Stacking Order Review</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/10/16/are-you-ready-to-underwrite-energy-efficient-mortgages-eem</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1445028655321-9NADKQ8LI5PBHI9PYF20/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Are You Ready to Underwrite Energy Efficient Mortgages (EEM)?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/10/9/title-commitment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1444420949176-UDYDYH7LSLN6VNUMH4B3/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Title Commitment</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/10/9/new-fha-changes-can-work-out-better-in-some-cases</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1444419079507-EGC6KA6OYFVXQBCJMDUN/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - New FHA Changes can Work Out Better in Some Cases</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/10/2/how-to-review-a-tri-merge-credit-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1443822973562-8D200K7WBIRAL3YKGFV9/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - How to review a Tri Merge Credit Report</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/10/2/new-proposed-hud-rule</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1443820952072-JZXBT6SUKTJ1UJPLFMPW/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - New Proposed HUD Rule</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/9/25/understanding-the-new-loan-estimate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-09-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1443225803733-N72D42GBQRMS5JKRTVYL/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Understanding the New Loan Estimate</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/9/25/some-more-changes-to-fha</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1443224424828-4PBD97IVG6AV95ZC196N/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Some more changes to FHA</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/9/18/additional-fha-changes-effective-91415-unless-hud-delays-the-implementation-of-sfh-40001</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1442611456692-T8ESG2EGIX46HFLPX186/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Additional FHA Changes effective 9/14/15 Unless HUD delays the implementation of  SFH – 4000.1</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/9/15/how-to-read-the-new-closing-disclosure</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-09-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1442345479615-3Y2CCI11S0OPIH2W92R1/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - How to read the New Closing Disclosure</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/9/15/more-changes-to-fha-effective-91415-unless-hud-delays-it-again</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1442344690370-GDLMCMPGYJEW58OWLQME/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - More Changes to FHA effective 9/14/15 Unless HUD Delays it again.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/8/28/fha-changes-effective-91415</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1440782858729-Y94I5EHG1XMLKDDGF7H7/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Changes effective 9/14/15</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/7/24/battlefield-production</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1437929371455-MYLAZX7R3UGMKMGY24KE/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Battlefield Production</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/7/24/unless-hud-delays-it-the-sfh-40001-is-effective-september-14-2015-do-you-know-any-of-the-changes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1437775209408-WG30A7JYD2XM3AVA5QOA/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Unless HUD Delays it, the SFH 4000.1 is effective September 14, 2015. Do You Know Any of the Changes?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/7/10/in-front-of-the-eight-ball</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1436563889270-RGKXO1FNHL55OL7FXU5M/image-asset.png</image:loc>
      <image:title>LIBRARY - In Front of the Eight Ball</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/7/10/does-fha-require-a-minimum-credit-score-and-how-is-it-determined</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-07-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1436563381824-WGEQCGK8PKCHFHIH99AO/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Does FHA require a minimum credit score and how is it determined?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/7/1/the-determining-factor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1435771771474-YW3TD7CBSFQ5KDP5D3MA/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Determining Factor</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/7/1/mortgage-insurance-for-disaster-victims-203h</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-07-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1435770238439-EDKJHUGNTNMZYYXN8KNK/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Insurance for Disaster Victims (203(h)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/6/19/huds-single-family-handbook-sfh-40001-ready-or-not-begins-91415</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1434738980355-UJYSGMWIKD183K1DTCMZ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - HUD’s Single Family Handbook (SFH) 4000.1  Ready or not begins 9/14/15</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/6/11/a-loan-modification-programs-limited-reach</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-06-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1434056752320-NKHSB0G9A7W6OMMUYXFG/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - A Loan Modification Program’s Limited Reach</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/6/1/its-more-than-2-years-since-hurricane-sandy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-06-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1433184187930-51APJF97TNURW93F22H4/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - It’s more than 2 ½ Years since Hurricane Sandy</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/5/16/is-there-a-zombie-house-near-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-05-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1431741250957-AJS9A027RHVUKJQ9JY30/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Is there a “Zombie House” near you?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/5/9/hud-delays-the-implementation-of-the-sfh-40001</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-05-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1431132231658-I279LR5XNCMSKW14Q7Y2/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - HUD Delays the Implementation of the SFH 4000.1</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/5/2/hud-makes-significant-changes-to-its-distressed-asset-stabilization-program-dasp</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1430525898322-IPZWVQQC4CBS1T6ZXNDZ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - HUD Makes Significant Changes to its Distressed Asset Stabilization Program (DASP)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/4/25/mortgage-insurance-7-things-a-consumer-needs-to-know</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1429912395837-1P594FZVUFNUPOSLBLL6/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Insurance – 7 Things a consumer needs to know</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/4/18/the-top-10-closing-costs-and-underwriting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-04-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1429284196571-DCROYTDMN6R769UA57XA/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Top 10 Closing Costs and Underwriting</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/4/11/fha-revitalization-area-sales-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1428715401743-THUH4AFKBYE83V8HVL15/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Revitalization Area Sales Program</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/4/11/are-there-any-non-qm-loans-out-there</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1428714842143-CSPLHVNFGO4E3A74VMQ4/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Are there any non – QM loans out there?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/4/7/the-prudent-underwriter-ratio-analysis</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1428335453742-PE5MVWEGJD6IECVMZRAY/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Prudent Underwriter: Ratio Analysis</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/4/7/mortgage-shopping-and-credit-scores</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1428334417060-WJL7E9X1MWC440OZ531N/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Shopping and Credit Scores</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/4/7/looking-to-buy-your-first-home-start-saving-now</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1428334167035-WTO36JRO7NM8EO2YWUE2/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Looking to buy your first home? Start Saving Now!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/3/28/super-storm-sandy-victims-still-victimized</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1427516360188-TH6ZXV1WLUT7YBHLPW4V/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Super Storm Sandy Victims Still Victimized</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/3/24/the-fha-market-is-shrinking</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1427129232683-HGMFORVOWM0NOYLW9TZI/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The FHA Market is Shrinking?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/3/24/home-affordable-modification-program-hamp</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1427129066862-ICONJU5AGZEQPJ9SI7WR/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Home Affordable Modification Program (HAMP)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/3/24/the-fha-203h-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1427128873966-HLAZKI4NVZQ4SRLTICHN/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The FHA 203(h) Program</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/3/17/commission-income-examined</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1426607696830-66HK6E1T4CBENC76DQ41/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Commission Income Examined</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/3/17/us-housing-regulator-proposes-rules-for-nonbank-mortgage-firms</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1426607039548-TOYBSIA39IOGMO0L1WRE/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - US Housing Regulator Proposes Rules for Nonbank Mortgage Firms</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/2/25/the-self-employed-borrower-breakdown</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424901273403-RN9XIDKGQAXATWCTR182/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Self-Employed Borrower Breakdown</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/02/13/can-you-buy-your-first-home-bad-credit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424985510291-5ELXZ456I65Z8LJL93PQ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Can you buy your first home with bad credit?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/02/06/setting-goals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424989776950-GBPBH7V6GLUD4HS5V2FO/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Setting Goals</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/01/30/its-been-more-two-years-hurricane-super-storm-sandy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424993477184-706JSJ0LSDEDD5KVAEBK/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - It’s been more than Two Years Since Hurricane (Super Storm Sandy)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/01/23/who-are-customers-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424994854510-KWB30NLP9260D6X7JFZ1/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Who Are Customers? Part 3</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/01/16/subprime-mortgage-loan-coming-back</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425056221798-Q5TDWXAW527DTAAGWV51/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Is the Subprime Mortgage Loan Coming Back?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/01/09/becoming-contract-loan-processor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425057004981-3YK45FCN04BTU2H47J6R/sg.jpg</image:loc>
      <image:title>LIBRARY - Becoming A Contract Loan Processor</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/contactmortgageprocessororg</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425059296342-UJ61Z9C4J5IXS81VOVME/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Fraud Hurts Everyone</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/12/19/usda-understanding-new-7-cfr-part-3555-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425060299220-Z6Z9GTLKI4HYGQODDTTZ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - USDA: Understanding the New 7 CFR Part 3555 Guidelines</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/12/12/right-rescission-and-your-refinance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425061596796-GF1TN2DNPKQAV6X8ENBD/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Right of Rescission and Your Refinance</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/12/05/dealing-negativity-workplace</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-02-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425062398832-XAB5LBBEJCI5HH7MYTVE/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Dealing With Negativity In The Workplace</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/11/14/relaxed-underwriting-whats-lender-do</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425064954535-O2SYWJMVKFY6TG3N00C7/Gm.JPG</image:loc>
      <image:title>LIBRARY - Relaxed Underwriting: What’s a lender to do?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/11/07/viewing-managers-our-customers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425067071396-K299W6FK6NVMQ0BKA1KW/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Viewing Managers As Our Customers</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/10/31/mortgage-discrimination</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425068240512-YX9KJXI9JVA4IIMR261P/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Discrimination</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/10/24/hidden-income-sources</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425069169414-VLC82TVWQ6Y9C810D1TK/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Hidden Income Sources</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/10/17/hard-money-lenders-fear-more-controls</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425069872801-NT8H0F8MM0SP4FVFWKA2/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Hard Money Lenders Fear More Controls</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/10/13/underwriting-rental-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1514942580493-RTO8XFWPS0DF3OO9YQPZ/frankie.jpg</image:loc>
      <image:title>LIBRARY - Underwriting Rental Income</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/10/03/fha-eliminates-prepayment-payment-penalty-and-makes-changes-arms</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1514950847572-GXXGFEL80VE31YD2GWLX/glenn.jpg</image:loc>
      <image:title>LIBRARY - FHA Eliminates the Prepayment Payment Penalty and Makes Changes to the ARMS</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/09/26/property-condition-considerations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425075304712-SYEJ7G1BTX345HFTDWCC/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Property Condition Considerations</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/09/19/indemnify-please</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425317286827-BDW13S0SYSVVWOH5CQI4/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Indemnify, please!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/09/12/credit-documentation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425317705105-QI8K8A6PZRSKDW7PS4C6/fl.jpg</image:loc>
      <image:title>LIBRARY - Credit Documentation</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/09/05/august-1-2015-new-forms-required</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425318789921-GK5VR2TT3KZYHSUJ5YPK/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - August 1, 2015 – New Forms Required!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/09/02/underwriting-findings</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425319207555-JG4FZAZ1ITQQ59CGV29U/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting to the Findings</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/08/21/reverse-mortgage-misconceptions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425319833619-JJ4ZVNPV5IKH2SSB9B63/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Reverse Mortgage Misconceptions</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/08/15/du-version-91-updates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425320237808-WQQILQCCNJ2AAOAQ1EMQ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - DU Version 9.1 Updates</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/08/08/are-there-any-non-qm-loans-out-there</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425320896403-L38R2GDHMCNYKTS9W03G/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Are there any non – QM loans out there?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/08/01/quality-vs-production</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425321292975-FXZKS6I38LLG912MCTGL/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Quality Vs. Production</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/07/25/three-states-high-foreclosure-inventories</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425321913030-ANWCKRY84SL0PHOWHB38/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Three States with High Foreclosure Inventories</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/07/12/hurricane-sandy-victims-dont-be-victimized-again</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425495069425-HXPL9AURL2VP3M3RRJRV/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Hurricane Sandy Victims Don’t Be Victimized Again</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/07/11/its-getting-more-difficult-self-employed-borrower-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425322672374-6UE3G263J0D4Z8HPC5S7/NEW_NAMP_LOGO_Resized.jpg</image:loc>
      <image:title>LIBRARY - It’s getting more difficult for the self-employed borrower to qualify</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/06/27/national-mortgage-settlement-helping-borrowers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425329443505-GZC5WV4A1XBOJ1VNSGCG/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Is the National Mortgage Settlement Helping Borrowers?</image:title>
      <image:caption>   </image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/06/20/packaging-loan-non-delegated-pmi-review</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425332493808-CG9EXP8EIL95I3EJ7606/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Packaging a Loan for Non-Delegated PMI Review</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/06/13/credit-unions-and-mortgages</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425333101444-DUE5GWWSXVDPTD74ZWWZ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Credit Unions and Mortgages</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/06/06/using-non-taxable-income-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425333846128-XH1XVZWV3R6Q7H7GR917/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Using Non-Taxable Income to Qualify</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/05/30/score-score-or-it</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425334403009-A947QFJJAX9D09YI4NH7/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Score is the score or is it?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/05/23/appraisal-rebuttals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425335264815-434XL4XD1AA4ZPN7VNVO/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Appraisal Rebuttals</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/05/16/there-new-employee-benefit-will-assist-you-buying-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425335819422-WWHYORBZLK7BMAGFAVKY/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - There is a New Employee Benefit That Will Assist You in Buying a Home</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/05/02/my-home-gets-me-bundle-back-irs-and-state</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425337408819-FYXOD4JTXHUQG5N3M5U7/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - My Home Gets Me a Bundle back from the IRS and State</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/04/27/whats-signature</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425337789944-FZE4B9HLFG1GFSC8YY66/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - What’s in a Signature?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/04/18/bi-weekly-mortgage-programs-will-you-pay-your-mortgage-faster</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425338346530-NK9ESLK07EWAENS8257X/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Bi – Weekly Mortgage Programs - Will you pay your Mortgage off faster?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/an-introduction-to-rural-housing-developments-guaranteed-rural-housing-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425338780307-TVXBH0F3132WLQYZFCYW/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - An Introduction to Rural Housing Development’s Guaranteed Rural Housing Program</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/03/29/will-adjustable-rate-mortgage-and-interest-only-mortgages-increas</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425339429930-P999Y14KA8FIO1D0N1EL/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Will the Adjustable Rate Mortgage and Interest Only Mortgages increase in popularity?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/03/22/making-most-underwriting-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425339845314-SZAA24HOSG5KY6T3BMB9/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Making the Most of Underwriting Guidelines</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/03/15/out-old-new</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425340367224-RHBBT9TD4SGUD4LD14JS/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Out with the old in with the new?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/03/01/what-lender-do</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-02-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425341021719-8PNDSUETV68XQTVOQQ99/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - What is a lender to do?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/02/22/interviewing-techniques-mortgage-professionals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425341639616-VHAQKX4PPZKKFRUNMNH7/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Interviewing Techniques for Mortgage Professionals</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/02/14/8-things-can-kill-mortgage-loan-approval</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425403332215-PX0HPPAJ6RPQD0G9BBLY/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - 8 Things that can Kill a Mortgage Loan Approval</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/02/07/updates-fannie-mae</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425403706241-SOP0UBCAUVXR6FOYT09Y/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Updates from Fannie Mae</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/01/31/flood-insurance-premiums-are-going-and-elevation-certificates-are</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425404264888-3EOFQW54HTY2Z6NWJSLY/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Flood Insurance Premiums Are Going UP and Elevation Certificates are Bringing them down!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/01/24/show-your-work</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425404642803-62GNC7E8KA2HG1OZTD0M/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Show Your Work!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/01/17/distressed-asset-stabilization-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425405173387-A59KRD2K0JV0SPAKPNV9/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Distressed Asset Stabilization Program</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/01/10/re-defining-underwriting-role</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425405487141-93WV5C9JA0Q15SLEPT08/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Re-defining the Underwriting Role</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2014/01/03/if-you-had-taken-libor-arm</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425416590078-MYN396STNMC88BWWWQVR/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - If You Had Taken A Libor Arm!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/12/27/tips-clean-closing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425421400635-YYWZRF6IAIMJSA513UGN/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Tips for a Clean Closing</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/12/20/presidentially-declared-major-disaster-area-super-storm-sandy-203</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425488899605-F569BVLCTD18DUB2AMJX/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Presidentially Declared Major Disaster Area Super Storm Sandy for 203(K) Insured Mortgages</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/12/13/consumer-financial-protection-bureaus-new-rules</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425489100985-4SX7QFP1D043CKFIR544/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Consumer Financial Protection Bureau’s New Rules</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/12/06/title-i-home-improvement-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425489295375-IA6LCWCIK8TEDAEVEOHW/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Title I Home Improvement Loans</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/11/08/employer-giftsgrants</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425490355224-YZKRUCKPO0RXQ0F8UHV6/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Employer Gifts/Grants</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/11/01/tips-organized-work-space</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425491003424-OS76IJHOVETED8UNAGST/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Tips for an Organized Work-Space</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/10/25/how-increase-your-credit-score-easily</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425491178763-FLLF23AC3GKXYY8W8R5W/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - How to increase your credit score easily</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/10/18/subordinate-financing-tips</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425491406670-0CPZT3D09Z5WPBMT7JVC/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Subordinate Financing Tips</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/10/11/fha-moving-more-manual-underwriting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425491624728-CFLNE0BV7Y6ZKLLU4GPM/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The FHA is moving more to Manual Underwriting</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/09/27/who-blame-mortgage-meltdown</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425492605152-B8IPR8N489UBWF65ACJM/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Who is to blame for the mortgage meltdown!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/09/20/calculating-wage-earner-income-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425492770640-IQZPXTI4IV0HBQSC02R7/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Calculating Wage-Earner Income - Part 2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/09/13/will-these-recent-fha-changes-do-anything</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425492943206-P2TA8N8XT3LS3ERLUSTR/Gm.JPG</image:loc>
      <image:title>LIBRARY - Will these recent FHA Changes do anything?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/08/30/calculating-wage-earner-income-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425493128566-DTKPWM195AP151FUSOIU/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Calculating Wage-Earner Income - Part 1</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/08/23/interest-rate-factor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425493285849-1L9C4AVLVHVCAU1P5M06/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - That Interest Rate Factor!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/08/16/credit-review-helpful-hints</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425493593046-KVFYRKA7N2N6C6YUIK9L/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Credit Review Helpful Hints</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/08/09/rising-interest-rates-can-we-still-close-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425494312501-FLWSKRE866PKY18JAISN/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - With Rising Interest Rates Can We Still Close Loans?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/07/26/good-neighbor-next-door-sales-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425494515708-PD4XYC37W57PRRE6NP0N/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Good Neighbor Next Door Sales Program</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/07/19/best-practices-written-verifications-employment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425494823515-X3Y4K352AEX2IJOSVK8B/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Best Practices: Written Verifications of Employment</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/07/05/best-practices-data-integrity-aus-findings</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425495257534-YPL23CSFMDKBUPWRQIZY/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Best Practices: Data Integrity &amp; AUS Findings</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/06/28/are-you-entitled-fha-refund-or-share</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425495436847-306I634FWFHKH1BCR678/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Are you entitled to a FHA refund or share?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/06/24/best-practices-reviewing-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425495671951-14OGW1FKCFB1ZE0CVJVT/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Best Practices: Reviewing Guidelines</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/06/14/there-1031-exchange-your-future</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425495874137-E547BOVYE8MHA1151HV9/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Is there a 1031 Exchange in your future?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/05/31/fannie-mae-and-freddie-mac-blinked</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425496068829-3REIX5CDFE7AGBHVR2FC/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Fannie Mae and Freddie Mac Blinked?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/05/17/are-points-deductible</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425496426159-BR5ROJG509BBB9E3YCNT/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Are Points Deductible?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/04/26/do-math-and-be-observant</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425496982409-10QXN3MC9OCJJ84UJV4R/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Do the math and be observant!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/04/19/seller-concessions-close-transaction</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425497100277-790JIGJR3HVL18AQT656/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Seller Concessions to Close the Transaction</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/04/06/demystifying-credit-scoring</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425497335052-ACLJH0Q12SWV6BU9M20A/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Demystifying Credit Scoring</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/03/22/energy-efficient-mortgage-program-eem</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425497774474-J085B4JGXRGVFUZEAZ8I/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Energy Efficient Mortgage Program (EEM)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/03/08/dodd-franks-qualified-mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425498246137-JQSU8Y3MAWYCYJB4G5BI/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Dodd-Frank’s “Qualified Mortgage”</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/02/22/latest-craze-employer-assisted-grants</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425498451914-U234COLUORFP9RKH2C9W/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Latest Craze Employer Assisted Grants</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/02/08/just-few-reminders</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425498851578-CSWID204DTZKG25OM6K9/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Just a Few Reminders</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/02/08/fha-refinances</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425498662486-FDSSJGOMNM3J4F23QWHQ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Refinances</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/01/25/new-fha-requirements-will-help-less-mortgage-delinquencies</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425499091182-0I1S5MPGRET1XRIMT53Q/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - New FHA Requirements will help less Mortgage Delinquencies</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/01/18/qualified-mortgage-here</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425499539504-6GAOKMN5NZ8PBAEJY9T4/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - 2013/01/18/understanding-hud-reo-part-two-reo-appraisal</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/01/18/understanding-hud-reo-part-two-reo-appraisal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425499307578-MAE4A7U1H2R4JE8ADK9W/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Understanding HUD REO-Part Two: The REO Appraisal</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/01/16/how-read-credit-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425499730227-ZZI438WZXUBRNAC3T83P/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - How to read a credit report</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/01/11/assets-requirement-underwriting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425499903991-U66V0EOI8ZAT9DF5A4S0/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Assets Requirement for Underwriting</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2013/01/04/kicking-new-year</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425500145695-X8Q1BJAYOVTEO4BH9XIJ/dg.jpg</image:loc>
