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  <!-- Core Pages -->
  <url>
    <loc>https://idconstructionloan.com/</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/how-it-works</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/idaho-markets</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/calculator</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/blog</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <url>
    <loc>https://idconstructionloan.com/contact</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/thank-you</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- Loan Program Pages -->
  <url>
    <loc>https://idconstructionloan.com/construction-to-permanent</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/lot-purchase-loan</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/physician-loan</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/renovation-financing</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/barndominium-loan</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/owner-builder-loan</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Blog Posts -->
  <url>
    <loc>https://idconstructionloan.com/blog/how-construction-loans-work-idaho</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/blog/how-to-qualify-construction-loan-idaho</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/blog/construction-loan-draw-schedule-idaho</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/blog/idaho-construction-loan-down-payment</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/blog/credit-unions-vs-banks-idaho-construction-loans</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/blog/how-to-find-a-builder-idaho-construction-loan</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/blog/fixed-price-vs-cost-plus-contract-idaho</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/blog/physician-construction-loan-idaho</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/blog/north-idaho-construction-loan-guide</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/blog/how-to-use-idaho-construction-loan-calculator</loc>
    <lastmod>2026-06-20</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/blog/construction-loan-contingency-idaho</loc>
    <lastmod>2026-06-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/blog/one-time-close-vs-two-time-close-construction-loan-idaho</loc>
    <lastmod>2026-06-21</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/blog/what-to-know-before-getting-construction-loan-idaho</loc>
    <lastmod>2026-06-24</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://idconstructionloan.com/blog/construction-loan-credit-score-idaho</loc>
    <lastmod>2025-07-01</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://idconstructionloan.com/blog/construction-loan-appraisal-future-value-idaho</loc>
    <lastmod>2026-07-08</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://idconstructionloan.com/blog/construction-loan-rate-lock-idaho</loc>
    <lastmod>2026-07-15</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <url>
    <loc>https://idconstructionloan.com/blog/lot-financing-idaho-construction-loan</loc>
    <lastmod>2026-07-22</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

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