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    <loc>http://www.valueinsured.com/trendsource/2019/1/10/what-keeps-starter-homeowners-from-upgrading</loc>
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    <priority>0.5</priority>
    <lastmod>2019-01-11</lastmod>
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      <image:title>Trends - What keeps starter homeowners from upgrading?</image:title>
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    <loc>http://www.valueinsured.com/trendsource/2018/12/31/do-millennials-still-value-homeownership</loc>
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    <priority>0.5</priority>
    <lastmod>2018-12-31</lastmod>
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      <image:title>Trends - Do Millennials still value homeownership?</image:title>
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  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/12/20/do-homebuyers-expect-help-from-mom-or-dad</loc>
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    <priority>0.5</priority>
    <lastmod>2018-12-20</lastmod>
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      <image:title>Trends - Do homebuyers expect help from Mom or Dad?</image:title>
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    <loc>http://www.valueinsured.com/trendsource/2018/12/13/midterms-and-the-housing-market</loc>
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    <priority>0.5</priority>
    <lastmod>2018-12-13</lastmod>
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      <image:title>Trends - Midterms and the housing market</image:title>
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  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/12/6/trade-war-on-housing</loc>
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    <priority>0.5</priority>
    <lastmod>2018-12-06</lastmod>
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      <image:title>Trends - Trade war on housing</image:title>
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  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/11/30/how-to-spend-25000</loc>
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    <priority>0.5</priority>
    <lastmod>2018-11-30</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/11/13/3-in-4-americans-report-their-housing-market-has-cooled</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-11-13</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1542114824149-AC5TVRRB2AEL1OLNNMJN/Housing+has+cooled</image:loc>
      <image:title>Trends - 3 in 4 Americans report their housing market has cooled</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/11/1/wio-the-new-trend-in-home-buying</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-11-02</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1541113094704-Z0DDJ05WC8X0VOQICKRO/WaitingItOut.png</image:loc>
      <image:title>Trends - WIO – the new trend in home buying</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/10/24/whats-scarier-halloween-or-spooky-home-prices</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-10-25</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1540436730859-NDPCS8KU1BXNOEC5VRRC/CrazyHomePrices.png</image:loc>
      <image:title>Trends - What’s scarier? Halloween, or spooky home prices?</image:title>
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  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/10/18/mortgage-rates-are-rising-whats-next</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-10-18</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1539875830534-MQP3YYN4AYDHBSKSIL2W/socialPosts_76.jpg</image:loc>
      <image:title>Trends - Mortgage rates are rising. What’s next?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/10/10/homeowners-insurance-agents-could-do-more-for-homeowners</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-10-10</lastmod>
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      <image:title>Trends - Homeowners insurance agents could do more for homeowners</image:title>
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  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/10/4/millennial-homeowners-fear-loss-if-they-sell-to-upgrade</loc>
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    <priority>0.5</priority>
    <lastmod>2018-10-04</lastmod>
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      <image:title>Trends - Millennial homeowners fear loss if they sell to upgrade</image:title>
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  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/9/27/job-insecurity-keeps-1-in-5-americans-from-dream-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-09-27</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1538048232950-HVBL1HEL8QARDNLO5WAM/housingMarketFactors_R3.png</image:loc>
      <image:title>Trends - Job insecurity keeps 1 in 5 Americans from dream home</image:title>
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  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/9/20/can-first-responders-and-educators-afford-to-live-where-they-serve</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-09-20</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1537451549692-6NHRIKGE9CR942AUH3L4/firefightersTeachers_r2.png</image:loc>
      <image:title>Trends - Can first responders and educators afford to live where they serve?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/9/12/who-is-this-market-good-for</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-09-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1536806939800-WC6ZTIRQ91IX70NQ1OIC/MarketDirection.png</image:loc>
      <image:title>Trends - Who is this market good for?</image:title>
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  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/9/6/a-slowing-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-09-06</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1536232398693-R31X4BCTU58O8U0QHDJR/springHomeBuying_R2.png</image:loc>
