<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//heartmortgage.com/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://heartmortgage.com/</loc>
		<lastmod>2025-11-21T13:25:48+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/elementor/thumbs/UWM2502-r0zb28nqr3rrfzk6mo426vnksrmnqt4e4993oguxgo.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/elementor/thumbs/BB-Americas2503-r0zb28nqr3rrfzk6mo426vnksrmnqt4e4993oguxgo.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/elementor/thumbs/Bradesco250-r0zb28nqr3rrfzk6mo426vnksrmnqt4e4993oguxgo.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/elementor/thumbs/Acra2502-r0zb28nqr3rrfzk6mo426vnksrmnqt4e4993oguxgo.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/elementor/thumbs/Homebridge250-r0zb28nqr3rrfzk6mo426vnksrmnqt4e4993oguxgo.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/elementor/thumbs/Prmg2502-r0zb28nqr3rrfzk6mo426vnksrmnqt4e4993oguxgo.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/elementor/thumbs/HomeXpress250-r0zb28nqr3rrfzk6mo426vnksrmnqt4e4993oguxgo.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/elementor/thumbs/Caliber250-r0zb28nqr3rrfzk6mo426vnksrmnqt4e4993oguxgo.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/elementor/thumbs/FGMC250-r0zb28nqr3rrfzk6mo426vnksrmnqt4e4993oguxgo.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/01/Untitled-4.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/01/happy-couple-analyzing-their-home-budget-while-paying-bill-computer-scaled.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/01/pexels-august-de-richelieu-4259140-1024x683.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/02/freelance-woman-working-with-laptop-coffee-shop-scaled-e1739896179945-978x1024.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/01/gugubor_Create_a_highly_realistic_and_elegant_living_room_inter_017c386f-5e85-4fff-881d-bf036d0176b7.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/loan-officers/</loc>
		<lastmod>2026-05-06T13:49:29+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/02/DSC09202-scaled-e1740598171275-1024x1024.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/02/Fotos-Loan-Officers-1-1024x1024.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/05/Brad-Pimentel-1024x1024.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/07/Foto-Carla-1024x1024.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/10/Fotos-Loan-Officers-1024x1024.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/07/Fotos-Loan-Officers-1024x1024.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/07/Foto-Elaine.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/07/Fotos-JP-1024x1024.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/07/Foto-Leo-Martins2-1024x1024.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/07/upscalemedia-transformed-1-1024x1024.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/07/DSC09674-scaled-e1753364705491-1024x1024.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/02/Fotos-Loan-Officers-1024x1024.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/08/Foto-Natalie-1024x1024.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/07/Foto-Rodrigo-1024x1024.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/03/DSC09577-scaled-e1742481936248-1024x1024.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/07/Foto-Thai-1024x1024.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/02/b170870007dfa419295d949814474ab2_t.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/loan-officers/brad-pimentel/</loc>
		<lastmod>2026-04-27T20:32:40+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/04/Brad-Pimentel-1024x1024.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/mortgage-process/</loc>
		<lastmod>2026-03-06T17:32:00+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/ChatGPT-Image-Dec-23-2025-03_53_49-PM-e1766593485889.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/ChatGPT-Image-Dec-23-2025-03_53_49-PM-e1766593485889.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/ChatGPT-Image-Dec-23-2025-03_54_05-PM-e1766593444291.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/ChatGPT-Image-Dec-23-2025-03_58_22-PM-e1766593404662.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/ChatGPT-Image-Dec-23-2025-03_58_22-PM-e1766593404662.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/ChatGPT-Image-Dec-23-2025-04_15_24-PM.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/Untitled-design-37.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/Untitled-design-37.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/Untitled-design-38.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/Untitled-design-37-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/Untitled-design-37-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/Untitled-design-41.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/Untitled-design-40.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/Untitled-design-40.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/loan-officers/cilla-oliveira/</loc>
