<?xml version="1.0" encoding="UTF-8"?>
<!--
  ===========================================================================
   toberteammarketing.com  ·  sitemap
  ···························································································
   The pages we want in search results, and only those.

   Listed: the homepage, the three branded tool pages, and the terms page.

   Deliberately left out: the raw worksheet files under /calculators/. Those
   are the framed documents that live inside the tool pages. They are marked
   noindex in a meta tag and in an X·Robots·Tag header so that the branded
   /tools/ page is the single ranking URL for each calculator; listing them
   here would contradict that and split the ranking signal in two.

   lastmod reflects the date the page's content last changed in a way a
   reader would notice. Bump it when you edit that page's copy.
  ===========================================================================
-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Homepage: the practice, the proof bar, and the worksheet directory. -->
  <url>
    <loc>https://toberteammarketing.com/</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Real Rate Reveal: blended household rate vs. the mortgage rate alone. -->
  <url>
    <loc>https://toberteammarketing.com/tools/real-rate-reveal/</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Move Smart Bridge and Recast: using equity to move before selling. -->
  <url>
    <loc>https://toberteammarketing.com/tools/move-smart/</loc>
    <lastmod>2026-09-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Rate Keeper: keeping the low rate house and renting it out. -->
  <url>
    <loc>https://toberteammarketing.com/tools/rate-keeper/</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- Terms of Use: ownership, permitted use, and the reuse prohibition. -->
  <url>
    <loc>https://toberteammarketing.com/terms/</loc>
    <lastmod>2026-09-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