      <image:title>Trends - Half of all homeowners report slower home-buying season</image:title>
    </image:image>
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  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/8/30/rising-mortgage-rates-feared-most-to-trigger-home-value-erosion</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-08-30</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1535631518042-09XBDAQG46NGLMJ8566Y/socialPosts_63-R2.png</image:loc>
      <image:title>Trends - Rising mortgage rates feared most to trigger home value erosion</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/8/23/cnbc-record-low-numbers-of-millennials-think-buying-a-home-is-a-good-investmentheres-why</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-08-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/8/23/millennial-homeowners-and-the-starter-home-drought</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-08-23</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1535027285609-T5DD0XSA492F5VVJXMGJ/starterHomeDrought.png</image:loc>
      <image:title>Trends - Millennial homeowners and the starter-home drought</image:title>
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  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/8/21/consumer-affairs-federal-reserve-reports-consumers-taking-on-more-debt</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-08-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/8/21/the-jon-sanchez-show</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-08-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/8/14/millennials-view-of-home-buying-turns-negative</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-08-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1534269259061-NBORZLSU37MISJ581WYL/Home+buying+turns+negative</image:loc>
      <image:title>Trends - Millennials’ View of Home Buying Turns Negative</image:title>
      <image:caption>Home buying turns negative</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/7/26/americans-tour-74-homes-before-buying</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-07-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1532605137105-33N0SX5V9G86U3VRA4DU/houseTour.png</image:loc>
      <image:title>Trends - Americans tour 7.4 homes before buying</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/7/18/6-in-10-homeowners-did-not-enjoy-home-buying-experience</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-07-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1532007562036-F2CV3QLRW0KVBF1SDJ63/socialPosts_66_R3.png</image:loc>
      <image:title>Trends - 6 in 10 homeowners did not enjoy home buying experience</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/7/11/americans-expect-rising-rates-to-stifle-housing-demand</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-07-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1531323702954-7ILBJWOY1C1SK4Y5UZWI/risingRates.png</image:loc>
      <image:title>Trends - Americans expect rising rates to stifle housing demand</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/6/27/homebuyers-remorse-on-the-rise</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1530120068942-J7XAVEEZ6RCGERT6MLQS/buyersRenmorse.png</image:loc>
      <image:title>Trends - Homebuyers' remorse on the rise</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/6/21/inflation-and-debt-worries-impact-on-housing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1529591315691-WSCSOHG9SQUIKJF8NM5D/US+Debt+-+Historical</image:loc>
      <image:title>Trends - Inflation and debt worries - Impact on housing</image:title>
      <image:caption>US Debt - Historical</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/6/20/millennials-wish-to-own-home-but-are-they-saving-enough</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1529523233283-UO4M1TIBA293OS4ZW7K8/MillenniasSaving.png</image:loc>
      <image:title>Trends - Millennials wish to own a home, but are they saving enough?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/6/13/sellers-demand-more-than-high-prices-botching-sales</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1528905583568-QU6STUFZOV90L05POQ5Q/unrealistic+sellers.png</image:loc>
      <image:title>Trends - Sellers demand more than high prices, botching sales</image:title>
      <image:caption>Sellers demanding more than just high prices</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/6/13/mba-qa-with-joe-melendez-of-valueinsured</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-13</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/6/6/experts-warn-of-2020-housing-correction-but-they-are-not-the-first</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1528310320646-09VZS71G5RMM70TJCGKR/2020Housing.png</image:loc>
      <image:title>Trends - Experts warn of 2020 housing correction, but they are not the first</image:title>
      <image:caption>New news is old to homebuyers and owners</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/6/5/scotsman-guide-help-homebuyers-reach-new-heights</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-05</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/5/30/refi-is-at-18-year-low-but-heres-your-secret-weapon</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1527774332912-X15R2DHD3JUKOUXYAT22/ratesRiseRefiPlunge_no_foot.png</image:loc>
      <image:title>Trends - Refi is at 18-year low, but here’s your secret weapon</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/5/30/the-money-life-show-interview-with-joe-melendez</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-30</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/5/23/85-millennials-compromised-on-buying-their-dream-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1527092277018-9HOL56LLF4E0IVKRXGJJ/MillenialCompromiseR2.png</image:loc>
