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    <loc>https://www.treehousemortgagegroup.com/blog/blog-post-title-four-6ks83</loc>
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    <lastmod>2022-03-24</lastmod>
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      <image:title>Blog - Mortgage Interest Rates: Float vs. Lock Strategies - Make it stand out</image:title>
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    <loc>https://www.treehousemortgagegroup.com/blog/blog-post-title-one-rg26b</loc>
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    <lastmod>2022-03-24</lastmod>
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    <loc>https://www.treehousemortgagegroup.com/blog/blog-post-title-three-62r92</loc>
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    <lastmod>2022-03-24</lastmod>
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    <loc>https://www.treehousemortgagegroup.com/home</loc>
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    <lastmod>2026-03-03</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/8e75ede3-0cee-49ce-8862-03617df04b58/group.PNG</image:loc>
      <image:title>Home - Who We Are</image:title>
      <image:caption>TreeHouse Mortgage Group has a proven track record of doing what we do best: getting results. With turnaround times in as little as three weeks and customized loan products to fit almost every need, we have helped countless homeowners obtain the funding they need for their homes.</image:caption>
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      <image:title>Home - Loan Process</image:title>
      <image:caption>Obtaining a mortgage is a crucial step in purchasing your first home, and there are several factors for choosing the most appropriate one. While the myriad of financing options available for first-time homebuyers can seem overwhelming, taking the time to research the basics of property financing can save you a significant amount of time and money.</image:caption>
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      <image:title>Home - Do’s and Don’ts</image:title>
      <image:caption>When you’re ready to get a home loan, it can help to have as much information about the mortgage process as possible. That way you can take the right steps towards getting your loan, and hopefully avoid some of the more common pitfalls along the way. To help you reach your goal of homeownership, here’s a list of dos and don’ts as you start with the process of getting a home loan and buying a home.</image:caption>
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    <loc>https://www.treehousemortgagegroup.com/heidi-daunt</loc>
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    <lastmod>2025-10-10</lastmod>
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      <image:title>Heidi Daunt</image:title>
      <image:caption>HEIDI DAUNT | NMLS#: 214846 I CALDRE LICENSE#: 01004544 I BRANCH MANAGER/LOAN OFFICER | LICENSED IN CA</image:caption>
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    <loc>https://www.treehousemortgagegroup.com/jan-burnett</loc>
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    <lastmod>2025-10-10</lastmod>
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      <image:title>Jan Burnett</image:title>
      <image:caption>JAN BURNETT I NMLS#: 214658 I LOAN OFFICER I LICENSED IN CA</image:caption>
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  <url>
    <loc>https://www.treehousemortgagegroup.com/stefani-souza</loc>
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    <lastmod>2026-03-19</lastmod>
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      <image:title>Stefani Souza</image:title>
      <image:caption>STEFANI SOUZA I NMLS#: 1784336 I Mortgage Consultant &amp; Loan Processor I LICENSED IN CA, OR &amp; TN</image:caption>
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  <url>
    <loc>https://www.treehousemortgagegroup.com/carrie-westmore</loc>
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    <lastmod>2022-03-22</lastmod>
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      <image:title>Carrie Westmore</image:title>
      <image:caption>CARRIE WESTMORE I PROCESSING MANAGER</image:caption>
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    <loc>https://www.treehousemortgagegroup.com/joann-henley</loc>
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    <lastmod>2022-03-22</lastmod>
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      <image:title>Joann Henley</image:title>
      <image:caption>JOANN HENLEY I OPERATIONS MANAGER</image:caption>
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      <image:title>What is Reverse Mortgage?</image:title>
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      <image:title>What is Reverse Mortgage?</image:title>
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      <image:title>What is Reverse Mortgage?</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/f7f82326-f372-49a6-924c-9f9988030306/real-estate-agent-present-property-house.jpg</image:loc>
      <image:title>Getting Pre-Approved - What are your goals?</image:title>
