<?xml version="1.0" encoding="UTF-8"?>
<!-- offerprep.com sitemap, matched to the built pages (flow QA 2026-10-17). Thank-you pages are excluded on purpose (noindex).
     Not built yet, so not listed: /dscr, /cashout, /contact, and the nine /downloads/<guide> landing pages (the library lives on /downloads). -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url><loc>https://offerprep.com/</loc><lastmod>2026-10-17</lastmod></url>
  <url><loc>https://offerprep.com/guides</loc><lastmod>2026-10-17</lastmod></url>
  <url><loc>https://offerprep.com/guides/escrow-refunds-and-waiving-escrow</loc><lastmod>2026-10-17</lastmod></url>
  <url><loc>https://offerprep.com/downloads</loc><lastmod>2026-10-17</lastmod></url>
  <url><loc>https://offerprep.com/about</loc><lastmod>2026-10-17</lastmod></url>
  <url><loc>https://offerprep.com/privacy</loc><lastmod>2026-10-17</lastmod></url>
  <url><loc>https://offerprep.com/terms</loc><lastmod>2026-10-17</lastmod></url>
  <url><loc>https://offerprep.com/guides/how-lending-works</loc><lastmod>2026-10-24</lastmod></url>
  <url><loc>https://offerprep.com/guides/who-does-what-in-a-mortgage</loc><lastmod>2026-10-24</lastmod></url>
  <url><loc>https://offerprep.com/guides/how-preapproval-works</loc><lastmod>2026-10-24</lastmod></url>
  <url><loc>https://offerprep.com/guides/loan-types-explained</loc><lastmod>2026-10-24</lastmod></url>
  <url><loc>https://offerprep.com/guides/reading-your-loan-estimate</loc><lastmod>2026-10-24</lastmod></url>
  <url><loc>https://offerprep.com/guides/rate-locks-explained</loc><lastmod>2026-10-24</lastmod></url>
  <url><loc>https://offerprep.com/guides/underwriting-to-closing-timeline</loc><lastmod>2026-10-24</lastmod></url>
  <url><loc>https://offerprep.com/guides/questions-to-ask-a-lender</loc><lastmod>2026-10-24</lastmod></url>
  <url><loc>https://offerprep.com/guides/how-to-shop-mortgage-rates</loc><lastmod>2026-10-24</lastmod></url>
  <url><loc>https://offerprep.com/tools/compare-loan-estimates</loc><lastmod>2026-10-24</lastmod></url>
</urlset>