      <image:title>LIBRARY - Kicking Off the New Year</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/12/28/modification-shortsale-deed-lieu-or-forclosure-what-best-route</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425500363009-I1ARE9UYP5IXR2PF8X5C/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - MODIFICATION, SHORTSALE, DEED IN LIEU OR FORCLOSURE, What is the best route</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/12/21/condo-assessments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425500592774-599IVSLVC1WO53FEOJLT/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Condo Assessments</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/12/14/what-steps-required-keep-borrower-happy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425500829302-UH7FTAZED5YCRGA2E5IJ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - What Steps are Required to Keep the Borrower happy</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/12/07/season-time-management</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425501080279-A96QRON0QXCU9L1028XX/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Season of Time Management</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/11/30/meaning-subordination-agreemnt-and-time-it-required</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425501316068-SL1QUJS509F6BD9LLAHM/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Meaning of SUBORDINATION AGREEMENT and Time it is required</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/11/23/overcoming-common-processing-blunders</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425501745498-FVPC0DKBKCD7NGGC0808/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Overcoming Common Processing Blunders</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/11/23/disaster-area-inspection-and-repair-requirements-closing-endoring</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425501571395-3ENVVP0XFJ9BZ7D39T1J/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Disaster Area Inspection and Repair Requirements for Closing, Endoring/Insuring FHA Loans</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/11/16/mortgage-activity-sees-growth-after-hurricane-sandy-fannie-mae-he</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425501978907-INN9D1ZY087D082N8MKX/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Activity Sees a Growth --- After Hurricane Sandy Fannie Mae Helps the Victims---An Encouragement</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/11/09/understanding-credit-reports-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425502350319-UFZYHPIZM0MBUV4FI1GX/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Understanding Credit Reports Part 1</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/11/09/private-mortgage-insurance-cancellation-part-three</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425502167892-Q6XQ171910TY1YKIXZON/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Private Mortgage Insurance Cancellation-Part Three</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/11/02/how-handle-daily-processing-loan-files</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425502589855-CICJ8F4G1P4UDLKDZ21M/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - How to Handle Daily Processing Loan Files</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/10/26/hud-section-8-homeownership-voucher-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425502944701-37YCU4J5GJ64KCZXGRSC/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - HUD Section 8 Homeownership Voucher Program</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/10/26/private-mortgage-insurance-cancellation-part-one</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425502790637-K0TGTLQYKVEMKQMHFRFE/ss.jpg</image:loc>
      <image:title>LIBRARY - Private Mortgage Insurance Cancellation-Part One</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/10/19/basics-tax-returns-analysis</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425503150000-FYQ56WFDVUYWD61O73HS/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Basics of Tax Returns Analysis</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/10/12/review-appraisal-first-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425503309381-CEN2YZRCHZ0WH8ZDHGEF/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Review the Appraisal First! (Part 2)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/09/27/10-commandments-mortgage-financing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425503575599-JL7XW0G089WFUQXX8E4V/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The 10 Commandments of Mortgage Financing</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/09/21/why-do-clients-cancel</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425506611820-4OTEVBNAXEIMHCNHVMZ7/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Why do clients cancel?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/09/21/better-processing-and-quicker-closings-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425503753492-XPJ04PT3ZD9FAN5FC6WQ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - To Better Processing and Quicker Closings (Part 1)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/09/14/three-goals-consistent-post-closing-audit-success</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425506919835-N1KHZOPVCVEGOIJFLANF/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Three goals for consistent post-closing audit success.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/09/07/ptd-ptf-add</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425508134127-XVGV62N331HLXA975ISI/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - PTD, PTF, A.D.D</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/08/31/build-your-confidence-and-increase-your-income-process</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425511181713-13OKS3L2QVYVVCMO6BJK/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Build your confidence!! (and increase your income in the process)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/08/24/documenting-disability-earnings-stable-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425513008446-C9ZJ7UE69OXERRHC0HSE/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Documenting Disability Earnings as Stable Income</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/08/24/its-amazing-time-be-loan-processor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425512712034-7MC0TJ0EU92GKC3LR01E/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - It’s an amazing time to be a Loan Processor!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/08/10/meatball-processing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425513278699-ZBIOUBTXD8QTWDL0F2CM/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Meatball Processing</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/07/27/further-due-diligence</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425513755161-463F7HT2YPS91CTQL20S/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Further Due Diligence</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/07/27/fha-appraisal-valuation-part-3-new-construction-cost-approach-faq</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425513549997-TVTVSAMHTZN92FJ8TRYA/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Appraisal &amp; Valuation Part 3- New Construction &amp; Cost Approach FAQs</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/07/13/truth-about-underwriters</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425514069270-UM8BK8AOTNT8IVW8EV4K/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Truth about Underwriters</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/07/13/fha-appraisal-valuation-faqs-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425513925443-SESSYYUH62ZVK5TQ5JMH/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Appraisal &amp; Valuation FAQs-Part 1</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/06/29/total-scorecard-credit-docs-and-appraisal-dates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425514272605-5KL0P0HI1IXJWMF47VDH/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Total Scorecard, Credit Docs and Appraisal Dates</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/06/15/streamline-refinance-transactions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425514981077-7IBHV23FV0HX8AOZGWLS/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Streamline Refinance Transactions</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/05/25/further-analysis</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425516960177-CQHE5J4FMIMMZHT76FR3/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Further Analysis</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/05/11/we-used-call-it-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425517968509-M3ZJX5F0SITL2YUSH5JQ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - We Used To Call It Home</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/05/04/underwriters-prefer-cover-letters</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425518394453-AC698OM5MJ5TK70MV4YL/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriters Prefer Cover Letters</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/04/27/how-do-you-underwrite</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425518549132-ONPOP2WLIF4U04U1QF6B/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - How Do You Underwrite That?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/04/20/clarifications-recently-issued-mortgagee-letter-content</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425520266580-S8294YJ4AWQNEZWMEB2G/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Clarifications for Recently Issued Mortgagee Letter Content</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/04/13/mutual-interest-management-style</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425520875576-VJTY7515W1HHTGR7ZGQ9/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mutual Interest Management Style</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/03/30/harp-20</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425523122462-MRXQZJDKW0KVHRNEN9TB/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - HARP 2.0</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/03/23/rural-developments-refinance-pilot-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425523370630-ZL4XIA6E8R1N4JHP2YTL/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Rural Development’s Refinance Pilot Program</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/03/16/why-we-underwrite-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425524206521-130JGXZP7JOFXUICKTK9/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Why We Underwrite Loans</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/03/09/changes-fha-mortgage-insurance-announced</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425524573991-Q3Y9MR5GXW19193F15VS/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Changes to FHA Mortgage Insurance Announced</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/03/02/return-policy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425524815629-NF80GYEAUO827PX7M9U3/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - A Return to Policy</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/02/24/fannie-mae-learning-plans-training-purposes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425525239176-ULOUCN9IAZRJIYIUF4TW/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Fannie Mae Learning Plans for Training Purposes</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/02/17/providing-qualify-service</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425525695786-F8I2OU3SAI2M3WBFZHIS/bh.jpg</image:loc>
      <image:title>LIBRARY - Providing Qualify Service</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/02/09/new-fha-updated-total-scorecard-user-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425525927722-0EEDGBYUCQEH78HC9L22/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - New from FHA- Updated TOTAL Scorecard User Guide!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/02/03/credit-scores</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425526159847-1X6CAE4YZXEXBRMPS811/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Credit Scores</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/01/26/harping-harp-among-other-things</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425526664925-8OTTNTRZUECSBNRSUM9O/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Harping on Harp, among other things</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/01/26/part-4-annual-freebies-ftc-resources</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425526494872-D85QL2B8VGENUJYW1LLQ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Part 4 of Annual “Freebies” – FTC Resources</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/01/20/credit-qualifying-streamline-refinance-transactions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425526871475-99EXTP6FVCCSEUGGJ5SX/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Credit Qualifying Streamline Refinance Transactions</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/01/13/so-here-we-are-2012</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425527662430-XX96PJF65M9TKRVP3AWT/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - So here we are, 2012</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/01/13/part-2-annual-freebies-va-resources</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425527448494-YIQ44Z6KPUQM1FJB5CZR/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Part 2 of Annual “Freebies” - VA Resources</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2012/01/06/closings-homeownership-counseling</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425527822191-GFUN0N93RCJ2E13B18QF/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Closings by Homeownership Counseling</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/12/30/are-you-ready-new-year</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425528255684-OAAV261ONSVM8HMLW9BZ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Are you ready for the New Year?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/11/18/oil-and-water</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425582604650-NY6C87T0KJH7MM2SA4JJ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Oil and Water</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/11/11/i-am-one-99-therefore-i-am-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425583056601-AJL65HW3XROF7A0OV8YF/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - I am one of the 99%, therefore I am the 1%</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/11/11/scoop-mip-refunds</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425582875759-S28SL8LFLHF3GWYUV9RD/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Scoop on MIP Refunds</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/11/04/knowing-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425583336081-EG9E9HOFCJLEBR4WNILN/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Knowing the Guidelines</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/10/29/it-working</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425583552750-0YMMAUSPL3RH4L529WP5/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Is it working</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/10/07/loss-mitigation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425583768000-762PG0UVJ2KV6U5RV69F/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Loss Mitigation</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/09/30/finally-major-changes-effective-october-1st</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425584466295-91VVL2YHAK60BH2TQ1EM/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Finally-Major Changes Effective October 1st!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/09/23/employment-opportunities-mortgage-industry</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425584716580-GJNOEC7AG6QRKDTDEA6F/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Employment Opportunities in the Mortgage Industry</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/09/16/changes-updates-keep-coming-time-va-funding-fees-changing-october</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425585134775-4SPPNPNOZ2VQWV7EOF2Z/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Changes &amp; Updates Keep Coming- This time- VA Funding Fees Changing October 1!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/09/09/making-homeownership-possible</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425585411418-0943GXE2OW0K05R6UCC4/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Making Homeownership Possible</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/09/02/underwriting-scales-justice</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425585994043-8L6BUE0IG2CQ1291CUIE/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Underwriting Scales of Justice</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/09/02/disaster-declarations-re-inspection-policies</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425585829168-A7XKV83MGAIW63EKZ9J6/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Disaster Declarations &amp; Re-Inspection Policies</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/08/26/streamline-refinance-transactions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425586154296-R0AJ0UZQUQ7CJ9MUZNYD/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Streamline Refinance Transactions</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/07/22/203k-make-special-note</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425587111498-HARI5U7G1R3BTFRQWAXA/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - 203k: Make Special Note</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/08/19/important-tips-and-reminders-refinance-boom</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425586307812-5LLO50RXLA3D7NCA4MZJ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Important Tips and Reminders for the Refinance Boom</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/08/12/real-estate-owned</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425586563734-6MNYLF87GVMTDM4AU6UK/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Real Estate Owned</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/08/05/how-credit-inquiries-lead-competitor-marketing-calls</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425586772027-S1Y82HG13ASMEIBDUT6X/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - How Credit Inquiries Lead to Competitor Marketing Calls</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/07/29/repurchase-request</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425586921760-4SJMK6HD6UV0NT6VHGZW/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Repurchase Request</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/07/15/complete-1003</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425587486392-1GNA7M19ID9GGKM8POPQ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Complete 1003</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/07/15/part-2-fha-updates-condominium-approval-qualification-requirement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425587294079-UWZOQXG01OLWTEQ27YES/ss.jpg</image:loc>
      <image:title>LIBRARY - Part 2-FHA Updates to Condominium Approval Qualification Requirements and Process</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/07/01/are-you-tired-hearing-word-change</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425587901840-AU6CDWKECUJDMQZGRY25/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Are You Tired Of Hearing The Word Change?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/07/01/ofac-searches-loan-applicants</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425587665010-CO9GFE75ZNV79D0T5TVW/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - OFAC Searches for Loan Applicants</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/06/24/consumer-fraud-alerts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425588121510-2XDCIG2H24U8BU4TLOKR/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Consumer Fraud Alerts</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/06/13/shortcuts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425591314209-ZRBJL08LYAALF5768937/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Shortcuts</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/06/13/ethics-when-consumer-credit-involved</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425591036364-2998ZTIZT4L8LH5RT8H1/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Ethics when Consumer Credit is Involved</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/06/06/authorized-user-credit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425593453217-OA7EY965QE2IKKPLUNLY/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Authorized User Credit</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/06/06/203k-underwriting-checklist</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425593268473-HL2B0MM7AYR3L88P3SDS/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The 203k Underwriting Checklist</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/05/30/spirit-underwriting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425593602618-IKTRGA8J2IXK7O6983NC/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Spirit of Underwriting</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/05/27/reading-and-answering-consumer-questions-about-mortgages</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425593961645-1HAASQQGOHKBO2VSB55Z/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Reading and Answering Consumer Questions about Mortgages</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/05/27/foreclosure-fiasco-let-it-serve-reminder-us-all</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425593798946-PAC746LXVG90AZGSCCSQ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Foreclosure Fiasco – Let it serve as a reminder to us all</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/05/23/fannie-maes-delivery-data-check-system</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425594402335-VNGGLUOHIDU0EMP2XARA/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Fannie Mae’s Delivery Data Check System</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/05/23/refi-whys</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425594257525-P9OYF22T43Y1T6CGFZ1S/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Refi whys?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/05/23/fha-then-and-now</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425594108078-O5OB8U7RK19492CHMX3Z/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Then and Now</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/05/17/revision-fhas-annual-mi-structure</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425595121864-Y4RJLO7YL6X7G9MGEZ9Y/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Revision to FHA’s Annual MI Structure</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/05/17/203k-investors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425594577112-98DYX0JVWKYWP4N3KX2D/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The 203K for Investors</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/05/09/grim</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425595604794-0FL9ARRA000KZTO5BR5Q/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Grim</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/05/09/perspectives-origination</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425595437030-CSE1TPLD8C16YWH4PZU7/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Perspectives – Origination</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2011/05/09/hud-issues-formal-guidance-disputed-credit-tradelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425595251945-6K7E367308OC8JZV0REV/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - HUD Issues Formal Guidance for Disputed Credit Tradelines</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/04/occurring-revolutionhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425872008970-RDO4VDJOHYRVLQC07CUO/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - An Occurring Revolution</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/03/tax-transcriptshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425871777778-4QPHYLO0A57BZ2V0H228/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Tax Transcripts</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/10/new-legislationhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425871423186-7G0FZABYWEW8R2HSGYX1/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - New Legislation</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/10/new-rules-unspokenhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425871274191-IR2O6IRV9FKZLNF374YK/bh.jpg</image:loc>
      <image:title>LIBRARY - New Rules Unspoken</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/09/mortgage-letter-updatehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425871075793-G96UCUV59U0O4WYRE33T/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Letter Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/09/validating-total-scorecard-findingshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425870919537-SB8D0INLC444TKBQ7L45/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Validating Total Scorecard Findings</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/09/new-respa-rulehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425870770688-HLAN2MVWZFXWHIA33VB1/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The New RESPA Rule</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/08/going-manualhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425870643021-IWTDYK4HTQJ7JLFCK7C0/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Going Manual</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/08/203k-best-practiceshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425870483787-T71PMR28YT45D6G01UAU/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Training : 203k Best Practices</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/08/relevance-of-bank-statementshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425870310436-5QHX1BYZAN44FGY8O3RW/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Relevance of Bank Statements</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/08/underwriting-accountabilityhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425870111457-NYFTO03RQ6J9LTQA8C7A/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting Accountability</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/07/indemnity-flagshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425869962551-CQQOJCV5V8F645P4TYPC/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Indemnity Flags</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/07/processing-va-loanshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425869808606-L5VKQAGE2HUR5UUK8566/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Processing VA Loans</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090710loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425869644437-0IEPYIKR9N8K829HSUUX/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - NOR Files</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090703loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425869495030-Z510QZC9CXJ3ZCGB9L6V/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Training : Discovering FHA</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090626loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425869356765-2KQOC192K5GFTMEXJZ1C/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Compliance Update</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/06/when-to-downgrade-aus-findings-to-referhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425869204707-1W0BDUBZ0I15LJQLRS6J/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - When to Downgrade AUS Findings to a Refer</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/06/va-cash-out-refinance-transactionshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425869067520-5MDBIRKE4AWI87AFKEC9/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - VA Cash Out Refinance Transactions</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/06/must-know-facts-about-va-mortgagehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425868732039-RXDNVZVDGL27QJ3HLPPN/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - VA News : Must Know Facts About the VA Mortgage Guarantee Program</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/05/where-to-starthtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425868559655-2T11XBS3T7YDWIJP1W4O/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Training : Where To Start</image:title>