      <image:title>Trends - 85% millennials compromised on buying their dream home</image:title>
      <image:caption>Homebuyers are compromising</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/5/23/the-jon-sanchez-show-interview-with-joe-melendez-ceo-valueinsured</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-23</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/5/21/banking-exchange-housing-confidence-drops</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-21</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/5/23/mpa-most-people-expect-a-housing-price-correction-by-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-23</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/5/16/housing-confidence-bottoms-out</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1526412377429-4I7ZDPKBX4S1YOR4BOUA/image-asset.jpeg</image:loc>
      <image:title>Trends - Housing Confidence Bottoms Out</image:title>
      <image:caption>Housing Confidence Bottoms Out</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/5/15/nmn-6-homebuyer-attitudes-about-affording-a-down-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-16</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/5/10/spring-2018-modern-homebuyer-survey-results-next-week</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/5/2/growing-obsession-with-timing-the-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1525350814284-EP33U2M6D53X77QKONJV/timing-the-market.png</image:loc>
      <image:title>Trends - Growing obsession with timing the market</image:title>
      <image:caption>Growing obsession with timing the market</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/4/25/housing-affordability-crisis-does-not-spare-homeowners</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-04-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1524676644571-UNT32HH7U84AW3QVGR3J/Housing+affordability+crisis+does+not+spare+homeowners</image:loc>
      <image:title>Trends - Housing affordability crisis does not spare homeowners</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/4/18/are-1-in-3-homebuyers-in-america-now-buying-blind</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-04-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1524144419737-SR8HMY8J3F5YBIR4F45N/Are+1+in+3+Americans+buying+blind%3F</image:loc>
      <image:title>Trends - Are 1 in 3 homebuyers in America now buying blind?</image:title>
      <image:caption>Are 1 in 3 Americans buying blind?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/4/11/why-arent-homeowners-tapping-into-all-time-high-equity</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-04-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1523536863175-A42PEJSF6DIH2FX9V1EP/tappable_equity_all_time_high</image:loc>
      <image:title>Trends - Why aren’t homeowners tapping into all-time high equity?</image:title>
      <image:caption>Tappable equity is at all-time high, so why aren't homeowners refinancing?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/4/4/the-secret-to-unlocking-starter-home-inventory</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-04-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1522875885781-RB0XIRXOSBIN0KEMFIO5/Secret+to+unlock+inventory</image:loc>
      <image:title>Trends - The secret to unlocking starter-home inventory</image:title>
      <image:caption>Secret to unlocking inventory</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/4/4/prmg-rolls-out-their-new-prmg-plus-down-payment-protection-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-04-04</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/3/29/women-more-pessimistic-about-housing-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1522332920257-6YIZ2P22NPRWG7L3YZQ9/Women+more+pessimistic+about+housing+market</image:loc>
      <image:title>Trends - Women more pessimistic about housing market</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/3/29/caught-our-eye-wsj-says-homeowners-ditch-refinancings-as-mortgage-rates-rise</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-29</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/3/22/millennials-question-if-home-buying-is-a-smart-decision</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1521722875652-0UC4NMUDOOR5O5TODG5K/Fewer+millennials+want+to+buy+now</image:loc>
      <image:title>Trends - Millennials question if home buying is a smart decision</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/17/just-one-third-of-us-homes-have-recovered-to-pre-recession-levels-xmezp</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-19</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/3/19/philly-mag-survey-millennials-aching-to-buy-homeowners-reluctant-to-sell</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-19</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/3/15/the-ideal-down-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1521120840697-W3007V1UN8CPN1F80FD3/Move+over+20%25+down+payment</image:loc>
      <image:title>Trends - The “ideal” down payment</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/3/14/american-financial-network-inc-afn-partners-with-valueinsured-to-offer-its-customers-down-payment-protection-with-afn-protection</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-16</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/3/12/usa-today-should-you-help-your-adult-child-with-a-down-payment-for-a-house</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-13</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/3/9/denver-business-journal-denvers-home-sales-dilemma-most-owners-willing-to-sell-but-theyre-worried-about-buying</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-13</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/11/the-seattle-times-housing-bubble-fears-stronger-in-washington-than-in-any-other-state-2cfn7</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-13</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/3/6/confidence-among-homeowners-homebuyers-on-diverging-paths</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1520343160428-KS7Z77PP78YVXYBDRYDL/Eager+homebuyers+vs+concerned+homeowners</image:loc>
