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  <!-- Core pages -->
  <url>
    <loc>https://nextdutyvet.com/</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <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/rates</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- State hubs -->
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-ohio-2026</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-maryland-2026</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-florida-2026</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-tennessee-2026</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Advisory content pages -->
  <url>
    <loc>https://nextdutyvet.com/veteran-debt-consolidation</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/veteran-debt-consolidation-ohio</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/cash-out-refinance</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/military-debt-consolidation</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-cash-out-refinance-credit-card-debt</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-home-equity-debt-consolidation</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Legislative/news pages -->
  <url>
    <loc>https://nextdutyvet.com/hr-6047-va-home-loan-eligibility</loc>
    <lastmod>2026-06-02</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Decision-stage evergreen guides -->
  <url>
    <loc>https://nextdutyvet.com/should-i-refinance-va-loan-2026</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-break-even-calculator-explained</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-cash-out-refinance-vs-irrrl</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-loan-entitlement-reuse-explained</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-disability-funding-fee-impact</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-loan-after-forbearance-or-hardship</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-loan-after-foreclosure-or-bankruptcy</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-assumable-loan-analysis</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/when-not-to-refinance-va-loan</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-refinance-lower-payment-vs-total-cost</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Ohio metro pages -->
  <url>
    <loc>https://nextdutyvet.com/va-refinance-columbus-oh</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-refinance-dayton-oh</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-refinance-cincinnati-oh</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-columbus-oh</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-dayton-oh</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-cincinnati-oh</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Maryland metro + city pages -->
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-annapolis-md</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-baltimore-md</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-aberdeen-md</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-dc-suburbs-md</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Florida city pages -->
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-fort-walton-beach-fl</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-jacksonville-fl</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-panama-city-fl</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-pensacola-fl</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-irrrl-tampa-fl</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Base-anchored geo pages — FL -->
  <url>
    <loc>https://nextdutyvet.com/va-loans-macdill-afb</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-loans-jacksonville-nas</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-loans-eglin-afb</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-loans-nas-pensacola</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-loans-tyndall-afb</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Base-anchored geo pages — OH -->
  <url>
    <loc>https://nextdutyvet.com/va-loans-wright-patterson</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Base-anchored geo pages — MD -->
  <url>
    <loc>https://nextdutyvet.com/va-loans-fort-meade</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-loans-jb-andrews</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-loans-aberdeen-proving-ground</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-loans-nas-patuxent-river</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-loans-walter-reed-bethesda</loc>
    <lastmod>2026-05-12</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- Equity + Entitlement cluster -->
  <url>
    <loc>https://nextdutyvet.com/home-equity-without-refinancing</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/second-vs-heloc-vs-cash-out</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/keep-your-low-rate-get-cash</loc>
    <lastmod>2026-06-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/second-mortgage-behind-va-loan</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/two-va-loans-at-once</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-entitlement-restoration</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/disabled-veteran-funding-fee-exemption</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Batch 2 — Tier 1 (2026-06-05) -->
  <url>
    <loc>https://nextdutyvet.com/disabled-veteran-property-tax-exemption</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/disabled-veteran-property-tax-exemption-florida</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/disabled-veteran-property-tax-exemption-ohio</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/disabled-veteran-property-tax-exemption-tennessee</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/va-streamline-refinance</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Phase 1 foundation (2026-06-07) -->
  <url>
    <loc>https://nextdutyvet.com/author/chad-evers</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://nextdutyvet.com/editorial-policy</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>yearly</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/source-library</loc>
    <lastmod>2026-06-07</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.3</priority>
  </url>

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