      <image:caption>   </image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/05/post-endorsement-technical-reviewshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425868401499-9FNLBWQ5FFXDH931CRQ5/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Post Endorsement Technical Reviews</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/04/acceptable-appraisals-in-difficulthtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425868215622-YR9HZ3SIZLJMBNZSU9MP/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Acceptable Appraisals in a Difficult Market</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090311loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425868057747-93VT5ZIQSW4QYNJ5HWG6/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : Rewriting the Rules</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20080912loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425867642455-JZWBHXWF1MFRUD3EDBBG/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Getting it Straight</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/02/broker-crisishtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425867883456-9MCW5TL6XKILOJA8PMKN/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Broker Crisis</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20080606loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425599080564-ZZVY0VE7GF5DOCW9P1GC/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : FHA Modernization</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/05/no-excuse-for-spiteful-behaviorhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425598733178-OGGKASCX11UKC32AIXWT/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - No Excuse for Spiteful Behavior</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20080523loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425598424603-0TZVCKBPD4Q5OUJD0PGE/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Have Patience</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/05/fha-risked-based-premiumshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425598187784-9IU5Z240FV0CBWNG77B3/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : FHA Risk Based Premiums</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/05/new-guidelines-for-non-traditional09html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425598017534-O1KHP739FQW9DOYCPAEK/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : New Guidelines for Non-Traditional Credit</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/05/have-fun-with-ithtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425597847132-85ENS280E7OMCQSZ5UJX/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Have Fun With It…</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/04/myth-of-manual-underwritinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425597619289-IUV7W09SGRRFH3U2AA2H/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : The Myth of Manual Underwriting</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/04/homeownership-counseling-as-toolhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425597471275-060ZD3W0CT3K6B1OOMYL/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Homeownership Counseling as a Tool</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20080404loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425597309449-5M4DS93653HEOXKSNP5O/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News :: FHA Program Guidance for Increased Loan Limits</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20080320loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425597089007-T5X1E2EHHMT2D3GMROX7/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Training : FHA’s Streamline 203k: A Useful Tool</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/03/underwriting-disparate-lendinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425596942259-FRJUDDEKF3AU3I97DO2N/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting &amp; Disparate Lending Practices</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20080307loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425596798390-XYD9NIJROJ5COPDBZT5J/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Becoming the Troll</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20080228loan-processinghtmll</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425596587666-5QYNO66GS77UEY1SD1HV/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Politics of Mortgage Lending</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20080222loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425596411442-1GT0P4R33OGSTV1HGUPK/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Art of Underwriting</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/02/calculating-incomehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425596260413-2WUDD8GJYIBYNRI5F1OX/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Calculating Income</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/02/fha-does-not-do-jumbohtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425596096676-NMXJFTMVKJVF7C5UMJI7/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Does Not Do Jumbo</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/01/keeping-it-honesthtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425595945718-XBKNIM0ACT6CIKMGDP9E/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Keeping it Honest</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20080123loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425595794997-UL6Z6EGFNVSYZ5HU74NG/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Assessing Financial Behavior</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20081219loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425675839156-CPWZBTR9SDEEVD1GPZNY/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriter Training : Due Diligence</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/12/where-have-underwriters-gonehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425674982007-LVTTXLZFR3RUOALRYMWV/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Where Have the Underwriters Gone</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/11/always-another-reasonhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425673380318-S80TQJSVQ4YR4PKACPKK/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Always Another Reason</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/11/new-rules-under-respahtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425672374902-A8XK1QV20BBHZML9WQUB/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - New Rules under RESPA</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/11/lets-processhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425671892662-RS144ADXMREAE33FD6X3/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Let's Process Mortgage Loans</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/10/fha-cash-out-refinancehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425671421853-SQKSA80C8Z2TP8LV2G09/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Cash Out Refinance</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/10/tricks-with-fha-connectionhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425670983425-CM86PAPOBNGPMFN7D46O/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Tricks with FHA Connection</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20081010loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425666788651-99YWBFQXT4BMGH88NR0F/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Finding Grant Programs</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20081003loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425665993790-NCXG1VZN9V75DIXBMJCB/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : H4H</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20080926loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425664863005-S3APQXZ18Q0U1PYFIAHT/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : Lets Talk Compliance</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/mortgage-loan-processor/2008/09/dumbing-down-fhahtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425664244424-RB0KE49FMEJ1FE2NSSRE/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : Dumbing Down FHA</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20080620loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425662709245-Z7C3TSH5J3M0O8552VR1/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Reviving the Fine Art of Mortgage Processing</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/06/in-case-you-missed-ithtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425662056738-130O849I86S1PDO0U0YS/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - In Case You Missed It</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2007/12/submisson-tips-for-fha-manualhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425874098115-Y0SKEN6F075MOTYEXUGI/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Submisson Tips for FHA Manual Underwriting</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2007/12/fha-mortgage-insurancehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425873417082-1UPV5HJSUEA7GLK2CEHQ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Mortgage Insurance</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/mortgage-processing-newspage43</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425873087240-XHZ8GEU0RBYJQHO6W15B/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Fraud Blog-Part 3- The Importance of Processor Knowledge</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2007/07/mortgage-fraud-part-2-impacts-of-fraudhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425872787366-SAS8TY25P9860IX3LMJ1/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Fraud Part 2: The impacts of Fraud</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20070704mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425872596675-NF7Y71BU6JCV11E5PF9W/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Fraud Part I: Definitions and Types of Fraud</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20070703mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425872416141-CA7DX3EPTS3TB77VP013/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Fraud - Introduction of a Multi-Part Series</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2006/11/what-does-mortgage-loan-processor-dohtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425872251690-FIUOZYZ9G7OYCVWVGJ6W/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - What Does a Mortgage Loan Processor Do?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/mortgage-loan-processor/2008/08/becoming-direct-endorsement-underwriter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424724862117-AMFIHE4PX1CZOZ5QZ5IJ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Learn How to Become a FHA Direct Endorsement DE Underwriter</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/11/fha-condos-right-of-first-refusalhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425938067410-FQ4HIITOPXPXEZK22JID/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : FHA Condos &amp; Right of First Refusal</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/11/lets-talk-about-hera-tax-credithtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425937388203-J938LATVOJMWMP6IVOEN/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : Let’s Talk about the HERA Tax Credit</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/11/moving-back-to-futurehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425936110826-YUWLHQXL4PZUZNED2RR8/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : Moving “Back to the Future”</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/3/10/loan-processor-the-importance-of-red-flags</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425935650537-WOVFI7WMOUKFK5NLQNFX/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Loan Processor : The importance of Red Flags</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/2/18/what-does-a-mortgage-loan-processor-do</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424705918898-JLUY4O1NTRKM8Y5E3HTX/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - What Does a Mortgage Loan Processor Do?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2015/3/10/ittpv9i5a05c5svwe9o5xuja26kl44</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425933059901-6U4C8K0ODD6W99M098K3/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Importance of Validating the Seller’s Identity</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20081010mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425931033566-GJ3X7W4D91QP5RN4VMJA/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Hope for Homeowners- Does it give US any hope?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20081003mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425929199926-X5KZN0TWER40T6LTTH97/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Standard FHA Processor Duties-GSA checks</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20080919mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425928860254-UBCTZIXAYIYUNKZ1F3ZC/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Analyzing Risk when a “Loophole” is Present</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20080915mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425928426297-MXZ5GI1NNUW8ANNIJJYR/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA- Busy New Week!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/09/fha-mortgage-insurance-cheat-sheet-forhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425928196737-85K27QX0PDZDXE38ZX1W/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Mortgage Insurance "Cheat Sheet" for Originators, Processors and Underwriters</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/08/status-of-downpayment-assistancehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425927982678-74WF21LZ072HFS2881MS/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Status of Downpayment Assistance</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/08/resolving-failed-borrower-validationshtmlcd1hlenctclnkglph</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425927563491-1XELTMTVNXFD0DXLOT2F/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Resolving Failed Borrower Validation</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/08/va-training-tipshtmlcd1hlenctclnkglph</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425927790961-5HL38MYPGTY5I982S6GM/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - VA Training Tips</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/07/review-of-recent-fannie-maehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425904098048-0VFRXO615MVZCNT3RFXQ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Review of Recent Fannie Mae Announcements</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/07/power-of-attorney-in-mortgagehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425903514857-SC19QYVLETVKU36UC8T0/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Power of Attorney in Mortgage Transactions</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/07/borrower-identification-and-citizenshiphtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425903158801-6YVSUN8SSSCYMSZ1JDTD/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Borrower Identification and Citizenship Verification Requirements</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/06/interview-preparation-and-planning-tips19html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425902677676-TBO20KO7AP51RIBJ7BOP/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Interview Preparation and Planning Tips Part Four: The Training Plan</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/06/interview-preparation-and-planning-tips12html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425902504537-VLSYZ1J4X4KGF731KVKK/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Interview Preparation and Planning Tips Part Three: Underwriter Interview Questions</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/06/interview-preparation-and-planning-tipshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425902361100-6DGT0SPEZPPPA8DQOK7K/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Interview Preparation and Planning Tips Part Two: Creating Interview Questions and Script</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/05/interview-preparation-and-planning-tipshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425902166872-95U6WKR6XHSEXS60RNFR/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Interview Preparation and Planning Tips Part One: Create a Written Job Description</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/05/hud-announces-acceptance-of-advances-onhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425901992144-Z4UVE3PN38JI92HZTJDL/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - HUD Announces Acceptance of Advances on the $8000 First-Time Homebuyer Tax Credit – BUT then retracts within 24 hours</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20091030mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425901035996-835WJJBIQH86QVMVF6GQ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Another Delay to Condo Changes- Let us all be Thankful!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090626mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425902898285-FZCY95UFJOF8CY5BLK73/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - What Is OFAC? What To Do When you Get An OFAC Hit</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/07/submission-cover-letters-forhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425898122639-KDPFI63ROUMYL9OZHGZD/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Submission Cover Letters for Underwriting</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/11/written-by-stacey-sprain-certifiedhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425876213682-MSKVOGU0BZHC2436ASO6/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : HUD Issues Final Condo Policy Decisions</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/11/updates-on-fha-condominium-changes06html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425876033777-K9LTB5P1R6YGDOWSYSOM/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : Updates on FHA Condominium Changes</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20100326mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425875676906-WCTJ3MZCEBGJQVHT2MGQ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Processor and Underwriter Licensing Requirements Under HUD’s S.A.F.E. Act</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/04/big-news-national-flood-insurancehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425875494077-NTWSWQ6Q87RZQMJKHE0F/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : National Flood Insurance Program Authorization Expires!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/04/lots-of-action-on-fha-with-newhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425874978617-KBS41TF44SF1NJPEM2V4/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : Lots Of Action On FHA With New Mortgagee Letters And On Capitol Hill!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20081227mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425866899745-REZOT6DMR99PLPTVHCJO/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - What will 2009 Bring in the Housing Industry?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090302mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425866176928-VBDTT7N1WTG2UGY4VB03/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA/HUD Engineering Certificates for Manufactured Housing</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090612mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425865982799-HDVEZ2AJ0OX9XKS48YDP/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Who is FHA? When and Why Did They Get Into Mortgage Insurance?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090109mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425865739721-QVWCZ9ZB7VFKSQJ2Y0A7/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Streamline Modification Program</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090605mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425865530914-6N85B88DY5KYQW9MOTVD/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Who Can Certify a Permanent Foundation on Manufactured Homes?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/05/grh-another-niche-opportunity-forhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425918093316-PJ4W2IKQB8AXJWBT2W7V/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - GRH- Another Niche Opportunity for Processors</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2008/05/compensating-factors-for-fha-manualhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425917788230-BIQRR1BZ34H6GYUPCTT3/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Compensating Factors for FHA Manual Underwrites</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090511mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425901845726-HXT11CVYLATCTYC4R6S6/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Importance of Credit and the Role it Plays in Mortgage Qualifying- Part V: The Fair Credit Reporting Act (FCRA)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/05/finally-updated-hud-handbooks-withhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425901691181-Y2GTAE91O4SCJFPFJUZU/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Finally - Updated HUD Handbooks with CURRENT Guidelines!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/04/importance-of-credit-and-role-it-plays26html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425901492578-GEUFXPV5RNGLQZBR7D8W/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Importance of Credit and the Role it Plays in Mortgage Qualifying - Part IV: Credit Repair</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/04/importance-of-credit-and-role-it-plays20html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425901355158-VO4STFHDW43GYAQ88I8J/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Importance of Credit and the Role it Plays in Mortgage Qualifying- Part III</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/04/importance-of-credit-and-role-it-plays11html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425901227184-VZA6L069K6IM8FFVKW4Z/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - The Importance of Credit and the Role it Plays in Mortgage Qualifying - Part 2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20091022mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425900859570-EEEDIIZZQBSH7BEOD6K6/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - HUD-Helpful Changes and Updates</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/10/fha-case-and-appraisal-transfers-whathtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425900726817-X11Y78G16QSKX5OQUTRK/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Case and Appraisal Transfers- What HUD Doesn’t Tell You That You Need to Know!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/10/mortgagee-letters-in-reviewhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425900565260-8K6NTC82GQ0DBJXLIBZR/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : Mortgagee Letters in Review</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/09/fha-appraiser-requirements-effectivehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425900412014-Z1ZIKRXGBRCZV7GSTHOE/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Appraiser Requirements Effective October 1st</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/here20is20no20question20about20it-20fico20scores20and20credit20requirements20have20moved20to20the20forefront20of20lending20guidelines20and20unfortu</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425900234035-O34WLA3XO353FGMWZIHZ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting News : The Importance of Credit</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/08/review-of-fannie-mae-homepath-financinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425900101317-LY414KPAVJAMZ3N4HRJE/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Review of the Fannie Mae HomePath Financing Program</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/08/truth-in-lending-prepayment-penaltyhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425899981346-E2L6JGIHF5LIGBXQNKSD/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Truth-in-Lending Prepayment Penalty Disclosure for FHA</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/08/calculating-incomehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425899797133-A67SKMK5C3K3S8ZBI1Z3/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting Training : Calculating Income</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/08/verbal-employment-verificationhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425899197039-IGWGX6EA9DS6MCB16ZZV/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Verbal Employment Verification Requirements</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20100212mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425897088716-LMUNUI7J85SEZ1HQUPUV/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Training : Helpful Tips on Calling the FHA Resource Center</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20100205mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425896252404-8EN5PBYPISNIM4J2C2K2/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Important Information about IRS Tax Transcripts for Income Verification</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/01/fha-changes-active-start-to-new-yearhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425896061603-Z0V6QXANBFM7OYGQEEDT/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : FHA Changes-An Active Start to the New Year</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/01/big-news-big-changes-from-hud-for-fhahtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425895054865-2MIP442HESXKH7JGX8KJ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : Big News- Big Changes from HUD for FHA Lending!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20091211mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425892460901-8CQMT56LPGV3ON0BU129/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - BIG News! HUD Announces Acceptance of Appraisal Form 1004D for Value Recertifications!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20091125mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425891833108-7CW3L68W3ZTX1YITCD1Z/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : HUD Lightens Up on FHA Second Appraisal Requirements</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090619mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425864646850-BESRFHB6AKQZ0Z689S4T/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Reforms For American Homeowners and Consumers</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090703mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425864474732-YQ88AI6FA28HB0AYL2G4/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Getting the Latest News from HUD</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090724mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425864327014-KB8TUUDPB3LVDTBDJ5QO/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Home Inspection vs. Appraisal</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/03/becoming-underwriterhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425864151286-M1TX81VX8H5SRPP0T7CG/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting Training : Becoming an Underwriter</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090814mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425863953198-KDRSQJUGSBXNVEPG7CUY/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Streamline Refinances</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090828mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425863758548-7R3U9M9SIML7ENVAS7GT/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - How to Try and Avoid Foreclosure</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090904mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425863617541-94CMAWVO9CR2QO3VHJNC/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Basic Mortgage Application Data</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/05/fha-refunds-are-still-availablehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425863405197-W279AS1OPDWS8S94AQN7/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : FHA Refunds Are Still Available</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20090918mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425863243340-TVQDT2L7HADPQ1V3A8ZQ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Who is FHA? When and Why Did They Get Into Mortgage Insurance?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/10/back-to-understanding-basics-part-1-ofhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425863071527-8Y95X9TQ7G85Z9W1OWU4/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting Training : Back to Understanding Basics – Part 1 of 3</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/outsource-mortgage-processing/2009/12/self-employment-made-easy-part-2-of-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424705734907-CLCQ75BDI1V5TDATKZLJ/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Loan Processor Training :: Self-Employment Made Easy – Part 2 of 2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/10/fhas-reverse-mortgages-for-seniors-parthtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425841124406-DE9BMPIT2K18HG5QTCST/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Training : FHA’S Reverse Mortgages for Seniors – Part 1 of 2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/11/fhas-reverse-mortgages-for-seniors-parthtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425840954736-LSK93KHPRC2MW5JMPRXF/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Training : FHA’S Reverse Mortgages for Seniors – Part 2 of 2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20091112mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425840795834-C0F4QNQO7TXMZZ7D89HM/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Fraud Awareness - Part 1 of 5</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20091120mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425840650080-ADQTHS6KQIQ2YJ5NTK8Q/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Fraud Awareness - Part 2 of 5</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20091125mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425839749831-30N879IRVRYXPI1O540W/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Fraud Awareness - Part 3 of 5</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20091204mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425839489657-WIELIT0UXPIEI3E17F2M/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Fraud Awareness – Part 4 OF 5</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20091211mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425838816193-XG2LZ2RV5GTVS6SR3XU8/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Fraud Awareness - Part 5 of 5</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20091218mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425838382094-NGK70YMVI74IO96093L3/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriter Training : Self-Employment Made Easy – Part 1 of 2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/12/self-employment-made-easy-part-2-of-2html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425837923371-UIP7XRVLTDUIM0P87MFB/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Loan Processor Training : Self-Employment Made Easy – Part 2 of 2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/01/summary-of-hr-1728-part-1-of-2html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425837742561-C81N0XX6RSURZK0R8ZZX/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Training : Summary of H.R. 1728 - Part 1 of 2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/01/summary-of-hr-1728-part-2-of-2html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425837543997-V91ANZSXTX9UQBWGRWR5/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Mortgage Training : Summary of H.R. 1728 - Part 2 of 2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20100115mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425837057007-OPMLZ0CAFQT04N8WS7DO/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Reforms For American Homeowners and Consumers</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/08/hope-for-homeownershtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425836739860-TX5XJ3FP3RHI1VBD4SIS/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - HOPE for Homeowners</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20100126mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425836537017-6S88MNSYHPW0954NZB5A/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Shipping Containers Used for Housing</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2009/10/plain-vanilla-home-loanshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425836341390-XXZZCO6WE4PTQ03DL0MS/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting Training : Plain Vanilla Home Loans</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20100212mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425836134852-NUV2G1H556S3U1TX71NU/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - First time Homebuyers - preparing for the American Dream</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/02/written-by-jane-harford-fha-dehtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425835941620-AJI64USSYTSCHKY8AYAN/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting Training : Good Faith Estimate Changes</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/02/good-faith-estimate-changeshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425835783116-48PBTNHFDN6KIXMRPG50/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting Training : Good Faith Estimate Changes - Part 2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/03/good-faith-estimate-changes-part-3html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425835582925-6UDRJM6RYHJRVVUQNVSL/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting Training : Good Faith Estimate Changes - Part 3</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/03/fraud-why-we-are-scaredhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425834990716-WCYGZ5DDZIKIH92BI82I/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Fraud-Why We are Scared!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/03/fraud-schemeshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425834764685-LWW0VLVPS65GKD2MKG33/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Fraud Schemes</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/03/fraud-schemes-part-326html</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425834446654-390CK4O22L5ISQEJOPS4/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Fraud Schemes - Part 3</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/04/fraud-schemes-appraisal-issueshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425834256308-PTDY7LXBVZLWJQMRCHSL/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Fraud Schemes &amp; Appraisal Issues</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/04/stick-to-your-guns-when-you-think-youhtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425834070772-PWVEZHNNYQGPQ1ZVSF1I/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting Training : Stick to Your Guns When You Think You are Right!</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/04/closing-and-contract-fraud-schemeshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425833765952-SM4K0BBP6ECGB572WUT4/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Closing and Contract Fraud Schemes</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/04/fha-well-and-septic-guidelineshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425833558669-8WT1W563ER33BGIUL9AX/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA News : FHA Well and Septic Guidelines Including Variances</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/2010/04/how-to-interpret-guideline-differenceshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2015-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425833351140-3WST9VZ38WBYHVK8DDFP/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Training : How To Interpret Guideline Differences Based On Where You Work</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/mortgage-loan-processor/2009/04/underwriting-beyond-aushtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1426170094279-C0NH4OLMALNCNA4HDC4A/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriting Beyond AUS</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20100305mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425875827534-ZWT404U5ZK7JNU4FA9Y5/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - FHA Case Transfers and Appraisal Portability</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20100409mortgage-processorshtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425875230078-M36ZZM7JLJKAS9702G0F/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Underwriter Training : Helping Consumers Avoid Foreclosure</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/20091016mortgage-loan-processinghtml</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1425841375518-HW85FTA8RU6VXXSQ186T/image-asset.jpeg</image:loc>