      <image:title>Trends - Confidence Among Homeowners, Homebuyers on Diverging Paths</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/3/1/winter-2018-valueinsured-modern-homebuyer-survey-results-next-week</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-01</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/3/1/the-m-report-will-rising-mortgage-rates-ruin-the-homebuying-season</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-01</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/2/27/ajc-atlanta-home-prices-up-54-percent-raising-affordability-concerns</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-01</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/2/22/evergreen-home-loans-launches-evergreen-plus-down-payment-protection</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-17</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/2/22/homeowners-more-in-tune-with-and-more-pessimistic-about-interest-rate-hikes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-02-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1519331413553-LO2NPIJTT6KERHP1F4KS/Homeowners+more+in+tune+with+interest+rate+hikes</image:loc>
      <image:title>Trends - Homeowners more in tune with – and more pessimistic about – interest rate hikes vs. buyers</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/2/15/homebuyers-flee-hot-real-estate-markets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-02-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1518706543915-IV5R2DS1PGMYH5NCN82V/americansMoving.png</image:loc>
      <image:title>Trends - Homebuyers flee hot real estate markets</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/2/8/the-new-buzzword-uncertainty</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1518098142160-F9KJRBYKC0R5PE5K0F3F/Wave7_10+Buzzword+Uncertainty.png</image:loc>
      <image:title>Trends - The new housing buzzword: Uncertainty</image:title>
      <image:caption>Wild differences in housing since last crisis</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/2/1/home-buying-gifts-millennials-like-them-more-than-their-parents</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-02-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1517492967739-FL7MD6UK72NDHXEJSJQD/Wave7_9+MillennialsVsBoomers.png</image:loc>
      <image:title>Trends - Home buying gifts: millennials like them more than their parents</image:title>
      <image:caption>Millennials and Boomers on home buying gifting</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/1/25/buying-today-means-buying-high-say-most-homebuyers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516889943058-VOJ1TLNHM4RPNRKVU15C/Wave7_8+Buying+high.png</image:loc>
      <image:title>Trends - Buying today means buying high, say most homebuyers and owners</image:title>
      <image:caption>6 in 10 homebuyers believe they'd be "buying high" today</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/1/18/is-the-american-housing-market-healthy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516285056882-JMVVEHH2WDOYZ527YRQA/Wave7_7+is+the+housing+market+healthy.jpg</image:loc>
      <image:title>Trends - Is the American housing market healthy?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/1/11/what-homebuyers-think-of-the-mortgage-industry</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1515678146222-CKVAYF340KRT4QV51XF1/What+homebuyers+think+of+the+mortgage+industry%3F</image:loc>
      <image:title>Trends - What do homebuyers think of the mortgage industry?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2018/1/4/2018-housing-off-to-a-confusing-start-5-factors-that-can-make-it-worse</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1515077111247-5BDW0LHQSWICCXW91WTR/New+year+headlines+off+to+confusing+start</image:loc>
      <image:title>Trends - 2018 housing off to a confusing start + 5 factors that can make it worse</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/12/28/millennials-may-be-sacrificing-privacy-freedom-to-afford-their-first-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1514467536848-BI5EMR5GK0I1B8YL19F7/Millennials+may+be+sacrificing+privacy+to+afford+their+first+home</image:loc>
      <image:title>Trends - Millennials may be sacrificing privacy + freedom to afford their first home</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/12/15/rewardexpert-safeguard-your-financial-investment-with-valueinsured</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1513359250070-51ISZCODDS1PE5GRXUZ5/ValueInsured-DownPaymentProtectionforthemodernhomebuyer2017-12-0817-44-30.png</image:loc>
      <image:title>Trends - RewardExpert - Safeguard Your Financial Investment with ValueInsured</image:title>
      <image:caption>+Plus Down Payment Protection protects homebuyers’ down payment investment should they have to sell their home in a down market</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1513359307786-24Q53ABG0P90BF12VWUW/Plus%E2%80%94ValueInsured-DownPaymentProtectionforthemodernhomebuyer2017-12-0817-39-37.png</image:loc>
      <image:title>Trends - RewardExpert - Safeguard Your Financial Investment with ValueInsured</image:title>
      <image:caption>An Innovative Solution to protect home buyer’s down payment</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/12/13/top-5-reasons-millennials-are-not-buying-homes-yet</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1513259206658-P3ZJTMTGFIF1A7SMPM1T/Top+reasons+Millennials+are+not+buying+homes...yet</image:loc>
