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  <!-- Core pages -->
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    <loc>https://nextdutyvet.com/</loc>
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  <url>
    <loc>https://nextdutyvet.com/about</loc>
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  <url>
    <loc>https://nextdutyvet.com/rates</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
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  <!-- State hubs -->
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    <loc>https://nextdutyvet.com/va-irrrl-ohio-2026</loc>
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  <!-- Advisory content pages -->
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    <loc>https://nextdutyvet.com/veteran-debt-consolidation</loc>
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    <changefreq>monthly</changefreq>
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  <!-- Decision-stage evergreen guides -->
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    <loc>https://nextdutyvet.com/should-i-refinance-va-loan-2026</loc>
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  <url>
    <loc>https://nextdutyvet.com/when-not-to-refinance-va-loan</loc>
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  <!-- Ohio metro pages -->
  <url>
    <loc>https://nextdutyvet.com/va-refinance-columbus-oh</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-05-12</lastmod>
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    <priority>0.7</priority>
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  <!-- Maryland metro + city pages -->
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-annapolis-md</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
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    <lastmod>2026-05-12</lastmod>
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    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Florida city pages -->
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    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://nextdutyvet.com/va-irrrl-tampa-fl</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <!-- Base-anchored geo pages — FL -->
  <url>
    <loc>https://nextdutyvet.com/va-loans-macdill-afb</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
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    <loc>https://nextdutyvet.com/va-loans-eglin-afb</loc>
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    <priority>0.7</priority>
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  <!-- Base-anchored geo pages — OH -->
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    <loc>https://nextdutyvet.com/va-loans-wright-patterson</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
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  <!-- Base-anchored geo pages — MD -->
  <url>
    <loc>https://nextdutyvet.com/va-loans-fort-meade</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://nextdutyvet.com/va-loans-jb-andrews</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
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    <loc>https://nextdutyvet.com/va-loans-aberdeen-proving-ground</loc>
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    <loc>https://nextdutyvet.com/va-loans-walter-reed-bethesda</loc>
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