      <image:title>LIBRARY - Back to Understanding Basics – Part 2 of 3</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/CFPB+Regulations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Foreclosure</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/CFPB</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Compliance%2FRegulations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Closing%2FPost-Closing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/FHA+News</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/SAR%2FLAPP+Underwriter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Tax+Return+Analysis</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Loan+Processing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/203%28h%29</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Mortgage+News</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Manual+Underwriting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/AUS</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Loss+Mitigation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/FHA+Direct+Endorsement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Mortgage+Servicing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/QM+Loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/EEM</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Audting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Mortgage+Insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Home+Grants</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Short+Sales</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Fannie+Mae</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/VA+Loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Mortgage+Underwriting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Credit+Review</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/FHA+Loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/USDA</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Credit+review</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/FHA</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/TRID</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Loan+Origination</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Refinance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/DODD%2FFRANK+Regulations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Insurance+Premiums</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Freddie+Mac</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Mortgage+Applicants</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Mortgage+Quality+Control</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Loan+Customers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Credit+Scores</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/RESPA</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/HUD</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/HARP</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Credit+Union</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Reverse+Mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Mortgage+Processing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Credit+Examination</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/Mortgage+Lenders</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/category/HAMP</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Rates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Single+Family+Handbook</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+NAMP%C2%AE+Staff+Writer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Mortgage+News+Feed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/CFPB</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Bonnie+Wilt-Hild</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Conventional</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/FHA+News</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Shawna+Greene</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Joan+Ewing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Daniel+garcia</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/HUD</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Stacey+Sprain</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Mortgage+News</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Daniel+Garcia</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Bonnie+Wildt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/203K</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Jane+Harford</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Theresa+Furzland</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Glenn+Michaels</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Frankie+Lacy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Melandie+Rota</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/short+sale</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/reverse+mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Dolores+Weaver</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Dodd-Frank</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Dionne+Henderson</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/FHA</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/TRID</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Hina+Habib</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Tanisha+Daniels</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-news/tag/Author%3A+Danielle+Burgess</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2019-10-29</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/8/12/review-of-forms-1065-amp-1065-k-1-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/8/5/review-of-forms-1065-amp-1065-k-1-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/7/29/review-of-forms-1065-amp-1065-k-1-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/7/1/review-of-the-loan-estimate-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/6/24/review-of-the-loan-estimate-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/6/19/review-of-the-loan-estimate-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/5/13/fhlmc-updates-to-rental-income-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/5/6/fhlmc-updates-to-rental-income-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/4/30/fhlmc-updates-to-rental-income-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/3/25/fannie-mae-desktop-underwriter-tips-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/3/18/fannie-mae-desktop-underwriter-tips-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/3/11/fannie-mae-desktop-underwriter-tips-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/2/4/freddie-macs-home-possible-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/2/4/freddie-macs-home-possible-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/2/4/freddie-macs-home-possible-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/1/21/key-elements-of-the-appraisal-report-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/1/21/key-elements-of-the-appraisal-report-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/1/21/key-elements-of-the-appraisal-report-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/1/7/fnma-cash-out-or-limited-cash-out-refi-whats-the-difference-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/1/7/fnma-cash-out-or-limited-cash-out-refi-whats-the-difference-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2019/1/7/fnma-cash-out-or-limited-cash-out-refi-whats-the-difference-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/12/17/mortgage-fraud-red-flags-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/12/17/mortgage-fraud-red-flags-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/12/17/mortgage-fraud-red-flags-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/12/3/fha-203k-mortgage-consultant-requirements-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/12/3/fha-203k-mortgage-consultant-requirements-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/12/3/fha-203k-mortgage-consultant-requirements-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/11/20/fha-income-basics-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/11/20/fha-income-basics-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/11/20/fha-income-basics-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/11/5/va-loans-occupancy-requirements-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/11/5/va-loans-occupancy-requirements-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/11/5/va-loans-occupancy-requirements-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/10/22/fnma-mortgage-insurance-comparisons-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/10/22/fnma-mortgage-insurance-comparisons-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/10/22/fnma-mortgage-insurance-comparisons-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/10/8/trid-change-circumstance-refresher-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/10/8/trid-change-circumstance-refresher-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/10/8/trid-change-circumstance-refresher-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/9/24/trid-important-updates-effective-october-1-2018-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/9/24/trid-important-updates-effective-october-1-2018-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/9/24/trid-important-updates-effective-october-1-2018-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/9/10/fnma-secondary-and-seasonal-income-requirements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/9/10/fnma-flood-insurance-coverage-requirements-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/9/10/fnma-flood-insurance-coverage-requirements-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/8/27/va-irrrl-basics-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/8/27/va-irrrl-basics-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/8/27/va-irrrl-basics-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/8/13/fnma-title-insurance-requirements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/8/13/fnma-voe-review-of-independent-verification-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/8/13/fnma-voe-review-of-independent-verification-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/7/30/fnma-community-second-mortgage-basics-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/7/30/fnma-community-second-mortgage-basics-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/7/30/fnma-community-second-mortgage-basics-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/7/16/fha-retirement-income-requirements-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/7/16/fha-retirement-income-requirements-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/7/16/fha-retirement-income-requirements-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/7/2/usda-loans-important-credit-eligibility-requirements-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/7/2/usda-loans-important-credit-eligibility-requirements-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/7/2/usda-loans-important-credit-eligibility-requirements-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/6/18/introduction-to-fnmas-new-manufactured-housing-program-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/6/18/introduction-to-fnmas-new-manufactured-housing-program-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/6/18/introduction-to-fnmas-new-manufactured-housing-program-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/6/4/fnma-adjustable-rate-mortgage-arm-refresher-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/6/4/fnma-adjustable-rate-mortgage-arm-refresher-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/6/4/fnma-adjustable-rate-mortgage-arm-refresher-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/5/21/fha-mortgage-insurance-refresher-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/5/21/fha-mortgage-insurance-refresher-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/5/21/fha-mortgage-insurance-refresher-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/5/7/usda-loans-analyzing-borrower-ratios-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/5/7/usda-loans-analyzing-borrower-ratios-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/5/7/usda-loans-analyzing-borrower-ratios-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/4/23/fha-amendatory-clause-requirements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/4/23/fha-quick-refresher-on-hud-required-disclosures</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/4/23/fnma-overview-of-uniform-and-specific-riders-to-security-instruments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/4/9/fnma-property-inspection-waiver-faqs-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/4/9/fnma-property-inspection-waiver-faqs-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/4/9/fnma-property-inspection-waiver-faqs-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-04-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/3/26/fha-accept-risk-classifications-when-to-downgrade-to-manual-underwriting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/3/26/fha-whats-considered-a-new-construction-property</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/3/26/fnma-post-closing-quality-control-review-of-appraisers-and-appraisals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/3/12/usda-loans-credit-qualifying-the-borrower-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/3/12/usda-loans-credit-qualifying-the-borrower-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/3/12/usda-loans-credit-qualifying-the-borrower-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/2/27/fhlmc-debt-ratio-what-liabilities-to-include-and-exclude-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/2/27/fhlmc-debt-ratio-what-liabilities-to-include-and-exclude-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/2/27/fhlmc-debt-ratio-what-liabilities-to-include-and-exclude-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/2/12/fnma-selling-guide-updates-for-january-2018-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/2/12/fnma-selling-guide-updates-for-january-2018-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/2/12/fnma-selling-guide-updates-for-january-2018-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/1/29/va-tips-for-reviewing-income-of-recently-discharged-veterans-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/1/29/va-tips-for-reviewing-income-of-recently-discharged-veterans-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/1/29/va-tips-for-reviewing-income-of-recently-discharged-veterans-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/1/15/fnma-prohibited-refinancing-practices</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/1/15/fnma-verbal-voe-requirements-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/1/15/fnma-verbal-voe-requirements-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/1/2/fha-requirements-for-the-borrowers-minimum-required-investment-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/1/2/fha-requirements-for-the-borrowers-minimum-required-investment-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2018/1/2/fhlmc-super-conforming-mortgage-requirements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/12/11/va-tips-for-analyzing-credit-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/12/11/va-tips-for-analyzing-credit-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/12/11/va-tips-for-analyzing-credit-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/11/27/the-redesigned-1003-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/11/27/the-redesigned-1003-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/11/27/the-redesigned-1003-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/11/13/usda-borrower-eligibility-requirements-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/11/13/usda-borrower-eligibility-requirements-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/11/13/usda-borrower-eligibility-requirements-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/10/27/helpful-tips-for-the-new-2018-hmda-requirements-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/10/27/helpful-tips-for-the-new-2018-hmda-requirements-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/10/27/helpful-tips-for-the-new-2018-hmda-requirements-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/10/16/fnma-guidance-on-special-circumstances-related-to-borrowers-affected-by-natural-disasters-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/10/16/fnma-guidance-on-special-circumstances-related-to-borrowers-affected-by-natural-disasters-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/10/16/fnma-guidance-on-special-circumstances-related-to-borrowers-affected-by-natural-disasters-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/10/2/usda-what-not-to-include-when-calculating-borrowers-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/10/2/fnma-homeownership-education-counseling-requirements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/10/2/fnma-what-type-of-information-can-be-disclosed-to-appraisers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/9/18/fnma-ineligible-property-types</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/9/18/fnma-how-to-handle-business-debt-in-the-borrowers-name</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/9/18/fnma-documenting-proceeds-from-the-sale-of-personal-assets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/9/5/what-you-need-to-know-fha-203h-for-disaster-victims-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/9/5/what-you-need-to-know-fha-203h-for-disaster-victims-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/9/5/what-you-need-to-know-fha-203h-for-disaster-victims-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/8/21/harp-refresher-part-one</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/8/21/harp-loan-refresher-part-two</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/8/21/fhlmc-what-you-need-to-know-about-ace</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/8/7/fha-addressing-pension-and-investment-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/8/7/fha-addressing-temporary-reduction-in-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/8/7/fha-documenting-disability-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/7/24/important-updates-cfpb-know-before-you-owe-mortgage-disclosure</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/7/24/usda-recent-updates-to-property-and-appraisal-requirements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/7/24/fnma-important-selling-guide-updates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/7/10/fnma-construction-to-perm-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/7/10/fnma-construction-to-perm-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/7/10/va-loan-and-guaranty-limits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/6/26/fha-no-cash-out-refinances-refresher</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/6/26/fha-residency-requirements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/6/26/fhlmc-interested-party-contributions-and-sales-concessions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/6/12/fha-property-requirements-water-supply-systems</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/6/12/fha-secondary-and-investment-properties</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/6/12/can-a-borrower-have-multiple-fha-mortgages</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/5/30/fnma-when-are-federal-income-tax-returns-required</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/5/30/fnma-requirements-appraiser-selection-and-management</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/5/30/valuable-tips-on-fnma-appraisal-policies</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/5/15/tips-for-analyzing-business-returns-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/5/15/tips-for-analyzing-business-returns-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/5/15/tips-for-analyzing-business-returns-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/5/1/quick-tips-for-navigating-allregs-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/5/1/quick-tips-for-navigating-allregs-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/5/1/quick-tips-for-navigating-allregs-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/4/17/what-you-need-to-know-about-the-new-2018-hmda-rules-part-one</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/4/17/what-you-need-to-know-about-the-new-2018-hmda-rules-part-two</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/4/17/what-you-need-to-know-about-the-new-2018-hmda-rules-part-three</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/4/3/appraisal-compliance-refresher-part-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/4/3/appraisal-compliance-refresher-part-2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/4/3/appraisal-compliance-refresher-part-3</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/3/20/super-conforming-mortgages-explained</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/3/20/usda-loan-basics-part-one</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/3/20/usda-loan-basics-part-two</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/3/6/reg-z-ability-to-repay-and-qualified-mortgage-refresher-part-one</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/3/6/reg-z-ability-to-repay-and-qualified-mortgage-refresher-part-two</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/3/6/fnma-summary-of-february-28-2017-selling-guide-updates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/2/21/key-elements-of-the-fha-203k-rehabilitation-loan-program-part-one</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/2/21/key-elements-of-the-fha-203k-rehabilitation-loan-program-part-two</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/2/21/review-of-fnma-reserve-requirements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/2/7/fnma-how-to-count-student-loan-debt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/2/7/quick-tips-transferring-an-fha-appraisal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/2/7/fnma-using-non-taxable-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/1/23/va-derogatory-credit-waiting-periods</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/1/23/key-features-of-fhlmc-home-possible-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/1/23/fha-property-flipping-guidelines-review</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/1/10/condo-vs-townhome-whats-the-difference</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/1/10/quick-tips-reviewing-a-condo-questionnaire</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/1/10/fnma-why-you-should-use-the-new-collateral-underwriter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/1/2/derogatory-credit-important-waiting-periods</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/1/2/fha-using-a-non-occupant-co-borrower-is-easier-than-you-think</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2017/1/2/quick-tips-how-to-use-bonus-commission-and-tip-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2016/12/20/du-100-release-update-what-you-need-to-know</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2016/12/20/trid-how-to-easily-determine-the-consummation-date</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/2016/12/20/changes-to-the-cd-what-impacts-the-closing-date</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-videos/category/Ask+the+Instructor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/namp-customer-reviews-testimonials</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1559663171011-XZ9SABDY6ZX7MGQ3IDZS/Screen+Shot+2019-06-04+at+11.03.52+AM.png</image:loc>
      <image:title>NAMP® Customer Reviews Testimonials - NAMP® Customer Review: (Leevan), NAMP®-CMLP Certification</image:title>
      <image:caption>NAMP® Customer Review: (Leevan), NAMP®-CMLP Certification Testimonial Disclaimer: In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following: Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences. The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. The National Association of Mortgage Processors (NAMP) is not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1559662370997-IMIDJQSXUVDT4NPFT4BK/Screen+Shot+2019-06-04+at+11.03.52+AM.png</image:loc>
      <image:title>NAMP® Customer Reviews Testimonials - NAMP® Customer Testimonial (Leevan Parker)</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1559663171011-XZ9SABDY6ZX7MGQ3IDZS/Screen+Shot+2019-06-04+at+11.03.52+AM.png</image:loc>
      <image:title>NAMP® Customer Reviews Testimonials - NAMP® Customer Review: (Leevan), NAMP®-CMLP Certification</image:title>
      <image:caption>NAMP® Customer Review: (Leevan), NAMP®-CMLP Certification Testimonial Disclaimer: In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following: Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences. The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. The National Association of Mortgage Processors (NAMP) is not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1560203566340-5POSRCC77CUF2J0QHZZ1/Screen+Shot+2019-06-10+at+5.53.18+PM.png</image:loc>
      <image:title>NAMP® Customer Reviews Testimonials - NAMP® Customer Review: (Alvin), FHA DE Underwriter Class</image:title>
      <image:caption>NAMP® Testimonial: (Alvin) FHA DE Underwriter Class Testimonial Disclaimer: In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following: Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences. The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. The National Association of Mortgage Processors (NAMP) is not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://static1.squarespace.com/static/54e2576ae4b08bab4fc1700b/5cf6803562feba0001b9ea87/5cf68f22b201a65bd21c57b6/1715266188640/</image:loc>
      <image:title>NAMP® Customer Reviews Testimonials</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1568738213561-JIVIGGUV2X4D4KXSLCNB/image-asset.jpeg</image:loc>
      <image:title>NAMP® Customer Reviews Testimonials - NAMP® CUSTOMER REVIEW: Zahida, Processor Bootcamp</image:title>
      <image:caption>NAMP® CUSTOMER REVIEW: Zahida, Processor Bootcamp Testimonial Disclaimer: In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following: Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences. The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. The National Association of Mortgage Processors (NAMP) is not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1715266328497-FFWL3MNG5BAWUG4T4B1T/image-asset.jpeg</image:loc>
      <image:title>NAMP® Customer Reviews Testimonials - NAMP® Customer Review: KhyTari, Raleigh, North Carolina, Certified Master Loan Processor (NAMP®-CMLP)</image:title>
      <image:caption>NAMP® Customer Review: KhyTari, Raleigh, North Carolina, Certified Master Loan Processor (NAMP®-CMLP) Testimonial Disclaimer: In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following: Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences. The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. The National Association of Mortgage Processors (NAMP) is not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1573831850533-XWKOSD82DA1ERIY0CV6P/cmss-certification-mortgage-servicing.png</image:loc>
      <image:title>NAMP® Customer Reviews Testimonials - NAMP® CUSTOMER REVIEW: Kelvie, Certified Mortgage Servicing Specialist (NAMP®-CMSS)</image:title>
      <image:caption>NAMP® CUSTOMER REVIEW: Kelvie, Certified Mortgage Servicing Specialist (NAMP®-CMSS) Testimonial Disclaimer: In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following: Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences. The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. The National Association of Mortgage Processors (NAMP) is not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1715264499941-GZFI2BIBPHG7JHQ5Q7ZX/image-asset.jpeg</image:loc>
      <image:title>NAMP® Customer Reviews Testimonials - NAMP® Customer Review: Devin, Colorado, Certified Contract Loan Processor (NAMP®-CCLP)</image:title>
      <image:caption>NAMP® Customer Review: Devin, Colorado, Certified Contract Loan Processor (NAMP®-CCLP) Testimonial Disclaimer: In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following: Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences. The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. The National Association of Mortgage Processors (NAMP) is not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1740495422979-1E8TWVRQNDXPB3RDPARQ/image-asset.jpeg</image:loc>
      <image:title>NAMP® Customer Reviews Testimonials - NAMP® CUSTOMER REVIEW: Brian, California - Certified Contract Loan Processor (NAMP®-CCLP)</image:title>
      <image:caption>NAMP® CUSTOMER REVIEW: Brian, California - Certified Contract Loan Processor (NAMP®-CCLP) Testimonial Disclaimer: In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following: Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences. The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. The National Association of Mortgage Processors (NAMP) is not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1762794173815-YNY0J3VQ56TCXJ4F9749/image-asset.jpeg</image:loc>
      <image:title>NAMP® Customer Reviews Testimonials - NAMP® CUSTOMER REVIEW: Joe, New Jersey - Certified Contract Loan Processor (NAMP®-CCLP)</image:title>