      <image:title>Trends - Top 5 reasons Millennials are not buying homes – yet</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/12/6/homebuyers-knew-so-they-wait</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-12-07</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/11/30/a-dream-home-with-some-compromises</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1512050619225-5QCB5RQUGOCYT57IY8A9/HomeBuyersCompromiseV3.png</image:loc>
      <image:title>Trends - A dream home, with some compromises</image:title>
      <image:caption>Top 5 things homebuyers won't compromise</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/11/27/mba-homeowners-great-time-to-sell-not-so-much-to-buy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/11/21/a-banner-year-for-down-payment-protection-thank-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-22</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/11/19/banker-tradesman-company-offers-to-insure-buyers-down-payments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-21</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/11/17/inman-potential-sellers-staying-put-to-avoid-homebuyer-hell</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-20</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/11/20/5-trends-the-housing-market-will-regret</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-20</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/11/20/would-be-sellers-fear-becoming-priced-out-buyers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-20</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/11/20/bloomberg-radio-real-estate-report-featuring-joe-melendez-ceo-valueinsured</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-20</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/11/15/low-refinance-rates-not-to-blame-for-gun-shy-sellers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-20</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/11/15/homeowners-great-time-to-sell-but-not-to-buy-and-heres-why</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1510685235267-YSNVKWI2BAF2Q2ZG82U9/Fall+2017+ValueInsured+Modern+Homebuyer+Survey+Infographic</image:loc>
      <image:title>Trends - Homeowners: Great Time to Sell, But Not to Buy and Here’s Why</image:title>
      <image:caption>2017 ValueInsured Modern Homebuyer Survey Infographic</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/11/9/fall-2017-modern-homebuyer-survey-results-next-week</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-09</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/11/2/millennials-want-to-buy-a-home-but-unsure-in-todays-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1509626212340-P4KZ8XEVRRHW1BAW6I7X/Wave6_12+Millennials+Sour+On+Owning.jpeg</image:loc>
      <image:title>Trends - Millennials want to buy a home, but unsure in today's market</image:title>
      <image:caption>Millennials, in today's housing market, are unsure about buying</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/10/25/move-over-washer-and-dryer-americans-want-to-protect-their-home-down-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-10-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1508956050493-Z2M8ZEGE4UW06QZ81FAT/Wave6_11+How+to+spend+%2410+to+insure.jpeg</image:loc>
      <image:title>Trends - Move over washer and dryer, Americans want to protect their home down payment.</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/10/24/valueinsured-now-offers-equity-protection-on-home-refinances</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-10-24</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/10/18/asking-family-for-down-payment-help-join-the-club</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-10-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1508378120180-IE69Q5VNIEHZFAN7BDOW/Wave6_10+Ask+family+for+down+payment+help.jpeg</image:loc>
      <image:title>Trends - Asking family for down payment help? Join the club!</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/10/12/not-all-homeowners-confident-their-home-has-retained-its-value</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-10-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1507811893830-J1MB36U8KZNDG2Y4TZOW/confidentCanSellV3.jpg</image:loc>
      <image:title>Trends - Not all homeowners confident their home has retained its value</image:title>
      <image:caption>Homebuyer confidence in retaining house value is mixed</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/10/11/valueinsured-closes-financing-led-by-global-reinsurer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-10-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1507731396774-6P9THWC87B4L1QKSXW15/ValueInsured</image:loc>
      <image:title>Trends - ValueInsured Closes Financing Led by Global Reinsurer</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1507731506665-EFKZP0DN1C1ITBCR9OPG/HIIG%2BLOGO2.jpg</image:loc>
      <image:title>Trends - ValueInsured Closes Financing Led by Global Reinsurer</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1507731444206-DHO7OG4YREGEA5HEUNVK/everest.jpg</image:loc>
      <image:title>Trends - ValueInsured Closes Financing Led by Global Reinsurer</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/10/5/housing-news-suddenly-worrisome-homeowners-and-buyers-saw-it-coming</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-10-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1507207345925-V63Z4PN91NZWZBLUZCL7/Housing+news+suddenly+worrisome%3F+Homeowners+and+buyers+saw+it+coming.</image:loc>
      <image:title>Trends - Housing news suddenly worrisome? Homeowners and buyers saw it coming.</image:title>
      <image:caption>Recent "unexpected" housing news was not so unexpected</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/10/4/banksouth-mortgage-brings-down-payment-protection-to-the-georgia-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-10-04</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/9/22/83-of-homeowners-say-now-is-a-good-time-to-sell-so-why-arent-they-selling</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-09-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1506105927611-4W3DRR17XGK8XMPG0A18/If+it+is+a+good+time+to+sell%2C+why+aren%27t+they+selling%3F</image:loc>
