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		<lastmod>2021-03-11T18:49:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-still-rising-march-18-2021/</loc>
		<lastmod>2021-03-18T18:09:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/what-affects-mortgage-rates-march-25-2021/</loc>
		<lastmod>2021-03-25T13:54:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-little-changed-april-1-2021/</loc>
		<lastmod>2021-04-01T17:08:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-drop-a-bit-purchase-demand-strong-april-8-2021/</loc>
		<lastmod>2021-04-08T17:10:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/good-times-may-6-2021/</loc>
		<lastmod>2021-05-06T17:28:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rate-history-in-2021-may-7-2021/</loc>
		<lastmod>2021-05-07T16:52:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-still-low-for-refinancing-may-27-2021/</loc>
		<lastmod>2021-05-27T17:15:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-and-home-prices-june-3-2021/</loc>
		<lastmod>2021-06-03T17:16:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/conforming-loan-limits-increase-november-2-2021/</loc>
		<lastmod>2021-11-02T17:46:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-on-the-rise-january-11-2022/</loc>
		<lastmod>2022-01-11T21:36:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-credit-still-tight-through-covid-pandemic-january-12-2022/</loc>
		<lastmod>2022-01-12T18:02:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/2022-mortgage-loan-forecast-january-18-2022/</loc>
		<lastmod>2022-01-18T17:51:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-in-2022-january-24-2022/</loc>
		<lastmod>2022-01-24T23:02:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-higher-february-9-2022/</loc>
		<lastmod>2022-02-09T17:33:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-holding-steady-this-week-february-17-2022/</loc>
		<lastmod>2022-02-17T16:28:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-bankers-association-mortgage-forecast-feb-28-2022/</loc>
		<lastmod>2022-02-28T17:51:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-and-ukraine-crisis-february-28-2022/</loc>
		<lastmod>2022-02-28T22:43:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-are-rising-fast-march-14-2022/</loc>
		<lastmod>2022-03-14T22:12:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-are-extremely-volatile-march-25-2022/</loc>
		<lastmod>2022-03-25T16:03:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-holding-steady-march-29-2022/</loc>
		<lastmod>2022-03-29T17:22:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/1405-2/</loc>
		<lastmod>2022-04-07T15:55:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-continue-to-rise-april-19-2022/</loc>
		<lastmod>2022-04-19T15:09:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/high-rates-and-builder-confidence-april-19-2022/</loc>
		<lastmod>2022-04-19T15:18:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-high-but-steady-may-4-2022/</loc>
		<lastmod>2022-05-04T16:39:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/finally-a-good-day-for-mortgage-rates-may-10-2022/</loc>
		<lastmod>2022-05-10T16:13:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-more-stable-may-17-2022/</loc>
		<lastmod>2022-05-17T15:31:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/challenges-in-new-home-construction-may-18-2022/</loc>
		<lastmod>2022-05-18T21:41:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-moving-lower-may-25-2022/</loc>
		<lastmod>2022-05-25T15:29:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/a-slow-down-for-mortgage-applications-may-26-2022/</loc>
		<lastmod>2022-05-26T18:21:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-applications-decline-june-1-2022/</loc>
		<lastmod>2022-06-02T15:29:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/severe-housing-shortages-continue-june-7-2022/</loc>
		<lastmod>2022-06-07T15:17:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/housing-inventory-better-june-8-2022/</loc>
		<lastmod>2022-06-08T15:29:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-hit-new-highs-june-13-2022/</loc>
		<lastmod>2022-06-13T21:39:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/home-sales-starting-to-slow-down-june-22-2022/</loc>
		<lastmod>2022-06-22T14:35:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-finally-heading-lower-july-1-2022/</loc>
		<lastmod>2022-07-01T15:30:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-applications-slowing-july-28-2022/</loc>
		<lastmod>2022-07-28T17:02:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-trending-higher-august-22-2022/</loc>
		<lastmod>2022-08-22T15:01:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-holding-steady-august-31-2022/</loc>
		<lastmod>2022-08-31T15:42:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-at-20-year-highs-september-27-2022/</loc>
		<lastmod>2022-09-27T14:56:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-applications-are-way-down-september-29-2022/</loc>
		<lastmod>2022-09-29T20:39:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-applications-at-25-year-low-october-6-2022/</loc>
		<lastmod>2022-10-06T21:11:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/triple-whammy-for-housing-market-october-11-2022/</loc>
		<lastmod>2022-10-11T17:35:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/home-prices-declining-a-little-october-26-2022/</loc>
		<lastmod>2022-10-26T16:46:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-up-mortgage-applications-down-october-27-2022/</loc>
		<lastmod>2022-10-27T15:40:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/does-the-federal-reserve-affect-mortgage-interest-rates-november-1-2022/</loc>
		<lastmod>2022-11-01T16:53:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/where-are-mortgage-rates-going-november-9-2022/</loc>
		<lastmod>2022-11-09T16:42:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-going-down-finally-november-15-2022/</loc>
		<lastmod>2022-11-15T17:09:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-are-lower-december-2-2022/</loc>
		<lastmod>2022-12-02T16:35:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/consumer-homebuying-and-selling-sentiment-december-7-2022/</loc>
		<lastmod>2022-12-07T23:28:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-are-boring-this-week-but-december-9-2022/</loc>
		<lastmod>2022-12-09T18:13:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-unchanged-from-fed-move-december-15-2022/</loc>