      <image:caption>NAMP® CUSTOMER REVIEW: Joe, New Jersey - Certified Contract Loan Processor (NAMP®-CCLP) Testimonial Disclaimer: In accordance with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following: Testimonials appearing on this website are received in various forms via a variety of submission methods. The testimonials reflect the real life experiences of individuals who used our products and/or services. However, individual results may vary. We do not claim, nor should the reader assume, that any individual experience recounted is typical or representative of what any other consumer might experience. Testimonials are not necessarily representative of what anyone else using our products and/or services may experience. The people giving testimonials on this website may have been compensated with free products or discounts for use of their experiences. The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. The National Association of Mortgage Processors (NAMP) is not responsible for the opinions or comments posted on this website, and does not necessarily share the opinions, views or commentary of postings on this website. All opinions expressed are strictly the views of the poster or reviewer. All testimonials are reviewed for authenticity before they are posted for public viewing.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-training-ask-the-instructor-videos</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-11-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1635288118336-WHS8URVYVA8XRGGA06A9/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: The application shows your borrower is living at the property being purchased. The sales contract  has no mention of relationship or occupancy. Is this an inducement to purchase or a sales.....</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1635288118336-WHS8URVYVA8XRGGA06A9/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: The application shows your borrower is living at the property being purchased. The sales contract  has no mention of relationship or occupancy. Is this an inducement to purchase or a sales.....</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1635288626380-GQ12NAWFF7ABY0MB1RXH/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Your sales contract has personal property included in the sales price. Is this an inducement to purchase or sales concession?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1635288821701-958GJE7IUJE3OWSVEZ1Z/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: For a loan on an investment property do you need a copy of the lease agreement?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1635289435943-E55FZ6CG9D8SI1J875GB/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Your transaction is a first time home buyer purchasing a 2-4 unit property. Can you use rental income to qualify for the new loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1635289757520-ODDCB8GJZO25P95O8MDF/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: You are reviewing an FHA loan and the borrower's pay statement shows paid hourly but hours per  week are different every week. What amount can you use as qualifying income?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1631647747527-S9XHTA4LD02BTSWT75WX/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When can you add back salary for a self-employed borrower on the tax return income calculation?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1631647873936-A4VITGUN4B0ZRFSEVLL9/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What documentation is required to evidence a property is owned free and clear?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1631648120632-NFAXXD28JMDP6WHXCVA7/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How do you evidence a self-employed business is open and operational?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1631652571380-0FIDLYCRVL8JB9CWP3DG/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Do you need to count expenses for a property owned by an LLC or Corporation?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1631652989617-GBKKE7I0UEH22WZGGJIV/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When can expenses for a property vested in the customers name be excluded from the Debt-to-Income ratio?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1630439980628-EUBDBROXD3EE8XR649QL/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: I have a borrower purchasing a Four Unit property with FHA financing. Does FHA have any special requirement for this property type?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1630445569901-SO9Y3215YIVU2YMKN7GN/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When reviewing an FHA loan with an AUS approval, if my borrower is self-employed do I need to to obtain a profit and loss statement?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1630447062100-PPPXUVFBK9RQCH0VRAR9/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When reviewing an FHA loan, the self-employment income has declined over 20% from the current tax year to the prior year. Can I average the income?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1630447465831-DN7S4J7SCBM2T57DEDIH/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When reviewing an FHA loan, the source of the borrower's down payment is cash saved at home. How does FHA require cash be verified?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1630448451716-HWJ7P8Z6LA0QFTMPUVPH/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When reviewing an FHA loan, the source of down payment is a loan from a retirement account. Do I need to consider the payment in the debt ratio?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1629227852884-EBY623WWMFYACZ8LS0XK/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: On an FHA loan, if the seller has been on title for less than 90 days prior to the sales contract execution date what will FHA require?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1629233417527-6KUCIVV06XN41JHZIKKX/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: On an FHA loan, the subject property has a store front in addition to the residential portion of the home. Does FHA allow Mixed Use Properties?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1629235871477-VMH7N392PQFKR32SG865/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: For an FHA loan the seller is related to the borrower and is gifting the down payment. Are there any restriction for this non-arms length transaction?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1629236545475-2UVW1F9H6H6IXI1TI50H/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: I have an FHA loan with an employer completed verification of employment that verified two years on the current job. Is this acceptable?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1629236823236-L9QCCW6DMBIE8SGOV0U2/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: I have an FHA loan. The employer has the same name as my borrower. If the borrower is employed by by a family member, what do I need to consider?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1628018853245-QXY3JTD2PHU90RGG89XO/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: On a conforming loan, the borrower's VOE shows 'on leave' and no earnings received this year. Can I use the income to qualify?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1628019130793-YTBXZAUMTFMXG2ZDURY1/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: On a conforming loan, the borrower has a contract for employment that will not begin until after loan closing. Can I count the income?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1628023722023-6T661YB90GWFSX3FHH4W/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: On a conforming loan, the borrower is using Gift Funds for the funds to close. Is the LTV limited when the borrower does not have own funds?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1628025261710-YWFHEETVT76F3SOU5MFI/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: You are reviewing an FHA purchase and determine the borrower has an FHA loan on credit. Is this acceptable to have more than 1 FHA loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1628025494719-MZW1V3S0YYL26PKKFV8C/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: You are reviewing an FHA purchase and the borrower does not intend to occupy the subject property as a primary residence. Is this acceptable?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1626804902544-ELLPRUBE0X3F4RR7CLIB/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: I have an FHA loan and my case number shows there is a prior credit reject. What is required and is my borrower eligible for FHA financing?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1626805289403-OKSD07L3SIFL8SGA1TFI/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: I have a loan that my AUS findings are not requiring an appraisal. With a PIW (property inspection waiver) do I ever need to require an appraisal?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1626805526192-PBT6X4G1GIEW77P3SOS4/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When reviewing a softpull credit report or credit monitoring new derogatory credit is reported. What is required?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1626805773094-4ADRLDXV0QXYW3JHSQ52/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: On an FHA loan you have required a credit alert or CAIVRS. There is a Default "D" or Claim "C" instead of an Approve “A”. What do you need to do?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1626806248364-XXEUPZRPBMSG1MJN34MI/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: You have an FHA loan and the borrower's credit has disputed accounts. The amount in dispute is is over $ 1,000. Can you proceed?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1625592865677-OU5OJB2N2BOPMNLHEFKT/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: You have an FHA purchase. The current residence is not an FHA insured loan. Can I use the rental income from the departing residence?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1625593278378-XURBJOWA6IIMM94JYKYH/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Can I use income from a boarder that lives with the borrower and pays rent at the subject property?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1625594501927-GI0SOYMM8WN8CXG5FJRF/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What documentation do I need for a borrower that earns commission income?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1625594769767-2469JBPODG2IR124T9IE/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How many years does my borrower have to wait after a bankruptcy to be eligible for an FHA loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1625594958328-Y1KV8F1UTQCZGBEZH97B/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How many years does my borrower have to wait after a foreclosure to be eligible for an FHA loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1624390070366-FIVZ1HVQ3BT0LRWRU84E/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: You review the title report for a refinance and there is a lien for a line of credit and a UCC filing lien for Solar in addition to your 1st mortgage. What do you need to proceed?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1624390261270-L3PFME1N66EBNRCCD9KX/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Upon review of bank statements for funds to close and/or reserves, the bank statements have large non-payroll deposits. When do you need to source the funds?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1624394553125-DB66F16WW6T0Z4G0NEQN/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: You have a purchase loan and the sales contract has a requirement for repairs to be completed by the seller prior to closing. What do you need to document the repairs?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1624394984263-19Q6HD2TY87ZKQD5HVE1/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: You have a purchase and the sales contract has earnest money. Do you need to source the funds came from the borrower?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1624395138310-HE0ZXF10LUG9EMHRGJ26/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How much income can I use from a borrower's part time job or second job to qualify? Is there a minimum time required worked on the second job?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1623180174754-8S122H7WV39OXYUQZ02O/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is required if the property has Solar Panels?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1623180297863-WPLBIJ67R53I4JRA7IA1/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is required if the customer is selling their current home prior to closing?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1623190642355-6CIIO462UB4UFXO9YJHR/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is required when providing Assets from an online banking account?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1623180651985-Z7NKNS6AK433LN7BAD47/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is required for Social Security income?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1623191592712-UNEPIM9V3QIFY108MCP0/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is required for income from foster care services?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1621970459936-ZXXX5PYUYAPEAI2KKVWD/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: On an FHA loan, is a fiancée considered an acceptable donor of gift funds?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1621970559888-NW5JDXHPUI321R881HH3/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the primary focus of a mortgage servicer?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1621970682865-YZ408VMRNQWGZQGDZME8/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What function within a mortgage servicer is responsible for remitting cash collected and reporting to its lender(s)?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1621970838987-VMJQ3705JQM9JQHQJSOB/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What regulation primarily governs rules for collecting and managing escrow accounts?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1621971011389-P4WCBDSSJJVONGDSY9QR/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What does MSR stand for?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1620766472944-KILCJIBZ7XCIJ61XXSXT/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: If the borrower has no credit, can they still obtain FHA financing?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1620766633139-RJEN4HWA6NUYUP7TCVQS/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: A prior property was VA financed, but sold on assumption. I obtained with my prior VA loan on an assumption. Will the borrower have eligibility restored?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1620766983429-1U44R208N20ELN70XD4L/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: My appraisal in WEBLGY states Tidewater process has been enacted, what does this mean?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1620767548635-XAWF00534OZZPZSS8CL2/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: I have a certificate of eligibility, but it's for a surviving spouse of a deceased veteran, is this accurate?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1620767765238-XZRGW01JMN8NI8TOW43N/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the maximum loan limit for a VA loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1619548763397-TVHLX8KV50US2I0FUKFI/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is considered a large deposit on a Conventional loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1619548904687-9PNR3HO8BBZU0308CB8U/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the seasoning requirement on a cash out refinance on a Conventional loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1619549027949-AGCSQ2JD4A8S93HK9GK3/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the property flipping rule on FHA loans?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1619549334606-5SB5K3FFRR0HFYBR7AEL/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: On Conventional loans, do unpaid collection accounts or non-mortgage charge-offs need to be paid off in full?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1619549528608-K1GJW02NGO4BF0WXKCIH/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the maximum interested party contribution on Conventional loans?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1618340685617-L6YWSOTVY57HTABJZ75P/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Must the borrower pay off a judgment against a non-purchasing spouse in a community property state?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1618341112372-CKRR4JNP12QSVXF7N1FN/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Can we, as a lender, obtain a Certificate of Eligibility for the veteran on a VA Loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1618341219863-GLWDMWV1HETE5CZOHFKL/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: On a VA loan, what is acceptable proof of military service?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1618341366594-EM609N0DUP5GON10W7YA/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Can a borrower have more than one VA loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1618341559431-L4FAOG7W2M33Z5D3G0U8/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: There is a prior loss listed on the certificate of eligibility due to a foreclosure or deed in lieu of foreclosure. Will the veteran have any entitlement left?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1617135767901-IA93TXPW7E70ARVU6CSB/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is Reg X and briefly describe the intent of the Regulation?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1617136090127-4KGVYKK9P7YHSBPW5C6L/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is Reg Z and briefly describe the intent of the Regulation?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1617136246951-0RPOZLUVHBY4PSAMZQXJ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: For what does FDCPA stand and what is its primary goal?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1617136530680-3GZ1JX3IZHGRWMNCHFC9/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Name at least 3 items required on a Period Billing Statement to a mortgagor?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1617136676171-FMFQWJRX0GATESZJ4B8K/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are the two types of 1099 forms sent annually by a servicer?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1615930257123-97999G69JO120ZB73890/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Is a condo project approval required on site condominiums for FHA?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1615931012994-OQBBIADRWM3G3DS0IHLN/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How many months reserves are required on a conventional investment property?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1615931247439-ASJG09D1M3PBIOU2PN48/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How many months reserves are required on a one-two unit and on a three-four unit property with FHA?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1615931359035-URHSOFWAQJ6SKJVV6VV5/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is residual income on a VA loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1615931519009-7YKL8A6MW3JCYTXKPHE3/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How does VA calculate deferred student loans?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1615908592430-9BCPMFZK89WSLGX6NOF3/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the required waiting period when the borrower shows a bankruptcy...</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1614723068911-LQQ3SUV8II6KSNGEN520/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Your borrower is employed by family members. In addition to standard pay...</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1614723405274-B79CP7M110FRDTKC1DGC/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: If your borrower is self-employed and claims to have their auto loan paid through their business, what steps.....</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1614723609714-B33TWOBYWJN6DVHNLFH5/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Your borrower is employed by the United States Military. How would you....</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1614723888265-463C6UW89JMWQNY1PYRD/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: If your borrower is paying off a 2nd mortgage along with their 1st mortgage, what is the requirement.....</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1613511738561-4TDYXX06QNYZGVM6B7BT/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How do I know what the underwriting turn times are?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1613512857399-AWZNSKADEFYI99QMXQCO/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are lender overlays?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1613513171511-T7MO500RD6G6ZSBHWECH/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the difference between LTV and CLTV?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1613513343013-TI96RYIMPRBYNLZ6A82Y/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is DTI?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1613513506120-CPPMQBNDGKPY2M0XEH1S/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is AUS?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1612302873941-SVI1UL1HVJFH2RCZFDYS/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What documents are needed to submit a file to underwriting?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1612302971033-ESQLM8RVCGJVFNCIR042/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the minimum required to get a file with a condition approval?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1612303043271-B9339XOVQP31LOJLE5FT/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are underwriting conditions?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1612303181289-I1RGSAU6NARAPJINEE7K/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When is an appraisal requested on a loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1612303421608-G0TSE6E2QCRH5MHZLA8M/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a home inspection?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1611089921432-NFKMI1G4NUYNFU5281M4/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What if the borrower has an outstanding IRS debt?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1611090308887-ZYC4K6WQV2UMNA0Z65C1/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is needed if the borrower wants to buy out the interest of another as a result of a divorce?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1611090635271-I93BEIKLV3VUJ5AAXOON/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How many days is an appraisal good for and what can be done once it's expired?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1611090822269-PDQC9I3405JQQ0M6ZAB7/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When do documents such as credit, income and assets expire?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1611090918747-46QI2J2X4C6DN75YEX2H/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a non-arms length transaction and what requirements must be met?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1615574374528-WLTF9GYKKJQVX9F0JQ38/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are the 5 C’s of Underwriting?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1609885762812-8O4NS06OP0WVXFVF6MPY/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a foreclosure?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1609885826996-CRB1K5B4FZMPW83O5BCV/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are at least 2 available alternatives for customers in order to avoid foreclosure?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1609886240246-G8PIV52XUS565HKH876V/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is an escrow account?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1609887044786-828RXGKWJA5G85VYQD4C/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What does a servicer do when the loan is paid off?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1609887132824-RG58F4NYL01FCGWW11YS/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Under the CFPB's "Periodic Statement Rule", what information must mortgage servicers include in the periodic statement?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1608684161638-NWNBSN5CA4XRHXNAPSBU/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When a gift is being used for the down payment, what is the minimum contribution that the borrower has to have in his or her own funds for purchasing a primary residence on Agency loans?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1608690045585-KO3HK1O7QYO3KH71ZWJ4/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the maximum LTV allowed for Fannie Mae when doing a limited review condo project second home in Florida?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1608689907243-HYHVEZT0ISZEACAEI9E6/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How many months bank statements do you need for an Agency loan when funds are needed for closing?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1608690154028-XY9GWKLVP7S1JIR836MU/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Do you need 1 or 2 years of tax returns for self employed borrowers on an Agency loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1608690318233-UZNWUFQU4DGE1CSP1YNQ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Do you have to verify the Earnest Money Deposit (EMD) if the borrower has more than enough to cover both the Earnest Money and the funds required to close?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1607464855355-0UJOWWFGRIMVLDHEC527/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How do you calculate a student loan payment that is missing from the borrower's credit report?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1607465477503-BB8W2KDZBBVB36E9QMDF/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What does IPC stand for and what are the limits on those?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1607465631896-J1HDL2CP59ZQO4TJSEHQ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What constitutes a large deposit and how is it sourced?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1607465745696-DS2UF1DSGL5Q9JKYUIE4/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a gift of equity?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1607465915163-2KXRQL6ZS2SII8RWMT61/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are the minimum photos required on an appraisal?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1606257143561-09XGJ4I6JGKDCXX7K4Q8/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: A borrower was laid off from their job and subsequently filed for.....</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1606257928803-7Z3XDLLW5BZRZL0OH7E6/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What documentation is required when the seller in a purchase transaction is a business entity?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1606257372008-N61HJTLI8YBZ7UYQ18LJ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What kind of review does a new attached condo project require, per Fannie Mae?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1606258307753-EMEFKQSPL9O0DREIF87Y/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What individuals are considered acceptable donors of gift funds?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1614722937809-BK9TCGGKJ08HVEVHX6IV/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the required waiting period when the borrower shows a bankruptcy on credit report?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1606258850931-HAM7VH5RNBSSYZN6BMMX/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is considered acceptable to verify proof of earnest money deposit?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1605055761253-89O17DUNXHQC1FG0OVV4/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Are vacation homes allowed as secondary residences per FHA Guidelines?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1605055858855-15GWRY7220BYZPZ2PO3K/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are the reserve requirements for a manually underwritten investment property on a conventional loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1605056250953-TR4267F201MYUG6M88ZQ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the maximum loan amount for a 1 unit property using conventional conforming financing?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1605056364419-F7AQ6B1MJPLPKF5FS83I/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Can a borrower do a loan on a manufactured home as an investment property?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1605056509558-2AGL05JXL8Y69B8S7T97/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Does a Planned Unit Development (PUD) require a full project review?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1603885636533-7VGX3TM0RSEG5K389FNV/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What specific requirements does FHA have regarding the use of a non occupying co-borrower for qualifying?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1604086208141-NKS24T8FHTNSSWOQH8C0/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: If your borrower has disclosed majority ownership interest in a Partnership, what will you be requesting from them to submit to underwriting for a full review?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1604086489835-DEJ3VJ8CHK0I1EBDYKM6/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: FHA is specific about who can and cannot provide gifts to borrowers for their down payment. Who are the eligible donors for gift funds on an FHA loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1604086643587-I16VZGJCF0BPLOP36S4U/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: If there is a student loan reported on the credit report and there is no corresponding payment listed, per FHA Guidelines, what payment should the lender use to qualify the borrower?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1604086913083-TE7DJX9SGQ9HVOPE7LIP/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: If there is a student loan reported on the credit report and it shows to be in deferment, per Conventional Guidelines, how should the lender qualify the borrower?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1602624269315-B361VOWUNFQG0IIP8L2S/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: If the credit report shows a tradeline with an outstanding balance but shows no minimum payment, can the creditor assume no payment is owed?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1602624686649-IQNBH1JJDTSRVMU90EWG/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How can you determine if an installment debt can be excluded from DTI calculations?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1602624912213-ZXO8U3XO4IAAHP3IGH7R/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are the requirements to include overtime income in DTI calculations?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1602625062629-KFYV53X3GUN8VV7W1IR0/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How do you document assets that come from proceeds from the sale of personal assets such as a vehicle?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1602625325252-0X5ALH21ZDNV4IK848S9/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What qualifications must be met in order to use rental income as qualifying income?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1601405491331-2CVE1UIZL31GPN9O2M0S/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the requirement to exclude an installment debt payment from qualifying ratios on conventional &amp; FHA mortgage loans?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1615603778092-VD7ZJV4RIVGZQZO5JHSO/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the required waiting period when the borrower shows a bankruptcy on credit report?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1601405639028-W9N9XASAAYB4RCGXICOA/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Paystubs must be dated no earlier than how many days prior to the initial loan application?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1601405894346-EO9HUBPH5M5PN95S5XM4/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: True or False: Tax returns are not required to be signed by the borrower.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1601406028891-GR9YD8BGX1RZ5R10QX7J/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are funds called that are provided by a relative or domestic partner that are used for closing costs and not required or expected to be repaid?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1601406196361-YWMQ7KC3ITBCHKCZALTX/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: True or False: Gift funds are not allowed on an investment property transaction.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1600201790771-G1ZB84VN8IMXRYRGS464/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a Real Estate Assignment Contract?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1600201898368-8X8Z50GV8MPQMLESC08N/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Your borrower owns a small sandwich shop as a sole proprietor. What type of tax return schedule would you be looking for to verify income?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1600201986313-JC30QSTJRO5H3PRJQ0AQ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: On a purchase transaction, your borrower’s qualifying income is $5,000 a month. In review of the bank statements you see a non-direct deposit for $2,400. Does this deposit require.....</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1600202239759-SV4K1VG4CXRZ83IEZJWE/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Your borrower earns over 25% of their wages in commissions income. What income documents are required to support these earnings?