		<lastmod>2026-03-05T20:53:49+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/10/Fotos-Loan-Officers-1024x1024.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/02/Screenshot-2026-02-20-102329.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/02/Screenshot-2026-02-20-160742.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/02/Screenshot-2026-02-20-160825.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/02/Screenshot-2026-02-20-160904.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/02/Screenshot-2026-02-20-160918.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/02/Screenshot-2026-02-20-160931.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/02/Screenshot-2026-02-20-160806.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/03/unnamed.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/03/unnamed-1.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/03/unnamed-2.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/03/unnamed-3.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/03/unnamed-4.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/03/unnamed-6.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/03/unnamed-5.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/03/unnamed-7.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/pre-qualification-form/</loc>
		<lastmod>2026-03-05T20:40:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://heartmortgage.com/loan-officers/andrea-abdala/</loc>
		<lastmod>2026-02-24T15:40:57+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/02/Fotos-Loan-Officers-1-1024x1024.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/loan-officers/marco-mussi/</loc>
		<lastmod>2026-02-24T15:37:25+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2026/02/Fotos-Loan-Officers-1024x1024.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/contact-us/</loc>
		<lastmod>2026-01-27T20:10:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://heartmortgage.com/programs/</loc>
		<lastmod>2026-01-22T14:32:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://heartmortgage.com/accept-offer/</loc>
		<lastmod>2025-12-23T20:09:10+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/ChatGPT-Image-Dec-23-2025-02_43_54-PM.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/1-1024x1024.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/ChatGPT-Image-Dec-23-2025-02_44_00-PM.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/12/2-1024x1024.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/loan-officers/natalie-souza/</loc>
		<lastmod>2025-08-04T20:07:34+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/08/Foto-Natalie-1024x1024.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/loan-officers/thai-nunes/</loc>
		<lastmod>2025-08-01T16:04:58+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/07/Foto-Thai-1024x1024.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/loan-officers/carla-pagnini/</loc>
		<lastmod>2025-07-30T13:26:09+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/07/Foto-Carla-1024x1024.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/loan-officers/dell-costa/</loc>
		<lastmod>2025-07-29T16:15:33+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/07/Fotos-Loan-Officers-1024x1024.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/loan-officers/ling-teng/</loc>
		<lastmod>2025-07-24T16:14:08+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/07/upscalemedia-transformed-1-1024x1024.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/loan-officers/marcio-pinheiro/</loc>
		<lastmod>2025-03-27T15:00:54+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/02/abb738a5-66f8-45c0-93e2-d589ade7e300-e1740687309821-945x1024.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/calculators/</loc>
		<lastmod>2025-03-05T20:16:40+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/01/gugubor_Create_a_highly_realistic_and_elegant_living_room_inter_017c386f-5e85-4fff-881d-bf036d0176b7.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/calculators/home-affordability-calculator/</loc>
		<lastmod>2025-03-05T20:12:26+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/02/freelance-woman-working-with-laptop-coffee-shop-scaled-e1739896179945-978x1024.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/calculators/mortgage-calculator/</loc>
		<lastmod>2025-03-05T20:10:51+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/02/freelance-woman-working-with-laptop-coffee-shop-scaled-e1739896179945-978x1024.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/calculators/refinance-calculator/</loc>
		<lastmod>2025-03-05T20:00:11+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/02/freelance-woman-working-with-laptop-coffee-shop-scaled-e1739896179945-978x1024.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/calculators/home-equity-calculator/</loc>
		<lastmod>2025-03-05T19:56:48+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/02/freelance-woman-working-with-laptop-coffee-shop-scaled-e1739896179945-978x1024.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/calculators/rent-vs-buy/</loc>
		<lastmod>2025-03-04T15:08:45+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/02/freelance-woman-working-with-laptop-coffee-shop-scaled-e1739896179945-978x1024.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/programs/program-conventional/</loc>
		<lastmod>2025-02-28T17:12:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://heartmortgage.com/loan-officers/lee-dama/</loc>
		<lastmod>2025-02-28T17:10:51+00:00</lastmod>
		<image:image>
			<image:loc>https://heartmortgage.com/wp-content/uploads/2025/02/DSC09202-scaled-e1740598171275-1024x1024.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://heartmortgage.com/privacy-policy/</loc>
		<lastmod>2025-02-14T20:10:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://heartmortgage.com/faq/</loc>
		<lastmod>2025-01-22T21:37:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://heartmortgage.com/accessibility-statement/</loc>
		<lastmod>2025-01-20T21:03:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://heartmortgage.com/legal/</loc>
		<lastmod>2025-01-20T20:57:04+00:00</lastmod>
	</url>
</urlset>
<!-- XML Sitemap generated by Rank Math SEO Plugin (c) Rank Math - rankmath.com -->