      <image:caption>When it comes to your house it helps to determine how much house you can afford before you apply for a home mortgage loan. Our loan officers will guide you to help you determine your short-term and long-term home buying goals.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/21fffd37-e9e9-474f-b863-66dff8ae5773/broker-giving-keys.jpg</image:loc>
      <image:title>Getting Pre-Approved - Choosing your professionals.</image:title>
      <image:caption>When you’re ready to buy a house, choosing the right realtor and mortgage lender are two of the most important components to securing your new home. Our loan officers will discuss with you how professionals can help, including what qualities to look for, setting your expectations to work with them and determining how they prioritize your needs throughout the home buying process.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/25d41136-74ed-4eca-af47-64b78f8a6d87/estate-agent-are-presenting-home-loan-giving-house-client-after-discussing-signing-agreement-contract-with-approved-application-form-home-insurance-real-estate-investment-concept.jpg</image:loc>
      <image:title>Getting Pre-Approved - Filling out your loan application.</image:title>
      <image:caption>When filling out your mortgage application, you’ll need documentation to let your lender know how much you make, how much you have in savings, what debt you have and many other things, such as your work history.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/d866e595-e42a-462f-89dc-0f19892e92b8/house-model-with-real-estate-agent-customer-discussing-contract-buy-house-insurance-loan-real-estate-background.jpg</image:loc>
      <image:title>Getting Pre-Approved - Gathering documentation.</image:title>
      <image:caption>When it comes to filling out your home loan application, documentation is very important because that’s how you show that you can pay back your mortgage. Our loan officers will discuss to you the documentation that you’ll need to gather in order to verify that you have the money and make the money you need to be pre-approved for the loan amount you want to secure your new home.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/5fe24cfa-54d2-4f8c-8bba-13d43e249c3f/credit-score-financial-banking-economy-concept.jpg</image:loc>
      <image:title>Getting Pre-Approved - Credit check.</image:title>
      <image:caption>Your credit report is a history of your financial behavior and habits. And it’s an essential part of getting pre-approved for a home mortgage loan. In order to be pre-approved for a loan to purchase your house, your credit report and your credit score will determine what debts you have and what your track record is like for paying them back. Our loan officers will tell you more what a credit report and scores are, who you should allow to pull your credit and when, and why your credit history matters.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/1649788574850-XEKFU4Y7JZR935D5N6VW/Core%2BValue%2BIcon%2B-%2B%2BRespect.jpg</image:loc>
      <image:title>Core Values</image:title>
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      <image:title>Core Values</image:title>
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      <image:title>Core Values</image:title>
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    <lastmod>2022-04-12</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/df37c31e-2ab5-4efe-bf76-6e901ba25707/Kat.jpg</image:loc>
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      <image:caption>KATRINA LUND I VA MANAGER / LOAN PROCESSOR</image:caption>
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    <loc>https://www.treehousemortgagegroup.com/refinance</loc>
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    <lastmod>2022-05-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/f0085f34-303e-48b2-a0e4-f445990c8df1/business-man-is-stacking-coins-top-coin-pile-highest-row-placing-coins-row-from-low-high-is-comparable-saving-money-grow-more-money-saving-ideas-investing-funds.jpg</image:loc>
      <image:title>Refinance</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/4c9b6aee-1b6e-46b4-a7a8-af25d03850a6/houses-resting-pound-coin-stacks-home-mortgage-concept.jpg</image:loc>
      <image:title>Refinance - Refinance Your Mortgage And Start Saving.</image:title>
      <image:caption>Do you know what a mortgage refinance can do for you? Refinancing can be a great tool to increase your monthly cash flow by resetting your mortgage terms with a lower interest rate, or an extended term to lower your monthly payment. Refinancing can also be a helpful tool to restructure existing debt, or consolidate your first and second mortgage into one. Your goals matter, and the loan advisers at Treehouse Mortgage Group can work with you to create a refinance package that makes the most financial sense to you. Tell us what you would like to accomplish, and we will walk you through the refinance process with the information and guidance you need from start to finish.</image:caption>