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1600202368441-MO1OSMHRT1IKV94Q5JRZ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: A borrower is qualifying for a loan using an automobile allowance. The lender wants to use this to justify deleting the auto expense from the credit report. Is this allowed?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1598989434747-Q7A8HLZ3MILI0Z4ZRTG6/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Why do we have Overlays?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1598989603234-8F26FT9U0VY7MXAW58I2/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are "Option" ARMS?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1598989734091-EY7RQZK5W2FVLSZUC9C0/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the difference between Discount Points and Origination Fees?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1598989946482-1AVRJ48GPQ71322RU079/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a "Short Sale"?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1598990256232-E6JEG4XYA0BJLWBJ6EN6/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a "Deed in Lieu"?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1597797762784-16DLPW6YHKPUWX7Y8TN4/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the difference between Non-Recurring and Prepaid costs?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1597798006099-JJYPHXI59P5B92S842TH/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What does "SRP" stand for?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1597798077757-JWV61CT8H84FNZZQ14HL/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a 1031 Exchange?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1597798193028-SOKNM5KIN5KQZNE7ZKAT/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When would you use a Bridge Loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1597798292150-GJEUIO9XD08FDAHGGJW5/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Who is considered to be a First Time Homebuyer?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1615824909849-V39F8LANBWDPN621TRQK/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the required waiting period when the borrower shows a bankruptcy on credit report?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1596572894795-2QO7RU5IXOG81SAFUJRA/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: My subject property is a condo, the departure residence is in the same building, do I have to include HOA special assessments on both?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1596573572207-ZQQ11TPBP71MSGKE2KYI/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Does FNMA offer 97% Loan to Value financing for homebuyers?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1596573818265-N8DLZJX77CLN8H4904X6/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Does FHA offer financing on condo properties?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1596573947379-P2BGRRW7GIXDAU1GHQYQ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What new construction documents will be required on an FHA property at 96.5% LTV appraised as “proposed construction”?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1596574267673-O3SIJD1HWSZXUV5FM7CD/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What documents will be required on an FHA property at 96.5% LTV appraised as "new construction"?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1595360104611-I0D921O54PFHMLZ2OZB6/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the waiting period for borrowers who have had a foreclosure?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1595360312427-4B5XTGU7KR6N03K8ZB0N/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What does ATR/QM stand for?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1595360518863-WEY24IWU4F1R0M438E1S/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How long is a VA appraisal good for?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1595360647326-0IHF762RMR14586KG0KU/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are Community Property States?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1595360760597-WEDCA8EFZNVCSQ1X8LIM/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What do you do different when underwriting a government loan located in a Community Property State?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1594155467459-RORPISFKG15G05TWSJY2/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: On a VA loan, can a veteran be back to work less than one year and still qualify?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1594155568942-Q50JFHWB9GOM25APOGOX/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: On a conforming loan, can I use overtime, bonus or commission income in qualifying?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1594155673272-VBV2D78ZM4QO5KZBVOLM/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Does a borrower need flood insurance on an additional structure for subject property?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1594155841197-1ULEO6T5E2PUQAWKINZS/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: May the FHA appraisal be dated before the case number assignment or application?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1594156009743-7T08RCJAEU2IXG0YC5WZ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: There are large deposits on a FNMA rate/term refinance, do I have to source?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1592950106233-D9W26M9H9TTS219GYAL6/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are the different loan programs for completing an FHA loans?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1592950193963-0ET6EL43KI6AB7J1HHG5/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Per TRID guidelines, when does the initial LE need to be dated?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1592950276119-YQNLQ88RGBZT6WM0P45G/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What should an Underwriter do when they are approving an FHA MCR loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1592950373956-H4BPI140ZEIFUPITWIH0/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Should a processor question different addresses on the borrower’s documentation?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1592950510883-ZV5RZE3AET3RVF6ZZCNP/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When calculating income, should the YTD exceed the base income?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1591732114144-HR2RAPG4ERLBTZN7MV8X/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a Cistern?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1591732322555-NQHJMHV5MD66B192KF2A/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What happens when there are no comparable sales available?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1591732403286-HHBNPP8HXL8UTK640CDN/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is Bond Financing?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1591732560111-OL01AKQKZJ3XNYSF7EM2/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a "Silent Second"?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1591732657980-5Y4A0ZMULMTGQWG17NYD/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a "Piggy Back" loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1590526813355-XDJ63XQQ7ZKJO8MQIX8T/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the TRID 3-7-3 Rule?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1590526903884-U3W57X86X92OF44S4NTF/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How is alimony treated when calculating Debt to Income ratios on agency loans?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1590527049770-W2SWEXIUHM4HSH9F44FZ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Can you have a loan that meets the Ability to Repay (ATI) and not the Qualified Mortgage (QM) requirements?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1590527328672-P9YWQXBLS1HV0Q695HYF/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are the allowed seller contributions for Agency Loans?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1590527549156-FJVRNUQH5JJQ2LNAKBJ7/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Can a lender charge, change or add fees on a Loan Estimate before receiving the borrower’s intent to proceed?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1589290104346-O2DMYQLIWMQY5BL0TAYA/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the comparable sales requirement for a new or recently converted condo, subdivision, or PUD?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1589290269264-N071FTZH6UUDBQHTGCK2/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What documentation do you need when a borrower's commission income is greater than or equal to 25%?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1589290387678-7RHAB6N9QIDW7S4U5H7L/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: A VOD is provided to verify funds to close, but the last 2 months' average balance is $20,000 less than the required funds. What should be done?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1589290562961-KGZ689C3Y7P9V6TSY7MU/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: If you receive a Refer with Caution from DU or Caution from LP/LPA due to credit, what are compensating factors for the derogatory credit?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1589290719998-ZALIWA7BGN6L2P7EB5CD/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is included in Schedule A of a Title Commitment?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1588088607716-OTYFP1Y07WW6MKASVDCU/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How long must a borrower wait after a Chapter 7 Bankruptcy before the borrower can get approved for an Agency loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1588088739466-6B556ZFYTHGSNEFZS5UZ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: For an Agency loan, can you close the loan in a trust?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1588088911663-T8MCOLPYMU7M3H58IPJ9/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: With a non-occupant co-borrower, what is the maximum LTV and occupant’s minimum contribution for an Agency AUS loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1588089926464-LWPDVTPB10F2DA7ABZBV/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is required to verify that a third party is responsible for a borrower’s debt that is being excluded from the DTI calculation?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1588090118747-DIIL0ZGC6YUDO2FHEEVL/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Is a garnishment of wages included in the debt ratio or is it a deduction from income?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1586870497748-NB1NJS00C49N46GNTP3J/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Can VA financing ever be used on a property with more than 4 units?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1586870598332-K5XGLVUL8EQB831DH7QQ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When does a VA Certificate of Eligibility expire?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1586870683789-KUARQDM62QPGZMVYJBTG/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a "Jumbo" Mortgage?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1586870882838-GBWHC6U7VGWC8WUFPX37/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a "QM" Loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1586871059418-8KPEXYQ43OONODFP3IKF/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What counts when determining the number of properties owned by someone applying for conventional investment property financing?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1585699326279-NR0RNSRLUD2HPY3F5PAX/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Who determines the maximum conforming loan limit amounts?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1585699420452-2SXLZ767D66SJFHY4QKX/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: A borrower recently changed jobs from a 100% commission to a salary plus 20% commission. Can you use the 20% commission for income qualification?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1585699606627-YJ2K0QQH726BP0JCQKRW/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Can an un-licensed trainee appraiser complete the appraisal of a property?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1585699730788-AKPOCP8LWD3GAKG3CU8E/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the PITI reserve requirement for an Agency loan when the subject property is an investment property?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1585699873820-XWM10GUKJXMIMWF9OCJ5/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: A recent college graduate has an offer letter in their major and first paystub supporting the offer letter income. Can you use that income to qualify?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1584469745305-YTYR2SJUNGCPEH8MVYQZ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Can a borrower have more than one open FHA loan at a time?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1584470080471-6BQZHOW4B3X0TDNXMVND/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What happens when someone is convicted of mortgage fraud?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1584470185968-86AMW4TFFWJNBLVGWQL0/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the "Secondary Market"?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1584470338737-MERNDMSXHTWT1HGVPB76/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How is Guaranty and the Funding Fee calculated on VA joint loans to.....</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1584470468452-B9YU5DKTGT353SSXN5S0/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Will VA allow a Manufactured Home to be used as an accessory unit?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1583266717429-7W3GT9CGHW91Y67QP10C/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When can revolving, lease, or installment debt be excluded from the debt.....</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1583266908233-00XQV8E1A0PMZ0EHGJZI/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: If there is an outstanding credit card debt on the borrower's credit.....</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1583267051411-02XCEX6IH58UF3UWQATJ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: When can you use child support income and what documentation do you need?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1583267229051-BDSMIO56EK8Y88160QPQ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Can the stability and likelihood of continuance of income be implied.....</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1583267342258-69Y1CUDOJINBLEPINSO0/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: There is a $15,000 deposit on a recent bank statement not being used.....</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1582057029955-SIY9FS1F7FMVIL7NDL8T/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How is a Co-Op different than a Condo?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1582057125277-KEFF7LHTUQAWLFCO1W4B/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the difference between a Manufactured and Modular Home?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1582057211763-LNHRG09D6YSULT7TN30V/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How does remaining economic life affect a loan?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1582057280158-JRMX1GGE0Q8DY34UEL6H/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What triggers an FHA downgrade to Manual Underwriting?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1582057365047-1HJN6WHVW45X8K6JQZ80/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Are there any tolerances to DU Findings?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1580858667947-UT8PVQFSCU3W0N80NPEW/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Would you explain the three approaches to market value?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1580858938686-8OELX6PNO02DB0H7WALE/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a leasehold?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1580859051149-9X9YARGQNVZXK9KOL7GH/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is a "buy and bail" scheme?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1580859236201-67OUH25FLER74F34BT06/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What debts are not discharged in a Chapter 7 bankruptcy?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1580859309568-0K4LUL312NBM1OEMUTE9/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are private savings clubs and susu's?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1579653003323-2T6OOJYBIDCRSRTCWVSF/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are acceptable extenuating circumstances for FHA?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1579653163467-5EITCW7SQ6OR510K5TGU/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO:  What do you do if someone has a credit freeze?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1579653376228-QZMLEX0SJQCQ4HM67R6A/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How does FHA look at someone employed by a family-owned business?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1579653491493-UD1AYZLOY9DP6VTT6Y3M/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What to do if borrower with credit reports not showing judgement and liens?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1579653771411-3R6ZNC5G4OF2YTS6U2T6/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: How do you document the sale of personal property for funds to close?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1578515382194-J3AXP3AWDKHM47AZLX8B/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Community Property State: Non-Borrower Spouse Requirements?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1578522229399-C0YXVF8WF0I30DLFZ62I/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What are examples of acceptable types of non-traditional credit?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1578522470326-OC53GHAIIFQ350EXVBH9/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: On a VA IRRRL, who can be on a new loan note?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1578522573354-VKLA3ZB1U6DEE0J29K3W/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Can a borrower take his WVOE to the employer for us?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1578522707886-GA73VFQ4K7WSXVVP08FE/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What disclosures are required with a VA application package?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1576023569170-IJQKGGE1FMWDRU56Q9N4/Newsletter+-+Ask+the+Instructor+Thumbnail.jpg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the difference between 'household' and 'qualifying' income on an RD Loan?</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1576023478248-UCGIFBRHMO3YKESX362Q/Newsletter+-+Ask+the+Instructor+Thumbnail.jpg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Does rural development have an acreage restriction?</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1576023413976-YB4U7HLQBBI89NPK4J5S/Newsletter+-+Ask+the+Instructor+Thumbnail.jpg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What kind of subordinate financing is allowed on the FHA mortgages?</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1574882193562-1RH8H65LNZKDIQGKUJFI/Newsletter+-+Ask+the+Instructor+Thumbnail.jpg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What is the minimum flood insurance coverage FNMA requires?</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1574882227214-N73VDE1FYCECSOCQXZ2J/Newsletter+-+Ask+the+Instructor+Thumbnail.jpg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Can we offer conventional financing on earth homes?</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1574882247305-5RQRWQ77YBA4MEM6QGG0/Newsletter+-+Ask+the+Instructor+Thumbnail.jpg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Is a two-story home an acceptable comparable sale for a tri-level home partially below grade?</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1574882266857-E9CB2N0C8H56LEFQ9WFH/Newsletter+-+Ask+the+Instructor+Thumbnail.jpg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Does Fannie Mae allow non-arm's length transactions?</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1576023259238-B3ZM6H943HTJL7Y8YQNL/Newsletter+-+Ask+the+Instructor+Thumbnail.jpg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What kind of issues are reported to CAIVRS?</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1574798991064-WJ4CNQKD9XA8CA63CRZ9/Newsletter+-+Ask+the+Instructor+Thumbnail.jpg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: Is a property with a rented accessory unit over the garage and a basement in-law suite acceptable?</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1576023825161-40PJJY69R7LAUDVTD2IR/Newsletter+-+Ask+the+Instructor+Thumbnail.jpg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos - VIDEO: What causes exclusions on the LPD and GSA lists?</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1574797824726-7TIEEIY2M171PZIX9AFQ/image-asset.jpeg</image:loc>
      <image:title>FREE Mortgage Training - "Ask the Instructor" Videos</image:title>
      <image:caption />
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-05-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/5/20/the-borrower-applies-for-an-fha-loan-but-has-substantial-monthly-medical-payment-obligations-under-a-documented-repayment-plan-following-a-recent-hospitalization-how-does-the-underwriter-evaluate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/5/20/the-borrower-applies-for-an-fha-loan-on-a-home-where-the-appraisal-notes-active-water-damage-and-possible-mold-near-the-basement-foundation-how-does-the-underwriter-determine-whether</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/5/20/the-borrower-applies-for-a-freddie-mac-loan-on-a-one-unit-primary-residence-with-a-permitted-accessory-dwelling-unit-adu-and-wants-to-use-potential-adu-rental-income-to-help-qualify-how-does</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/5/20/the-borrower-applies-for-a-usda-loan-and-works-full-time-as-a-warehouse-supervisor-while-also-holding-a-part-time-weekend-retail-job-started-18-months-ago-how-does-the-underwriter-calculate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/5/20/the-borrower-applies-for-an-fha-loan-and-shows-250000-in-a-savings-account-to-cover-the-down-payment-closing-costs-and-reserves-but-several-recent-large-deposits-appear-on-the-statements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/5/5/the-borrower-applies-for-a-freddie-mac-conventional-loan-with-a-52-dti-ratio-and-strong-credit-but-limited-reserves-how-does-the-underwriter-determine-if-the-loan-is-approvable</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/5/5/the-borrower-applies-for-an-fha-loan-on-a-property-with-a-damaged-roof-peeling-paint-and-safety-hazards-noted-in-the-appraisal-how-does-the-underwriter-determine-if-the-loan-can-proceed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/5/5/the-borrower-applies-for-an-fha-loan-and-plans-to-use-funds-from-a-foreign-bank-account-for-the-down-payment-how-does-the-underwriter-verify-and-document-these-assets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/5/5/the-borrower-applies-for-an-fha-loan-and-receives-military-allowances-such-as-basic-allowance-for-housing-bah-and-basic-allowance-for-subsistence-bas-how-does-the-underwriter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/5/5/the-borrower-applies-for-a-usda-loan-on-a-rural-property-with-acreage-a-private-wellseptic-system-and-mixed-residentialagricultural-use-how-does-the-underwriter-determine-eligibility-and-value</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-05-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/4/22/the-borrower-applies-for-an-fha-loan-on-a-rural-property-with-a-private-well-septic-system-and-limited-comparable-sales-how-does-the-underwriter-determine-if-the-property-meets-fha-eligibility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/4/22/the-borrower-applies-for-a-usda-loan-and-has-substantial-liquid-assets-but-limited-verifiable-income-to-qualify-how-does-the-underwriter-evaluate-whether-those-assets-can-be-used</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/4/22/the-borrower-applies-for-an-fha-loan-but-has-minimal-savings-and-relies-on-gift-funds-for-the-down-payment-and-closing-costs-how-does-the-underwriter-determine-if-the-borrower-meets-fha</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/4/22/the-borrower-applies-for-a-freddie-mac-loan-and-wants-to-use-rental-income-from-an-existing-investment-property-but-the-tax-returns-show-fluctuating-income-how-does-the-underwriter-evaluate-this</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/4/22/the-borrower-applies-for-an-fha-loan-but-carries-high-revolving-credit-card-balances-resulting-in-elevated-utilization-and-monthly-obligations-how-does-the-underwriter-evaluate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/4/7/the-borrower-applies-for-an-fha-loan-but-works-under-a-series-of-short-term-employment-contracts-that-renew-periodically-with-gaps-between-assignments-how-does-the-underwriter-determine</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/4/7/the-borrower-applies-for-a-usda-loan-to-purchase-a-newly-constructed-home-that-is-not-yet-fully-completed-at-appraisal-how-does-the-underwriter-determine-whether-the-property-and-loan-meet-usda</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/4/7/the-borrower-applies-for-an-fha-loan-and-owns-a-business-with-significant-debt-on-tax-returns-but-not-on-their-credit-report-how-does-the-underwriter-determine-if-the-business-debt-must-be</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/4/7/the-borrower-applies-for-an-fha-loan-using-rental-income-from-an-accessory-dwelling-unit-adu-on-the-subject-property-but-has-limited-landlord-history-how-does-the-underwriter-evaluate-this-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/4/7/the-borrower-applies-for-a-freddie-mac-loan-after-recently-changing-jobs-within-the-same-industry-with-a-higher-base-salary-but-no-full-pay-history-yet-how-does-the-underwriter-determine</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-04-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/3/26/the-borrower-applies-for-an-fha-loan-but-had-a-chapter-7-bankruptcy-discharged-18-months-ago-and-has-since-re-established-credit-with-on-time-payments-because-the-standard-waiting-period</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/3/26/the-borrower-has-minimal-personal-savings-and-applies-for-a-usda-loan-they-plan-to-use-gift-funds-from-a-family-member-to-cover-closing-costs-how-does-the-underwriter-assess-acceptability</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/3/26/the-borrower-applies-for-an-fha-loan-with-court-ordered-monthly-child-support-the-credit-report-shows-consistent-payments-but-the-obligation-significantly-impacts-the-borrowers-debt-ratios</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2026/3/26/the-borrower-applies-for-an-fha-loan-on-a-townhouse-shared-amenities-including-a-pool-parking-area-and-private-road-maintained-by-an-hoa-how-does-the-underwriter-determine-fha-eligibility</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-27</lastmod>
  </url>
  <url>
    <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>
    <priority>0.5</priority>
    <lastmod>2026-03-27</lastmod>
  </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>
  </url>
  <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>
  </url>
  <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-detached-studio-that-has-utilities-but-is-not-permitted-as-a-separate-living-unit-how-does-the-underwriter-evaluate-this-accessory-structure</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-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>
  </url>
  <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>
  </url>
  <url>
    <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>
    <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-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>
  </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-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>
  </url>
  <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>
    <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-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>
    <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-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>
  </url>
  <url>
    <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>
    <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-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>
  </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-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>
  </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-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>
  </url>
  <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>
  </url>
  <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>
    <priority>0.5</priority>
    <lastmod>2025-08-13</lastmod>
  </url>
  <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>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-13</lastmod>
  </url>
  <url>
    <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>
  </url>
  <url>
    <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>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/29/the-borrower-has-fluctuating-monthly-expenses-due-to-irregular-childcare-costs-and-seasonal-travel-how-is-this-evaluated-for-fannie-mae-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/29/the-borrower-applies-for-a-loan-for-a-home-situated-on-two-adjoining-parcels-under-separate-legal-descriptions-how-is-this-multi-parcel-property-evaluated-under-va-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/29/the-borrower-applies-for-a-loan-with-a-parent-as-a-non-occupant-co-borrower-to-help-qualify-how-is-this-evaluated-under-fha-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/29/the-borrower-recently-took-out-a-10000-personal-loan-to-consolidate-credit-card-debt-how-is-this-new-debt-evaluated-under-fha-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-30</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/15/the-borrower-applies-for-a-freddie-mac-cash-out-refinance-on-a-primary-residence-owned-for-just-over-six-months-what-eligibility-and-documentation-requirements-must-be-met-for-approval</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-15</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/15/the-borrower-applies-for-a-loan-on-a-home-accessed-by-a-private-road-shared-with-three-neighbors-how-is-private-road-access-evaluated-to-meet-fannie-mae-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-15</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/15/the-borrower-applies-for-an-fha-loan-to-purchase-a-new-primary-residence-but-currently-owns-two-other-homes-including-one-with-an-fha-loan-how-is-this-scenario-evaluated-under-fha-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-15</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/15/the-borrower-would-like-to-purchase-a-primary-residence-that-will-be-held-in-a-revocable-living-trust-what-steps-are-required-to-ensure-the-trust-meets-fha-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-15</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/15/the-borrower-has-over-10000-in-medical-collections-listed-on-their-credit-report-how-is-this-medical-debt-evaluated-under-fha-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-15</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/1/the-borrower-recently-financed-a-new-vehicle-increasing-their-monthly-obligations-how-is-this-large-purchase-evaluated-during-underwriting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/1/the-borrower-applies-for-a-loan-with-a-co-borrower-who-will-live-in-the-home-and-contribute-to-the-mortgage-how-is-the-co-borrower-evaluated-under-fha-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/1/the-borrower-has-a-680-credit-score-but-has-high-credit-card-utilization-with-most-revolving-accounts-reporting-balances-over-80-of-their-limits-how-is-high-utilization-evaluated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/1/the-borrower-has-45000-in-student-loan-debt-currently-in-deferment-how-is-this-evaluated-for-debt-to-income-purposes-under-usda-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/7/1/the-borrower-applies-for-a-loan-after-a-chapter-7-bankruptcy-discharged-two-years-ago-how-is-the-past-bankruptcy-evaluated-to-meet-fha-guidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-01</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-receives-gift-funds-from-both-a-sibling-and-a-long-time-friend-to-cover-the-down-payment-and-closing-costs-how-should-the-underwriter-evaluate-this</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-to-purchase-a-home-located-in-a-fema-designated-special-flood-hazard-area-sfha-how-should-this-be-handled</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-lists-monthly-retirement-income-from-a-pension-and-social-security-how-should-this-income-be-assessed-for-qualification</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-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>