      <image:title>Trends - 83% of homeowners say now is a good time to sell, so why aren’t they selling?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/9/21/top-5-what-keeps-american-homebuyers-up-at-night</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-09-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1505998422936-W48XORYMQO7BOYKD37PX/Top+5+home+buying+worries</image:loc>
      <image:title>Trends - Top 5: What keeps American homebuyers up at night?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/9/20/lendingqb-adds-down-payment-protection-to-loan-origination-platform-through-new-partnership-with-valueinsured</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-09-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1505919638524-YZVX340BEHV1BJ6P33IZ/LendingQB+adds+%2BPlus+down+payment+protection</image:loc>
      <image:title>Trends - LendingQB Adds Down Payment Protection to Loan Origination Platform Through New Partnership With ValueInsured</image:title>
      <image:caption>With LendingQB, you can add Down Payment Protection with a flip of a switch</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/9/14/can-homebuyers-today-actually-afford-the-homes-they-buy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-09-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1505396085125-Z75ECC3NSY9TYLSEJWJ0/pricesSkyrocketV2-1.jpg</image:loc>
      <image:title>Trends - Can homebuyers today actually afford the homes they buy?</image:title>
      <image:caption>Co-borrowing is at a high as home affordability decreases</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/9/6/once-and-for-all-the-american-dream-is-alive-and-meaningful</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-09-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1504725263475-AM3VKK27G9V71J39DFWL/Top+states+that+believe+in+the+American+Dream</image:loc>
      <image:title>Trends - Once and for all: the American Dream is alive and meaningful</image:title>
      <image:caption>Top states that believe in the American Dream</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/31/so-where-is-the-housing-market-headed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1504185731162-WCNM2YDVYOT3R1WX15Y4/housingNewsV4.jpg</image:loc>
      <image:title>Trends - So, where IS the housing market headed?</image:title>
      <image:caption>So much housing news, but what do we do with it?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/24/millennials-confidence-to-afford-home-lowest-in-18-months</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1503579227653-L69ZPEVQ12NG7PZ7HHJ0/Wave6_Millennial+confidence+lowest18months.jpeg</image:loc>
      <image:title>Trends - Millennials’ confidence to afford home lowest in 18 months</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/17/just-one-third-of-us-homes-have-recovered-to-pre-recession-levels</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1502996552279-M3WL6MD0EJH7P4M68221/image-asset.jpeg</image:loc>
      <image:title>Trends - Just one-third of U.S. homes have recovered to pre-recession levels</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/16/rising-sea-levels-vs-economicsamerican-homebuyers-share-their-biggest-external-risk-factors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1502915132010-OGJ9GI64N97QMJSUTX86/image-asset.jpeg</image:loc>
      <image:title>Trends - Rising sea levels vs economics…American homebuyers share their biggest external risk factors</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/11/mba-americans-concerned-hot-housing-market-could-be-heading-for-correction</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-11</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/10/consumer-affairs-is-the-housing-market-at-a-tipping-point</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-11</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/10/atlanta-agent-americans-growing-concerned-about-potential-housing-market-correction-study-finds</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-11</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/11/the-seattle-times-housing-bubble-fears-stronger-in-washington-than-in-any-other-state</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-13</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/10/mpa-majority-of-americans-fear-housing-correction-says-poll</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-11</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/11/housingwire-americans-believe-home-price-correction-imminent</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-11</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/11/realtor-</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-11</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/11/dsnews-bubble-ahead</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-11</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/11/the-m-report-5-states-headed-for-correction</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-11</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/9/americans-concerned-that-hot-housing-market-could-be-heading-for-a-correction</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1502217163128-HM287Y9Q8CY3OG2EAHXW/US+Homebuyers+concerned+about+housing+correction</image:loc>
      <image:title>Trends - Americans Concerned That Hot Housing Market Could Be Heading for a Correction</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/7/pacific-union-financial-now-offers-pacificplus-down-payment-protection-to-correspondent-channel</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-08</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/8/3/summer-modern-homebuyer-survey-results-almost-here-heres-a-taste</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1501767940613-ACI8SSS71049X77292MG/Summer+Modern+Homebuyer+survey+results+almost+here+-+Here%27s+a+taste</image:loc>