		<lastmod>2022-12-15T17:32:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/whats-ahead-in-2023-january-18-2023/</loc>
		<lastmod>2023-01-18T19:02:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-rise-again-february-15-2023/</loc>
		<lastmod>2023-02-15T17:48:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-are-climbing-march-2-2023/</loc>
		<lastmod>2023-03-02T20:11:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/big-moves-for-interest-rates-march-14-2023/</loc>
		<lastmod>2023-03-14T15:40:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/federal-reserve-meetings-and-mortgage-rates-march-21-2023/</loc>
		<lastmod>2023-03-21T15:11:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/fed-raises-rates-mortage-rates-improve-slightly-march-22-2023/</loc>
		<lastmod>2023-03-22T20:36:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-moving-higher-march-29-2023/</loc>
		<lastmod>2023-03-29T15:16:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-back-up-april-11-2023/</loc>
		<lastmod>2023-04-11T15:41:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rate-changes-based-on-credit-score-april-24-2023/</loc>
		<lastmod>2023-04-24T16:29:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-climbing-higher-may-22-2023/</loc>
		<lastmod>2023-05-22T22:50:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/homeowners-and-their-interest-rates-june-21-2023/</loc>
		<lastmod>2023-06-21T16:12:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/fed-raises-rates-july-27-2023/</loc>
		<lastmod>2023-07-27T16:52:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-highest-this-year-august-15-2023/</loc>
		<lastmod>2023-08-15T15:25:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-hit-22-year-high-9-26-2023/</loc>
		<lastmod>2023-09-26T15:48:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-near-8-0-october-19-2023/</loc>
		<lastmod>2023-10-19T13:52:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-holding-steady-november-11-2023/</loc>
		<lastmod>2023-11-21T16:46:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/new-higher-loan-limits-november-29-2023/</loc>
		<lastmod>2023-11-29T17:44:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-going-down-december-6-2023/</loc>
		<lastmod>2023-12-06T17:40:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/boring-start-to-2024-for-mortgage-rates-january-8-2024/</loc>
		<lastmod>2024-01-08T22:44:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/will-the-fed-cut-rates-soon-january-9-2024/</loc>
		<lastmod>2024-01-09T16:32:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/check-credit-score-buy-first-home-september-6-2017/</loc>
		<lastmod>2024-01-24T01:23:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/first-fed-meeting-of-2024-january-31-2024/</loc>
		<lastmod>2024-01-31T21:18:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-move-sharply-higher-february-6-2024/</loc>
		<lastmod>2024-02-06T17:49:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/new-housing-looking-better-february-21-2024/</loc>
		<lastmod>2024-02-21T17:34:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-back-on-the-rise-february-22-2024/</loc>
		<lastmod>2024-02-22T16:52:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-weather-the-cpi-storm-march-13-2024/</loc>
		<lastmod>2024-03-13T17:37:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-higher-to-start-april-april-2-2024/</loc>
		<lastmod>2024-04-02T15:45:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/should-you-buy-a-home-now-or-wait-may-20-2024/</loc>
		<lastmod>2024-05-20T19:48:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-on-the-rise-may-24-2024/</loc>
		<lastmod>2024-05-24T16:06:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/will-the-fed-lower-rates-ever-june-14-2024/</loc>
		<lastmod>2024-06-14T15:33:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/will-mortgage-rates-go-down-this-year-july-3-2024/</loc>
		<lastmod>2024-07-03T16:15:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/will-mortgage-rates-lower-after-the-fed-meets-september-6-2024/</loc>
		<lastmod>2024-09-06T22:21:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-higher-after-fed-cut-september-26-2024/</loc>
		<lastmod>2024-09-26T15:29:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-back-to-july-highs-october-22-2024/</loc>
		<lastmod>2024-10-22T16:18:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-in-review-january-2-2025/</loc>
		<lastmod>2025-01-02T21:00:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-interest-rates-in-review-january-10-2025/</loc>
		<lastmod>2025-01-10T18:26:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-market-update-april-6-2025/</loc>
		<lastmod>2025-05-06T18:51:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/will-mortgage-rates-go-down-september-3-2025/</loc>
		<lastmod>2025-09-03T16:48:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/the-fed-cut-rates-why-arent-mortgage-rates-going-down-sept-17-2025/</loc>
		<lastmod>2025-09-17T21:39:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/october-mortgage-rate-forecast-10-1-2025/</loc>
		<lastmod>2025-10-01T16:47:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/will-mortgage-rates-go-down-in-december-nov-12-2025/</loc>
		<lastmod>2025-11-12T21:09:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/the-fed-rate-cut-and-mortgage-rates-december-11-2025/</loc>
		<lastmod>2025-12-11T19:18:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rate-doldrums-december-15-2025/</loc>
		<lastmod>2025-12-15T21:11:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/interest-rate-forecast-2026-january-6-2026/</loc>
		<lastmod>2026-01-06T21:56:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-up-higher-with-global-concerns-march-5-2026/</loc>
		<lastmod>2026-03-05T22:17:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/what-happened-to-mortgage-rates-march-31-2026/</loc>
		<lastmod>2026-03-31T20:00:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/mortgage-rates-and-oil-april-8-2026/</loc>
		<lastmod>2026-04-08T15:54:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/is-the-iran-war-affecting-mortgage-interest-rates-july-13-2026/</loc>
		<lastmod>2026-07-13T21:43:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://mikeshoremortgage.com/new-legislation-seeks-to-lower-cost-of-homeownership-july-17-2026/</loc>
		<lastmod>2026-07-17T16:31:29+00:00</lastmod>
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