<?xml version="1.0" encoding="UTF-8"?>
<!-- NOTE: verify the domain below matches the live site before launch. -->
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  <url><loc>https://amirforoughi.ca/</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/about.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/contact.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/tools.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/privacy.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/blog/index.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/blog/pre-payment-penalties.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/mortgages/renewals-and-switches.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/mortgages/self-employed.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/mortgages/first-time-home-buyer.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/mortgages/refinance.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/mortgages/investment-properties.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/mortgages/newcomers-to-canada.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/mortgages/private-lending.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/mortgages/complex-mortgages.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/mortgages/reverse-mortgage.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/mortgages/pre-qualify.html</loc><lastmod>2026-07-23</lastmod></url>
  <url><loc>https://amirforoughi.ca/mortgages/moving-up.html</loc><lastmod>2026-07-23</lastmod></url>
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