  </url>
  <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>
  </url>
  <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>
    <priority>0.5</priority>
    <lastmod>2025-03-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/2/18/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>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/2/18/the-borrowers-purchase-agreement-has-a-rent-to-own-clause-that-shows-a-portion-of-every-months-rent-will-be-given-as-a-credit-toward-their-down-payment-how-do-we-determine-how-much-the</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/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>
  </url>
  <url>
    <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>
  </url>
  <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>
    <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/the-borrower-is-using-note-income-to-qualify-a-copy-of-the-original-document-shows-its-all-inclusive-can-that-income-be-used</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/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>
    <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/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>
    <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/2025/1/21/what-requirements-must-be-met-for-a-cash-out-refinance-on-a-fannie-mae-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-21</lastmod>
  </url>
  <url>
    <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>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/1/21/how-long-must-a-borrower-be-self-employed-in-order-to-use-the-income-for-qualifying-on-a-fannie-mae-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/1/21/when-can-alimony-child-support-or-separate-maintenance-income-be-used-for-qualifying-on-a-fannie-mae-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/1/21/when-must-rental-housing-payments-be-considered-when-underwriting-a-fannie-mae-loan-and-what-is-acceptable-documentation-to-verify-the-rental-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-21</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/1/7/what-are-the-requirements-for-a-borrower-to-be-considered-a-first-time-home-buyer-on-agency-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/1/7/are-payoff-statements-required-for-loan-refinances</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/1/7/how-do-you-calculate-military-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/1/7/does-the-processor-loan-officer-or-underwriter-order-the-va-guaranty</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2025/1/7/how-does-a-processor-determine-if-va-guaranty-is-needed-or-required</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-07</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/12/24/the-borrower-indicates-that-he-was-divorced-more-than-ten-years-ago-if-fannie-mae-guidelines-are-followed-for-this-loan-would-a-divorce-decree-be-required</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/12/24/can-the-underwriter-approve-a-fannie-mae-loan-that-received-a-du-refereligible</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/12/24/the-borrowers-brother-is-his-realtor-on-a-purchase-at-closing-can-the-brother-give-his-commissions-as-a-gift-for-the-down-payment-of-the-home-would-this-differ-from-loan-type-to-loan-type</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/12/24/will-fannie-mae-purchase-loans-where-the-subject-property-has-an-accessory-unit-and-if-so-what-are-the-stipulations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/12/24/when-a-borrower-is-an-authorized-user-of-an-account-listed-on-the-credit-report-what-must-be-verified-by-the-underwriter-on-a-freddie-mac-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-24</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/12/10/what-is-considered-variable-income-and-what-must-be-considered-for-this-type-of-income-on-agency-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/12/10/on-a-fannie-mae-loan-if-a-borrower-is-a-co-owner-on-a-property-when-can-the-expenses-for-that-property-not-be-included-in-the-debt-to-income-ratio-calculation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/12/10/how-does-a-lender-verify-employment-for-a-borrower-on-an-agency-loan-prior-to-closing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/12/10/what-types-of-delinquent-credit-must-be-paid-off-at-or-prior-to-closing-and-why</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/12/10/what-is-foreign-income-and-when-can-it-be-used-for-qualifying-on-an-agency-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-12-10</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/11/26/in-regards-to-asset-depletion-there-are-certain-types-of-income-that-this-source-is-ideal-for-which-types-are-these</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/11/26/as-a-processor-i-know-that-non-qm-allows-for-asset-depletion-what-types-of-assets-are-allowable-when-this-type-of-income-is-used</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/11/26/when-processing-a-loan-under-the-bank-statement-program-what-supporting-documents-should-be-supplied</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/11/26/when-reviewing-appraisals-for-non-qm-loans-what-are-some-of-the-red-flags-and-differences-that-should-stand-out-to-a-processor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/11/26/when-processing-a-dscr-loan-is-there-a-certain-percentage-between-the-cashflow-and-the-pitia-that-is-acceptable</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/11/12/are-discount-points-and-origination-fees-applied-to-every-mortgage-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/11/12/the-cash-to-close-on-an-fha-loan-is-a-gift-from-the-borrowers-parents-who-took-out-a-new-signature-loan-for-the-gift-is-this-an-allowable-source-of-gift-funds</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/11/12/can-a-borrower-be-approved-for-a-loan-without-a-property</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/11/12/if-a-borrower-is-approved-for-a-non-qm-loan-does-that-loan-have-alternative-features</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/11/12/can-a-borrower-use-the-overtime-income-to-qualify-if-they-have-been-receiving-overtime-pay-for-less-than-one-year</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/29/on-a-va-loan-does-a-non-borrowing-spouses-credit-need-to-be-pulled</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-29</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/29/on-a-fannie-mae-loan-does-a-non-borrowing-spouses-credit-need-to-be-pulled</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-29</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/29/does-a-borrower-need-a-clear-certificate-of-eligibility-when-purchasing-a-new-home-to-close-concurrently-with-the-sale-of-their-current-va-financed-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-29</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/29/on-a-va-loan-can-the-borrowers-social-security-income-be-grossed-up-if-the-income-is-not-taxed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-29</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/29/if-the-co-borrower-is-recently-married-and-has-debt-that-was-incurred-prior-to-getting-married-does-it-need-to-be-added-on-a-fannie-mae-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-29</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/15/if-a-borrower-is-purchasing-a-primary-residence-and-selling-their-current-primary-residence-what-documentation-is-required-to-verify-and-how-should-the-property-be-listed-on-the-application</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-15</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/15/if-a-borrower-has-paid-off-a-credit-card-and-the-credit-report-does-not-reflect-a-0-balance-what-must-the-underwriter-request-in-order-to-update-the-balance-to-0</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-15</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/15/for-a-fannie-mae-loan-when-can-installment-debt-be-omitted-from-the-borrowers-dti-and-what-is-required-in-order-to-omit-the-debt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-15</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/15/when-can-rental-income-from-the-subject-property-be-included-in-agency-loans-and-what-is-required-to-document-the-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-15</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/15/can-social-security-income-be-grossed-up-on-a-fannie-mae-loan-if-so-by-what-percentage-and-how-is-it-calculated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-15</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/1/what-is-fhas-requirement-to-document-boarder-income-from-the-subject-property</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/1/how-long-does-an-appraisal-update-extend-the-original-fha-appraisals-expiration-date</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/1/do-fannie-mae-and-freddie-mac-allow-gift-funds-for-the-purchase-of-investment-properties</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/1/how-many-months-of-reserves-does-fha-require-for-three-or-four-unit-properties</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/10/1/what-dates-are-used-by-fha-to-determine-seasoning-requirements-for-short-sales-foreclosures-deeds-in-lieu-and-bankruptcy-discharges</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/9/17/when-a-borrower-is-required-to-pay-child-support-for-multiple-children-but-some-are-no-longer-dependents-can-the-monthly-obligation-be-prorated-and-reduced-to-cover-only-the-remaining-dependents-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/9/17/is-a-borrower-required-to-fully-complete-the-forbearance-plan-before-applying-for-a-conventional-mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/9/17/when-a-borrower-is-required-to-pay-child-support-for-multiple-children-but-some-are-no-longer-dependents-can-the-monthly-obligation-be-prorated-and-reduced-to-cover-only-the-remaining-dependents</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/9/17/do-fannie-mae-and-freddie-mac-allow-a-pace-or-other-energy-efficient-loan-be-included-for-payoff-in-a-no-cash-out-or-limited-cash-out-refinance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/9/17/how-does-fha-calculate-student-loan-payments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/9/17/do-fannie-mae-and-freddie-mac-allow-the-purchase-of-multiple-parcels</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/9/3/what-income-is-not-considered-in-usda-annual-income-calculation</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/2024/9/3/how-long-does-the-borrower-need-to-receive-commissions-to-count-them-in-qualifying-income</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/2024/9/3/what-documentation-is-required-for-child-support-on-a-usda-loan</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/2024/9/3/does-usda-allow-auto-allowances-to-be-considered-for-qualifying-income</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/2024/9/3/is-it-required-to-get-the-structural-engineers-report-for-an-fha-loan-on-a-manufactured-home</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/self-employed-borrowers-require-more-stringent-analysis-of-documentation-to-prove-ownership-and-support-financial-stability-will-providing-the-tax-returns-be-sufficient-documentation-for</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/when-processing-a-loan-for-manufactured-housing-is-an-affidavit-of-affixture-always-required-for-this-type-of-loan-or-are-there-caveats-as-to-when-it-should-be-requested</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/as-a-mortgage-underwriter-you-know-that-fnma-does-a-post-purchase-review-on-loans-sold-to-them-are-all-loans-sold-reviewed-if-not-how-are-the-loans-selected-for-review</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/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>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/4/2/what-is-a-prepayment-penalty-and-when-are-they-allowed</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/when-processing-a-non-qm-bank-statement-loan-is-additional-income-documentation-required-to-meet-the-atr-rules</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/2024/3/19/the-title-report-shows-the-property-is-two-individual-lots-how-does-that-affect-the-loan</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/2024/3/19/how-does-someone-acquire-a-property-through-delayed-financing</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/2024/3/19/what-is-the-identity-of-interest-and-how-does-it-affect-loan-approval</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/2024/3/19/what-is-the-difference-between-a-residential-mortgage-and-a-non-traditional-credit-report</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/2024/3/19/the-borrower-is-self-employed-and-runs-a-local-dance-studio-they-receive-income-from-it-and-from-a-related-non-profit-organization-what-documentation-would-be-required-for-the-non-profit-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-02</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/3/5/the-borrower-co-signed-an-auto-loan-for-their-child-they-provided-copies-of-bank-statements-to-show-all-payments-were-made-from-the-childs-checking-account-but-they-also-show-the-borrower-is</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/2024/3/5/can-the-borrower-amend-their-irs-tax-returns-to-increase-reported-income-after-the-application-has-started</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/2024/3/5/the-appraisal-indicates-the-subject-property-backs-up-to-a-superfund-site-how-does-that-affect-the-loan</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/2024/3/5/is-a-written-vor-or-vom-from-a-private-party-ever-acceptable</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/2024/3/5/why-cant-the-borrower-provide-the-name-and-contact-information-to-obtain-a-verification-of-employment</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/2024/2/20/the-borrower-has-disclosed-income-from-selling-timber-is-that-allowed-in-qualifying-income</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/2024/2/20/what-is-the-difference-between-an-overlay-and-a-guideline</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/2024/2/20/are-recorded-maintenance-agreements-required-for-private-roads</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/2024/2/20/the-borrower-is-using-a-short-term-single-payment-bridge-loan-for-funds-to-close-since-the-current-homes-sale-is-scheduled-to-close-a-few-days-after-the-new-home-there-isnt-a-monthly</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/2/20/the-contract-shows-the-purchase-is-part-of-a-1031-tax-exchange-how-does-that-affect-the-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/2/6/how-do-deed-restrictions-on-historic-homes-affect-loan-approval</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/2/6/the-credit-report-is-showing-a-partial-claim-mortgage-on-the-property-what-does-that-mean</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/2/6/what-does-it-mean-when-an-appraisal-states-the-property-is-grandfathered-in</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/2/6/are-live-work-properties-eligible-for-conventional-financing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/2/6/if-the-veteran-borrower-is-deployed-overseas-can-the-new-house-still-be-his-primary-residence-under-va-financing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/1/23/if-there-is-a-heloc-reflected-on-the-credit-report-can-you-qualify-the-borrower-with-only-the-portion-used-of-the-total-line-of-credit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/1/23/are-all-government-loans-required-to-have-an-escrow-account-regardless-of-the-loan-to-value</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/1/23/if-a-borrower-has-a-high-l-t-v-and-is-required-to-escrow-will-the-homeowners-association-dues-be-required-to-be-a-part-of-the-monthly-payment-collection-by-the-creditor</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/1/23/the-seller-on-the-purchase-contract-is-a-company-and-not-an-individual-how-would-you-know-if-that-person-is-authorized-to-sign-on-behalf-of-the-company</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/1/23/if-a-borrower-carries-mortgage-insurance-on-the-loan-does-that-protect-him-from-default-or-from-any-costs-associated-with-it</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/1/9/when-calculating-income-from-a-borrowers-schedule-e-in-what-situations-are-you-able-to-add-back-the-annual-taxes-and-insurance-before-reaching-the-final-rents-received-figure</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/1/9/borrower-is-a-self-employed-tow-truck-driver-and-wants-to-exclude-the-payment-of-the-tow-truck-from-his-obligations-because-it-is-paid-for-by-his-business-it-is-in-his-name-on-the-credit-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/1/9/a-borrower-cannot-qualify-on-his-own-regular-income-but-recently-has-been-placed-into-a-trust-he-has-set-up-distributions-but-has-not-received-one-yet-can-this-be-used-as-a-source-of-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/1/9/when-processing-a-loan-in-the-dscr-or-debt-service-coverage-ratio-program-how-is-income-calculated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2024/1/9/non-qm-loans-allow-for-asset-depletion-from-a-number-of-sources-not-just-retirement-what-borrowers-would-this-program-benefit-the-most</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/12/26/when-processing-a-refinance-for-the-va-irrrl-program-what-are-the-allowable-costs-that-make-up-the-calculation-of-the-loan-amount-for-this-particular-refinance-product</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/12/26/a-veteran-borrower-has-chosen-a-manufactured-home-as-the-property-for-which-he-intends-to-buy-does-va-allow-financing-on-these-types-of-homes-if-so-what-are-the-requirements</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/12/26/there-are-all-different-types-of-military-pay-on-the-veteran-borrowers-leaves-and-earnings-statement-which-of-these-are-usable-as-qualifying-pay</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/12/26/borrower-works-two-part-time-seasonal-jobs-at-a-waterpark-in-the-summer-and-at-a-holiday-theme-park-in-the-winter-since-neither-of-these-are-full-time-jobs-are-they-both-able-to-be-used-as</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/12/26/borrower-is-selling-his-current-residence-and-the-equity-will-be-used-for-the-downpayment-on-a-new-home-what-is-the-formula-the-processor-would-use-to-calculate-the-anticipated-equity-and-what</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/12/12/the-borrower-has-a-recent-large-deposit-in-his-bank-account-that-he-states-was-for-the-sale-of-a-vintage-auto-he-owned-how-should-these-assets-be-documented-in-order-for-them-to-be-used-as</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/12/12/the-borrower-is-using-stocks-and-bonds-for-assets-to-close-as-a-processor-how-should-the-value-of-these-assets-be-determined</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/12/12/the-borrowers-credit-report-reflects-that-he-is-still-on-the-note-for-an-investment-property-bought-with-a-previous-business-partner-is-this-note-still-his-responsibility-since-they</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/12/12/if-the-borrower-is-disabled-and-unable-to-work-can-the-income-received-from-a-boarder-be-used-as-an-income-source-when-calculating-the-dti</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/12/12/if-a-borrower-has-recently-accepted-a-contract-for-new-employment-but-will-not-start-the-position-until-over-60-days-from-closing-what-should-the-processor-obtain-to-secure-underwriting-approval</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-12</lastmod>
  </url>
  <url>
    <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>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/11/28/the-borrowers-doctor-provided-a-detailed-letter-to-explain-an-extended-job-gap-but-the-underwriter-wont-accept-it-why</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-28</lastmod>
  </url>
  <url>
    <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>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/11/28/the-closer-says-we-must-do-a-dry-closing-what-does-that-mean</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-28</lastmod>
  </url>
  <url>
    <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>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <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>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/11/14/a-college-professor-is-returning-to-his-regular-position-after-a-two-year-sabbatical-does-that-affect-his-job-stability</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/11/14/the-borrower-has-a-non-taxed-income-what-is-the-vas-position-on-grossing-it-up-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2023/11/14/the-borrower-receives-income-from-a-side-hustle-he-wants-to-use-to-qualify-how-would-that-be-documented</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-14</lastmod>
  </url>
  <url>
    <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>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-14</lastmod>
  </url>
  <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>
    <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/2023/10/31/how-are-the-tax-savings-of-a-mortgage-credit-certificate-calculated-and-applied</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/2023/10/31/the-borrower-wants-to-cash-in-credit-card-reward-points-to-use-as-part-of-the-down-payment-is-that-allowed</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/2023/10/31/the-contract-shows-the-sale-is-rent-to-own-rent-was-1000-with-a-500-monthly-credit-the-borrower-has-been-renting-for-2-years-can-the-full-12000-be-credited-to-the-borrower-at-closing</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/2023/10/31/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>
    <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/2023/5/30/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>
    <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/who-is-eligible-to-provide-a-gift-to-the-borrower-on-a-fha-loan</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-required-if-there-is-suspected-fraud-or-misrepresentation-on-a-loan-application-or-during-the-processing-of-a-loan</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/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>
    <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/how-long-does-a-lender-have-to-respond-to-a-mortgage-application</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-is-a-community-property-state-and-how-will-it-affect-qualifying-the-borrower</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/if-a-spouse-is-not-included-on-the-loan-will-any-of-their-individual-debt-have-to-be-included-for-qualifying</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/2022/12/27/the-borrower-is-self-employed-with-an-auto-loan-on-his-credit-report-that-he-claims-his-business-pays-the-monthly-payment-what-documentation-should-be-provided-to-evidence-that-the</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/12/27/at-times-the-certificate-of-eligibility-and-other-va-documentation-received-will-reflect-that-the-borrower-is-exempt-from-the-va-funding-fee-how-is-a-borrower-deemed-exempt-from-this-fee</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/12/27/when-calculating-income-for-a-borrower-that-has-properties-on-schedule-e-how-much-depreciation-can-you-add-to-the-borrowers-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/12/27/borrower-is-purchasing-a-home-and-would-like-to-obtain-an-fha-loan-will-his-non-purchasing-spouses-debts-need-to-be-considered-when-figuring-the-borrowers-liabilities</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/12/27/borrowers-interest-in-a-property-was-bought-out-by-ex-spouse-during-a-divorce-however-the-credit-report-does-not-reflect-that-the-borrower-was-released-from-this-liability-is-borrower</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/12/13/would-a-manufactured-home-be-eligible-for-financing-if-it-had-been-previously-moved</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-13</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/12/13/for-an-fha-purchase-can-the-underwriter-use-the-w2-income-from-the-borrowers-new-job-that-they-started-within-the-last-30-days-if-there-was-a-seven-month-gap-of-employment-prior-to</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-13</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/12/13/does-fhlmc-require-a-copy-of-the-current-lease-agreement-for-the-purchase-of-an-investment-property-if-the-rental-income-is-not-being-used-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-13</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/12/13/if-the-mls-listing-is-referenced-in-the-purchase-contract-as-being-made-part-of-the-agreement-would-the-processor-need-to-obtain-a-copy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-13</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/12/13/can-the-underwriter-give-credit-for-appraisal-and-credit-report-fees-as-items-paid-outside-of-closing-if-they-were-paid-on-a-credit-card-for-an-fha-purchase</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-13</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/29/how-would-alimony-payment-affect-the-dti</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-29</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/29/can-the-funds-in-foreign-accounts-be-used-for-closing-costs-andor-reserves</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-29</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/29/what-if-the-credit-report-shows-inquiries</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-29</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/29/is-pampl-required-to-document-any-self-employment-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-29</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/29/is-commission-expected-to-be-received-by-the-borrower-from-the-subject-property-allowed-to-be-used-as-cash-to-close</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-29</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/15/what-documentation-is-required-to-verify-a-large-deposit-from-the-sale-of-a-vehicle-or-other-personal-asset</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/15/what-if-a-separate-credit-report-for-a-co-borrower-includes-a-duplicate-account-reporting-on-the-primary-borrowers-credit-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/15/what-if-a-social-security-number-alert-is-shown-on-the-credit-or-fraud-report</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/15/what-if-a-large-deposit-cannot-be-verified</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/15/what-if-the-borrower-is-not-the-party-making-the-payments-on-the-non-subject-property-mortgage-loan-can-the-payment-be-excluded-from-the-dti</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-16</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/1/can-the-payment-on-a-revolving-account-be-excluded-from-the-dti</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/1/if-a-student-loan-is-in-the-repayment-phase-but-the-credit-report-does-not-show-a-payment-amount-what-payment-should-be-used</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/1/can-the-payment-on-installment-non-mortgage-debt-be-excluded-from-the-dti-even-if-there-are-more-than-10-payments-remaining</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/1/what-if-the-borrower-owns-another-property-with-mortgage-obligation-and-the-mortgage-payment-is-not-escrowed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/11/1/is-mortgage-payment-history-required-if-the-transaction-is-a-refinance-and-the-borrowers-name-is-not-on-the-current-note</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-01</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/10/18/the-borrower-is-paid-1099-what-documentation-is-needed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/10/18/the-borrower-recently-retired-what-are-the-requirements-for-new-pension-income-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/10/18/what-is-an-rsu</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/10/18/the-borrower-coaches-football-each-year-can-this-income-be-used-in-qualifying-if-the-season-has-not-started-yet</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/10/18/the-borrower-is-taking-a-loan-from-his-401k-account-for-closing-and-down-payment-does-the-monthly-payment-need-to-be-considered-in-the-debt-to-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-18</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/10/4/what-is-k-1-distribution-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-04</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/10/4/what-are-gift-funds</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-04</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/10/4/what-is-private-mortgage-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-04</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/10/4/the-borrower-is-going-to-use-bitcoin-for-closing-funds-is-that-acceptable</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-04</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/10/4/the-borrower-has-a-20000-deposit-in-his-most-recent-bank-statement-what-is-required</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-04</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/9/20/what-is-required-to-document-the-borrowers-raise</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/9/20/what-is-required-for-the-emd</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/9/20/what-documentation-is-required-for-child-support-income-on-a-conventional-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/9/20/what-is-included-in-the-pitia-monthly-mortgage-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/9/20/what-is-required-to-use-bonus-income-in-qualifying-the-borrower-on-a-conventional-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-20</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/9/6/your-conventional-borrower-has-fixed-income-can-this-income-be-grossed-up-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/9/6/your-borrower-has-cryptocurrency-or-virtual-currency-for-assets-can-they-be-used-to-verify-sufficient-funds-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/9/6/your-borrower-has-foreign-assets-can-they-be-used-to-verify-sufficient-funds-to-qualify-down-payment-closing-costs-and-financial-reserves</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/9/6/your-conventional-borrower-has-large-deposits-on-his-bank-statement-what-is-considered-a-large-deposit-and-what-documentation-is-required</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/9/6/your-conventional-borrower-has-a-business-bank-account-that-is-needed-to-verify-sufficient-funds-to-qualify-what-is-required-to-use-these-funds</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/8/23/your-fha-borrower-has-a-non-borrowing-spouse-would-the-borrower-need-to-qualify-with-their-credit-obligations-also</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/8/23/your-va-borrower-has-student-loans-that-are-in-deferment-can-this-payment-be-excluded-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/8/23/what-is-the-seasoning-requirement-for-a-conventional-borrower-with-a-prior-foreclosure-what-if-there-are-extenuating-circumstances</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/8/23/how-long-does-the-va-sar-have-to-issue-the-nov-once-the-appraisal-is-completed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/8/23/your-borrower-has-student-loans-that-are-in-an-income-driven-repayment-program-can-this-payment-be-used-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/8/9/the-borrower-is-on-maternity-leave-can-her-income-be-used-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/8/9/if-a-borrowers-visa-has-expired-can-he-still-purchase-a-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/8/9/the-sale-of-the-borrowers-current-home-will-not-be-completed-until-after-closing-on-their-new-home-can-the-payment-be-omitted</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/8/9/can-a-student-loan-that-is-in-forbearance-be-omitted-from-a-borrowers-debt-to-income-ratio-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/8/9/can-a-seller-provide-the-down-payment-on-a-conventional-purchase</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-09</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/7/26/will-fha-allow-a-spot-loan-approval-in-a-condo-project-that-is-not-fha-approved</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/7/26/the-borrowers-down-payment-is-coming-from-a-non-occupant-co-borrower-who-is-the