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  <!-- NDV publication sitemap (Path A publication rebuild, 2026-07-21).
       VA mortgage content migrated to viadorpartners.com/veterans/.
       Funnel surfaces (/brief/{state}, /brief/thanks, /structure, /thank-you,
       /lp/*) are noindex and deliberately excluded. 29 URLs. -->

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  <!-- State hubs -->
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    <lastmod>2026-07-21</lastmod>
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    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- Standing guides -->
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    <lastmod>2026-07-13</lastmod>
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  <url>
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  <url>
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    <lastmod>2026-06-11</lastmod>
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    <priority>0.6</priority>
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  <!-- Restored to NDV 2026-08-12 (Tier 1 structural restore). Previously 301'd
       to viadorpartners.com/veterans/; redirects removed, pages serve 200. -->
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    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <!-- Options review -->
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    <loc>https://nextdutyvet.com/va-loan-second-opinion</loc>
    <lastmod>2026-08-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Publication and editorial -->
  <url>
    <loc>https://nextdutyvet.com/about</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/author/chad-evers</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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    <lastmod>2026-07-21</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
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  <url>
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    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/methodology</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/corrections</loc>
    <lastmod>2026-07-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
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