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    <lastmod>2022-05-06</lastmod>
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  <url>
    <loc>https://www.treehousemortgagegroup.com/conventional-loans</loc>
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    <lastmod>2022-07-14</lastmod>
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    <lastmod>2022-05-06</lastmod>
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    <loc>https://www.treehousemortgagegroup.com/fha-home-loans</loc>
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    <lastmod>2022-07-14</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/0e0ef4fa-ccef-4152-8f27-3c1fb4a6268a/happy-real-estate-agent-having-meeting-with-young-couple-pointing-place-signature-their-contract.jpg</image:loc>
      <image:title>FHA Home Loans - FHA Benefits</image:title>
      <image:caption>Ideal for first-time buyers Lower down payments and gift funds allowed More flexible qualifying guidelines Available for purchase or refinance, fixed or adjustable-rate</image:caption>
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    <loc>https://www.treehousemortgagegroup.com/which-mortgage-option-is-for-you</loc>
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    <lastmod>2022-07-14</lastmod>
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    <lastmod>2022-05-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/63dfe526-6497-4cdc-87ca-d2303f7f0bac/happy-military-family-with-home-drawing.jpg</image:loc>
      <image:title>VA Home Loans - Qualifying for a VA Loan</image:title>
      <image:caption>Veterans, actively serving military personnel, and surviving spouses of veterans qualify for a VA loan with suitable credit, adequate income, and a valid Certificate of Eligibility.</image:caption>
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    <image:image>
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      <image:title>VA Home Loans - First-time Buyers</image:title>
      <image:caption>Veterans purchasing their first home can qualify for more homes thanks to no requirement for mortgage insurance. The VA doesn’t require a downpayment, and homebuyers can even purchase a home that needs repairs or remodeling and include the costs of those repairs into the VA loan, up to 103.15%*.</image:caption>
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    <image:image>
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      <image:title>VA Home Loans - Streamlined Refinance</image:title>
      <image:caption>The VA offers a Streamlined Refinance to lower the interest rates of many veterans without having to re-qualify. The VA mortgage is an incredible program that honors our heroes. The amazing benefits to buyers or borrowers cannot be matched by any other loan program. Purchase a home with no money down, borrow 100 percent of the value of the home or more, qualify with lenient guidelines, and avoid mortgage insurance requirements with a VA loan.</image:caption>
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    <loc>https://www.treehousemortgagegroup.com/buying-a-home</loc>
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    <lastmod>2022-05-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/1651794333963-FCQN177P13LLH1IOBTW1/happy-financial-consultant-greeting-his-clients-while-meeting-them-their-home-me-are-shaking-hands.jpg</image:loc>
      <image:title>Buying a Home</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/1651794454099-GFJAC7Y7UHFF6YAXGU3R/couple-moving-their-new-home.jpg</image:loc>
      <image:title>Buying a Home</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/1651794535374-4XEEZIGI1RF11ZIQ9TGG/young-couple-husband-with-wife-home-kitchen-happy-smile-laugh-drink-coffee-morning.jpg</image:loc>
      <image:title>Buying a Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/1651794618823-0V63VFE70MW91748X3BK/young-couple-examining-blueprints-with-real-estate-agent-while-buying-new-home.jpg</image:loc>
      <image:title>Buying a Home</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.treehousemortgagegroup.com/matt-crandell</loc>
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    <lastmod>2025-10-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/1691165e-b635-4ac4-ac76-5fe2075aa491/Me+-+Suit.jpg</image:loc>
      <image:title>Matt Crandell</image:title>
      <image:caption>Matt Crandell | NMLS# 1495908 I Heidi Daunt’s Production Partner | Mortgage Consultant | LICENSED IN CA</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.treehousemortgagegroup.com/erin-king</loc>
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    <priority>0.75</priority>
    <lastmod>2025-10-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6234a55e8af48a1c8f89aa27/53fa5125-cb4d-419c-8077-f7a349200018/ERIN+2023+group+photo.jpg</image:loc>
      <image:title>Erin King</image:title>
      <image:caption>Erin King I NMLS#: 988111 I LOAN OFFICER I LICENSED IN CA</image:caption>
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    <loc>https://www.treehousemortgagegroup.com/store</loc>
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