-borrowers-parent-is-a-gift-letter-required</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/7/26/the-borrowers-down-payment-is-from-the-sale-of-a-car-what-is-required-to-document-the-funds-for-closing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/7/26/the-credit-report-shows-the-borrower-has-been-a-victim-of-fraud-what-is-required-to-verify-the-borrowers-identity</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/7/26/the-borrower-works-for-his-father-what-is-required-to-verify-the-borrower-has-no-ownership-in-the-family-business</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-26</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/7/12/can-the-borrower-use-the-cash-out-proceeds-as-reserves-on-a-cash-out-refinance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/7/12/are-reserves-required-on-a-primary-residence-purchase-where-the-borrower-owns-ten-financed-properties</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/7/12/can-income-be-used-to-qualify-on-a-primary-residence-where-the-borrower-is-renting-a-room</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/7/12/the-title-report-shows-a-trust-deed-and-a-modification-of-that-trust-deed-what-documentation-is-required</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/7/12/the-borrower-is-paying-off-a-family-member-with-cash-out-proceeds-do-we-need-a-payoff-statement</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-12</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/6/28/the-borrower-wants-the-cash-out-to-purchase-another-property-what-is-required-to-document-this</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/6/28/the-borrower-is-receiving-disability-from-a-private-company-what-is-required-to-prove-it-will-continue</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/6/28/the-borrower-is-self-employed-and-the-tax-transcripts-cannot-be-retrieved-from-the-irs-due-to-a-code-10-what-can-we-do</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/6/28/the-borrowers-earnest-money-was-cash-to-the-title-company-does-this-have-to-be-removed-from-the-purchase-contract</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/6/28/can-a-borrower-use-virtual-currency-for-down-payment-and-reserves</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-28</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/6/14/can-gift-funds-be-used-toward-closing-costs-and-reserves-in-addition-to-down-payment-on-a-conventional-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/6/14/the-borrower-is-self-employed-and-reorganized-from-a-schedule-c-in-2020-to-a-1120s-in-2021-is-this-acceptable</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/6/14/the-borrower-is-a-seasonal-employee-not-yet-back-to-work-and-collects-unemployment-in-the-off-season-what-is-required</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/6/14/the-borrower-plans-on-refinancing-their-car-in-order-to-obtain-assets-for-closing-can-these-assets-be-considered</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/6/14/the-borrower-has-a-contract-for-employment-but-needs-to-close-the-loan-prior-to-starting-is-this-allowed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-14</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/31/when-a-borrower-is-purchasing-an-investment-property-but-not-using-rent-to-qualify-must-the-actual-market-rent-be-documented</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-31</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/31/what-scenario-would-trigger-the-requirement-for-a-2nd-appraisal-on-an-fha-purchase</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-31</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/31/what-are-the-requirements-in-order-to-proceed-with-a-conventional-loan-if-the-borrower-has-a-mortgage-in-forbearance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-31</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/31/if-a-borrower-has-charge-offs-showing-on-the-credit-report-must-those-be-included-in-the-dti</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-31</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/31/when-a-debt-is-assigned-to-an-ex-spouse-in-a-divorce-how-would-the-processor-document-in-order-to-omit-the-debt-from-the-borrowers-dti</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-31</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/17/when-a-large-deposit-from-a-joint-account-came-from-a-source-that-belongs-to-a-non-borrowering-spouse-holders-name-only-how-is-this-treated</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/17/the-borrower-has-a-large-increase-in-current-earnings-in-comparison-to-prior-years-can-this-large-increase-in-income-be-considered</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/17/the-borrowers-credit-report-reflect-student-loan-debts-with-no-evidence-of-monthly-payment-will-the-processor-need-to-include-the-monthly-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/17/can-a-borrowers-partial-claim-2nd-lien-on-a-subject-property-that-was-affected-by-covid-be-included-in-a-rate-term-refinance-transaction</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/17/the-borrower-receives-social-security-income-and-retirement-income-can-this-income-be-grossed-up-without-providing-tax-returns</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-17</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/3/can-a-borrower-use-income-earned-from-an-employer-of-a-marijuanacannabis-dispensary-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/3/the-borrower-has-income-derived-from-a-land-contract-how-will-the-processor-document-this-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/3/the-borrower-receives-gambling-income-can-this-income-type-be-used-to-qualify-the-borrower</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/3/the-borrower-is-on-the-title-only-and-not-on-the-mortgage-note-will-the-taxes-and-insurance-need-to-be-included-in-the-debt-to-income-ratio</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/5/3/if-the-subject-property-is-a-condo-will-the-processor-need-to-include-the-unit-number</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-03</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/4/19/the-borrower-has-various-addresses-shown-throughout-the-loan-file-what-can-be-obtained-to-satisfy-that-the-borrower-has-no-ownership-of-other-real-estate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/4/19/can-a-borrower-finance-a-loan-on-a-mixed-use-property</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/4/19/can-a-borrower-receive-a-gift-from-a-trust</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/4/19/can-a-borrower-use-credit-card-reward-points-for-down-payment-closing-costs-or-reserves-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/4/19/can-a-self-employed-borrower-use-business-assets-to-close-if-self-employed-business-income-is-not-being-used-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-19</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/4/5/can-a-borrower-use-1031-exchange-funds-for-closing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/4/5/a-borrower-receives-social-security-income-does-there-need-to-be-documentation-in-the-file-that-the-income-is-non-taxable-to-gross-up</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/4/5/can-a-borrower-purchase-a-home-for-more-than-the-value-at-which-it-was-appraised</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/4/5/the-borrower-is-receiving-a-gift-how-should-that-be-documented</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/4/5/the-average-base-earnings-for-this-borrower-dont-support-the-current-rate-of-pay-can-full-time-hours-be-used-to-qualify</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-05</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/3/22/can-a-servicer-charge-fees-to-a-borrower</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/3/22/are-mortgage-loans-reported-to-the-credit-bureaus</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/3/22/what-types-of-assistance-are-there-for-borrowers-who-are-experiencing-a-hardship-and-cannot-make-their-mortgage-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/3/22/do-all-states-follow-the-same-procedures-for-foreclosure</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/3/22/what-should-a-servicer-do-if-a-borrower-expresses-an-inability-to-pay-their-mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/3/8/what-happens-if-a-borrower-does-not-have-homeowners-insurance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/3/8/is-a-servicer-required-to-reach-out-to-a-borrower-if-they-are-past-due</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/3/8/is-a-borrower-required-to-have-their-property-taxes-and-homeowners-insurance-paid-from-an-escrow-account</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/3/8/are-mortgage-servicers-required-to-follow-regulations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/3/8/can-a-mortgage-loan-be-transferred-more-than-once-to-a-different-servicer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/2/22/how-often-does-a-servicer-have-to-provide-a-borrower-with-an-escrow-analysis</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/2/22/can-a-delinquent-borrower-make-a-principal-only-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/2/22/do-fannie-mae-and-freddie-mac-service-loans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-22</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/2/22/does-a-borrowers-private-mortgage-insurance-on-a-conventional-loan-automatically-cancel-at-an-loan-to-value-ratio-of-80</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/2/22/re-all-points-paid-at-closing-on-the-closing-disclosure-reported-on-the-annual-1098-provided-by-servicers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/2/8/are-tax-transcripts-always-required</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/2/8/is-seasonal-income-acceptable-for-qualifying-a-borrower</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/2/8/how-do-i-document-notes-receivable-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/2/8/what-is-a-military-paystub-called</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/2/8/how-long-before-a-closing-must-a-verbal-verification-of-employment-vvoe-be-obtained-by-the-lender</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/1/25/forms-1065-1120-s-1120-and-schedule-c-what-is-the-difference</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/1/25/who-is-considered-an-acceptable-donor-for-a-gift-of-equity</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/1/25/can-i-use-foster-care-income-to-qualify-a-borrower</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/1/25/what-is-a-mortgage-underwriter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/1/25/can-i-pay-off-a-second-mortgage-with-a-rate-term-refinance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/1/6/what-are-the-three-requirements-that-a-loan-must-meet-for-the-atr-rule-to-apply</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/1/6/are-borrowers-required-to-disclose-alimony-or-child-support-as-sources-of-income</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/1/6/what-does-atr-stand-for</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-06</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/1/6/who-does-mortgage-insurance-protect-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-mortgage-processor-training-classes/2022/1/6/what-credit-report-debts-can-be-excluded-from-the-liability-analysis-when-calculating-the-dti</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-11</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/find-loan-processor-jobs</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-03-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1710426584849-U3WUTUOCVM2L2EM8ZE8K/remote-job.jpg</image:loc>
      <image:title>Find Loan Processor Jobs</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/terms-of-use</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1651256894491-R5AZBFPVJR0ADPZZXXH5/image-asset.png</image:loc>
      <image:title>TERMS OF USE - 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>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processors</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2025-07-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1736346372777-Q1QVV4TP1WC2AG5NPTZO/iStock-1474113759.jpg</image:loc>
      <image:title>HOME</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/dbf1ab0a-59fb-452c-82e0-67a8f707eeed/iStock-1408022364.jpg</image:loc>
      <image:title>HOME - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424452885262-XLHFTHTFO20NWFR53ERA/image-asset.jpeg</image:loc>
      <image:title>HOME</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/certified-mortgage-loan-processor</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1706026642052-V75CLUZ43XVT0R9QC6NV/mortgage-processor-training-certification.jpg</image:loc>
      <image:title>Certified Mortgage Loan Processor</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/cb0d313a-7da9-4395-9472-8b1d988e7951/find-mortgage-processor-jobs.png</image:loc>
      <image:title>Certified Mortgage Loan Processor - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1512072393694-20WGRWL9U7RNX6DFCLUH/National+Association+of+Mortgage+Processors</image:loc>
      <image:title>Certified Mortgage Loan Processor</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1542208531606-O08EQBW0GIT8WDHCR4IA/Boot+Camp</image:loc>
      <image:title>Certified Mortgage Loan Processor</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-training-classes-webinars-seminars</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-11-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424448812806-H5LRK5L36V8EK2TF1GIN/image-asset.jpeg</image:loc>
      <image:title>Mortgage Processor Training Classes Seminars</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424448828598-HWU3H8TZEKF3K93LIJB6/image-asset.jpeg</image:loc>
      <image:title>Mortgage Processor Training Classes Seminars</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/namp-contract-processor-boot-camp</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1491316969417-6GH72N9GMPMRPBTIW7ZL/Boot+camp</image:loc>
      <image:title>The Official NAMP® Contract Processor Boot Camp™</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424464649769-GS0OVYBW3CE8FUKPSIPR/Register+Now%21</image:loc>
      <image:title>The Official NAMP® Contract Processor Boot Camp™</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-underwriter-salary-salaries-compensation</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2015-02-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424796007876-N3SAVPUVKO7YL86EB2BU/image-asset.jpeg</image:loc>
      <image:title>Mortgage Underwriter Salary Salaries Compensation</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/certified-contract-loan-processor</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424207891592-OPTDKW0OJ6MN2TI2RFO2/Certificate+of+Achievement</image:loc>
      <image:title>Certified Contract Loan Processor (NAMP®-CCLP)</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424467308125-U6LBUE5V6G1S6NN8URA2/Register+Now%21</image:loc>
      <image:title>Certified Contract Loan Processor (NAMP®-CCLP)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/contract-processor</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-11-27</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processing-training-classes-education</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1619464435839-Z5L0NFBFT3K1DNLZ2SY3/Download+PDF+Brochure</image:loc>
      <image:title>Mortgage Processing Training Classes Education</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/what-is-a-mortgage-processor</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/d0045eae-2b66-4f30-8e59-4101613976fa/iStock-1388913353.jpg</image:loc>
      <image:title>What is a Mortgage Processor</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-underwriter-training</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2017-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1512696293894-W6MS6UK1CK79AGMDNCJ8/loan-processor-training-school.jpg</image:loc>
      <image:title>Mortgage Underwriter Training</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-certification-programs</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-05-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1428417701421-RBI1B2ISIZRGIJF93FCD/National+Association+of+Mortgage+Processors</image:loc>
      <image:title>Mortgage Processor Certification Programs</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1427898549587-1U3ELNUW8JF0M52KYALZ/Download+Catalog+-+Click+Here</image:loc>
      <image:title>Mortgage Processor Certification Programs</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1655135589549-WUFH6T83I321IX6ALVGA/nasba-logo.jpeg</image:loc>
      <image:title>Mortgage Processor Certification Programs - 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/731834bb-cd8d-4c24-ac06-d036216bfdcc/mortgage-regulations-compliance-training-cmrc.png</image:loc>
      <image:title>Mortgage Processor Certification Programs - 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>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/certified-mortgage-processor</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1467748470234-XP3QBJG5SIX4AQ6IZWJD/Certificate+of+Achievement</image:loc>
      <image:title>Certified Mortgage Processor (NAMP®-CMP)</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424466863580-WOLEFMWNW7YN4IG7QVBO/Register+Now%21</image:loc>
      <image:title>Certified Mortgage Processor (NAMP®-CMP)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/certified-ambassador-loan-processor</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1468594478156-MADR1I7BQWJQX5VIRS3B/Certificate+of+Achievement</image:loc>
      <image:title>Certified Ambassador Loan Processor (NAMP®-CALP)</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424467110097-C0JA9HIJ4QX9K40UHHHU/Register+Now%21</image:loc>
      <image:title>Certified Ambassador Loan Processor (NAMP®-CALP)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/privacy-policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-02-25</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-loan-processor-definition</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-04-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1576089451025-U9GDBCW92JPEQQ9Q5R2S/National+Association+of+Mortgage+Processors</image:loc>
      <image:title>Mortgage Loan Processor Definition</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/loan-processor-training</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1725891023341-U22Y2SIU5IL9TXWAML46/loan-processor.jpg</image:loc>
      <image:title>Loan Processor Training</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/loan-processor</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-11-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424876553761-J62B6YQHIA31NRMD402I/image-asset.jpeg</image:loc>
      <image:title>Loan Processor</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424876513195-L0VXOG8OW857Z9NFNIVH/image-asset.jpeg</image:loc>
      <image:title>Loan Processor</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/fha-loan-processor-training-classes</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2016-10-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424876003839-2QR5GWAIXES8H6RRUA3M/image-asset.jpeg</image:loc>
      <image:title>FHA Loan Processor Training Classes</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processing-news/category/mortgage-underwriting</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1491317055565-ABOX9KHILDJD80KNLSYG/Boot+camp</image:loc>
      <image:title>The Official NAMU® Underwriter Boot Camp™</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1426103100310-SJAN546BS35EQP047F19/Register+Now%21</image:loc>
      <image:title>The Official NAMU® Underwriter Boot Camp™</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/the-official-namp-processor-boot-camp</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1491316927424-NHXX9DG6QLSENSPVUXJH/Boot+camp</image:loc>
      <image:title>The Official NAMP® Processor Boot Camp™</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424463027437-NC2QGY42TGQR0KY8K07Q/Register+Now%21</image:loc>
      <image:title>The Official NAMP® Processor Boot Camp™</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/certified-master-loan-processor</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1468594502806-6RVCD9JIZONB0EMRNFWR/Certificate+of+Achievement</image:loc>
      <image:title>Certified Master Loan Processor (NAMP®-CMLP)</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424467039785-W5BBQ5GYIO7WZSUCE952/Register+Now%21</image:loc>
      <image:title>Certified Master Loan Processor (NAMP®-CMLP)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/contract-mortgage-processing</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-05-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1575928346887-ZSLLOQ3WPUYG8T216RUE/mortgage-processing.jpg</image:loc>
      <image:title>Contract Mortgage Processing</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1575928407843-WV9UAOY9TXULTC96YO75/National+Association+of+Mortgage+Processors%C2%AE</image:loc>
      <image:title>Contract Mortgage Processing</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/employers-recruiting-services</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1450194010386-MQYIPQC61F66F5CUYGO3/Mortgage.dog+-+Hunt+down+the+right+candidate</image:loc>
      <image:title>Recruiting Services (FOR EMPLOYERS)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/refund-policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-05-08</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/namp-membership-benefits</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-03-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1614284536054-9O85LUNV379A4NUCJ6B6/mortgage-underwriter-jobs-placement-resources.jpg</image:loc>
      <image:title>NAMP® Benefits</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1469114465032-3HC2KUUK2NG4E88VQV1Z/National+Association+of+Mortgage+Processors</image:loc>
      <image:title>NAMP® Benefits</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/specialoffers</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-02-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/43658e36-8904-43d9-88d1-bb2976bffce7/mortgage-underwriting-certification.jpg</image:loc>
      <image:title>Today's Special Offers</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1512054760560-N63O8D4ODQOR1X3W497P/Special+Offer+-+The+Official+NAMP%C2%AE+Processor+Bootcamp+is+on+Sale+Today%21+Click+to+Learn+more</image:loc>
      <image:title>Today's Special Offers</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1568921783582-KB0CITT8IBFF16VJCCB2/Jumbo+Underwriting+-+%22Everything+from+A+to+Z%22.+Click+to+Learn+More</image:loc>
      <image:title>Today's Special Offers</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1568921836883-M421C3S1CHFJBNQ9MMRL/Multi-Family+Underwriting+-+%22FHA%2FVA+Loans%22+%28Webinar%29.+Click+to+Learn+More</image:loc>
      <image:title>Today's Special Offers</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1568921699406-G8BHFEQTD4R72E6O74ER/Non-QM+Underwriting+-+%22From+A+to+Z%22.+Instructor-led+3-hour+webinar.+Click+to+Learn+More.</image:loc>
      <image:title>Today's Special Offers</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1568921737176-XF3IAGOUE731FFFXTH0M/Certified+Mortgage+Servicing+Specialist+%28NAMP%C2%AE-CMSS%29.+Click+to+Learn+More</image:loc>
      <image:title>Today's Special Offers</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1568920863835-P2F7UJTOCPJDL6YGMSNL/Certified+in+Mortgage+Regulatory+Compliance+%28NAMU%C2%AE-CMRC%29.+Click+to+Learn+More</image:loc>
      <image:title>Today's Special Offers</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1512056503805-6W5RISJ1JQNRMEQGYNW9/Buy+5+Classes+%26+Get+an+iPad+Mini+for+Free.+Click+to+Learn+More</image:loc>
      <image:title>Today's Special Offers</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1512054788696-W37JZDE2UIEYNKB4IYPL/DE+Underwriter+Prep+Package+is+on+Sale+Today%21+Click+to+Learn+More</image:loc>
      <image:title>Today's Special Offers</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1512054905890-J4P0ULZXADKP81XYC3P1/Special+Offer.+The+Official+NAMU%C2%AE+Underwriter+Bootcamp+is+on+Sale+Today%21+Click+to+Learn+More</image:loc>
      <image:title>Today's Special Offers</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1512070793947-EOYRW0TPBQQAIBGO3IRO/Buy+3+Classes+%26+Get+1+Class+for+FREE.+Click+to+Learn+More</image:loc>
      <image:title>Today's Special Offers</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/analysis-opinion</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-04-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1713274553811-KD2LLY9UC8GF3PEFFMCR/mortgage-underwriting-training-certification.jpg</image:loc>
      <image:title>Mortgage News - Featured Analysis &amp; Opinion Articles</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/instructors-apply-here</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1614284885458-0DGIQL6EOKPP1SK0KQRZ/processing.jpg</image:loc>
      <image:title>Instructors Apply Here</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/6b75a1d8-e225-4ce4-a84d-2b4eece7b832/mortgage-training-school.png</image:loc>
      <image:title>Instructors Apply Here - 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>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-jumpstart-package</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-06-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424463027437-NC2QGY42TGQR0KY8K07Q/Register+Now%21</image:loc>
      <image:title>Mortgage Jumpstart Package</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/certified-mortgage-servicing-specialist-namp-cmss</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1468594502806-6RVCD9JIZONB0EMRNFWR/Certificate+of+Achievement</image:loc>
      <image:title>Certified Mortgage Servicing Specialist (NAMP®-CMSS)</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1424467039785-W5BBQ5GYIO7WZSUCE952/Register+Now%21</image:loc>
      <image:title>Certified Mortgage Servicing Specialist (NAMP®-CMSS)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/namp-customer-testimonials-reviews</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1715265417421-NACEWIP6DUMZVHWVUTIH/mortgage-underwriting-training-certification.jpg</image:loc>
      <image:title>NAMP® Customer Reviews, Testimonials</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/about-the-instructors</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-02-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1575992360145-WFPZFK6E6T4BWUEC2ROY/campus-mortgage-instructors.jpg</image:loc>
      <image:title>About the Instructors</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/mortgage-processor-salary-salaries</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-02-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1614115716290-MO1W5KJYZDLFAOA20PC5/mortgage-underwriting-certification.jpg</image:loc>
      <image:title>Download FREE Processor Salary Guide</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-mortgage-loan-processor-training-classes</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/92bf4309-0024-4c0e-b06e-3ee86e8a57e9/mortgage-underwriting-certification.jpg</image:loc>
      <image:title>FREE Mortgage Loan Processor Training Classes</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/accessibility-statement</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-03-23</lastmod>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/faq-frequently-asked-questions</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/b6401c0b-428f-4356-87c7-f76fd0cf3f7f/Screen+Shot+2024-04-02+at+10.58.18+AM.png</image:loc>
      <image:title>FAQ - Frequently Asked Questions - 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>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/advertise-with-us</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-11-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1605199304681-6LFPXD69HZ192DY6S7S9/mortgage-education--training-classes.jpg</image:loc>
      <image:title>NAMP® - Advertise With Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1512604573830-ZJ2OWCBZWAPJB3HB95VW/mortgage-training-school.png</image:loc>
      <image:title>NAMP® - Advertise With Us</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/free-ask-the-instructor-videos</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-05-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1714590531943-P7BE3FAUIHRTQRZF8XLU/mortgage-underwriting-certification.jpg</image:loc>
      <image:title>FREE "Ask the Instructor" Videos</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/namp-certification-handbook</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1651255742546-TRSPTY5AUNHJGDO8W7W6/namp-logo-small.png</image:loc>
      <image:title>NAMP® Certification Handbook - 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>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/nasba-accreditation</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-09-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1655144744974-ZNKC7GQZ57WVXD1CVVN7/processing.jpg</image:loc>
      <image:title>NASBA Accreditation</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1662991091831-PRE537IAKCM71E1O30ED/image-asset.jpeg</image:loc>
      <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>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/find-mortgage-underwriter-jobs</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-03-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1710770467943-3WKVBRAZNCD8GOV26Z9C/mortgage-underwriting-training-certification.jpg</image:loc>
      <image:title>Find Mortgage Underwriter Jobs</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/download-namp-cmss-brochure</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1619464435839-Z5L0NFBFT3K1DNLZ2SY3/Download+PDF+Brochure</image:loc>
      <image:title>Download NAMP®-CMSS Brochure</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/download-contract-processor-bootcamp-brochure</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/1619464435839-Z5L0NFBFT3K1DNLZ2SY3/Download+PDF+Brochure</image:loc>
      <image:title>Download Contract Processor Bootcamp Brochure</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/is-namp-certification-worth-it</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/46c20aa9-c8b3-4503-93ff-d1266160a0aa/iStock-2186241294.jpg</image:loc>
      <image:title>Is NAMP Certification Worth It?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/what-does-a-loan-processor-do</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/70450c8a-8261-4ec8-9400-9a8a9ddab4be/iStock-2158074304.jpg</image:loc>
      <image:title>What Does a Loan Processor Do?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/7db6b2dc-1a07-4920-a0c7-39b19c054e62/what-does-a-loan-processor-do.png</image:loc>
      <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>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/loan-processor-certification-requirements</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/fc51611f-0db5-40ce-a3db-8fe01a3e42a6/iStock-1809276854.jpg</image:loc>
      <image:title>Loan Processor Certification Requirements</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/is-being-a-loan-processor-hard</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/c969fe08-795f-4398-b0aa-357c9e32ca77/iStock-1346563167.jpg</image:loc>
      <image:title>Is Being a Loan Processor Hard?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/step-by-step-roadmap-to-becoming-a-mortgage-processor</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-02-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/9706ff9e-2720-4893-84ba-272907363863/mortgage-underwriting-certification.jpg</image:loc>
      <image:title>Step-by-Step Roadmap to Becoming a Mortgage Processor</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/will-ai-replace-mortgage-processors</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/93a1f3e6-17d8-4ee9-9f61-7276099755d2/iStock-1934784038.jpg</image:loc>
      <image:title>Will AI Replace Mortgage Processors?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/sources-for-training-mortgage-processors</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/450dfeac-0892-4dd4-ba66-1f741fb3e570/iStock-2186241294.jpg</image:loc>
      <image:title>Sources for Training Mortgage Processors</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.mortgageprocessor.org/best-mortgage-loan-processing-certification-program</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-04-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/54e2576ae4b08bab4fc1700b/2b6295a1-0a30-47cf-acb6-da9aed9a9fb3/iStock-1934784038.jpg</image:loc>
      <image:title>Best Mortgage Loan Processing Certification Program?</image:title>
    </image:image>
  </url>
</urlset>