      <image:title>Trends - Summer Modern Homebuyer survey results almost here - Here's a taste</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/7/27/millennials-credit-may-be-ready-for-home-buying-but-are-their-stomachs-ready</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-07-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1501169948502-MGV652Q7RYBB54YI5M6I/image-asset.jpeg</image:loc>
      <image:title>Trends - Millennials’ credit may be ready for home buying, but are their stomachs ready?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/7/25/pacific-union-financial-expands-pacificplus-into-correspondent-channel</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-07-26</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/7/20/regret-the-lunch-you-ate-today-many-americans-regret-buying-their-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-07-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1500558036804-A5FYENWCV07464QUP8EV/image-asset.jpeg</image:loc>
      <image:title>Trends - Regret the lunch you ate today? Many Americans regret buying their home.</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/7/20/quick-update-on-canada</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-07-20</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/7/13/rising-home-prices-this-is-how-you-deal-if-youre-a-millennial</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-07-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1499964009966-RZDEH05V729YRAEH6XYC/image-asset.jpeg</image:loc>
      <image:title>Trends - Rising home prices? This is how you deal if you’re a Millennial.</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/7/5/happy-birthday-america</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-07-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1499303092275-2GZ7VMBEAW5TNL68WFZP/7+in+10+want+to+keep+the+American+Dream+alive</image:loc>
      <image:title>Trends - Happy Birthday, America!</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/6/29/home-prices-keep-going-up-so-are-concerns</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-06-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1498743291663-AYS1MRCGQROE9VOH03G2/image-asset.jpeg</image:loc>
      <image:title>Trends - Home prices keep going up, so are concerns</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/6/21/yup-were-in-a-sellers-market-but-will-it-last</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-06-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1498070374512-54OPLOMH1N0CPU4QAIJH/image-asset.jpeg</image:loc>
      <image:title>Trends - Yup, we’re in a seller’s market, but will it last?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/6/14/homebuyers-expect-further-interest-rate-hikes-this-year-and-less-affordable-mortgages</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-06-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1497530564753-4OFXKWQ3FK6SYIP66JSB/image-asset.jpeg</image:loc>
      <image:title>Trends - Homebuyers expect further interest rate hikes this year</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/6/7/rural-urban-divide-is-real-in-america-at-least-when-it-comes-to-home-buying-conclusion-of-a-3-part-series</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-06-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1496868769939-3D5VZ48H1XM2UGA7C5VH/image-asset.jpeg</image:loc>
      <image:title>Trends - Rural-Urban Divide is real in America, at least when it comes to home buying – conclusion of a 3-part series</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/6/6/scotsman-guide-modern-homebuyers-have-arrived</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-06-07</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/5/31/its-all-in-the-family-the-rural-urban-divide-part-2-of-a-3-part-series</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-06-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1496326249203-EPI4BNOAFA8EILXWQ386/image-asset.jpeg</image:loc>
      <image:title>Trends - It’s all in the family! The Rural-Urban divide – part 2 of a 3-part series</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/5/30/marketwatch-why-many-americans-are-worried-about-buying-a-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-05-30</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/5/25/rural-urban-divide-among-american-homeowners-part-1-of-a-3-part-series</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-05-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1495718185488-A8SKV0MVCMX4CB69YX37/image-asset.jpeg</image:loc>
      <image:title>Trends - Rural-Urban divide among American homeowners? Part 1 of a 3-part series</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/5/19/ds-news-side-effects-include</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-05-25</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/5/17/as-california-goes-so-goes-the-nation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-05-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1495049935281-PFE9GUEU9V3AQ7S4ET9S/image-asset.jpeg</image:loc>
      <image:title>Trends - As California goes, so goes the nation?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/5/10/more-experience-and-with-deeper-pockets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-05-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1494438895812-JT2ZB19S8BC9YC8PJ3YG/image-asset.jpeg</image:loc>
      <image:title>Trends - More experience, and with deeper pockets</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/5/4/the-m-report-confidence-in-housing-steady-but-shaking</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-05-04</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/5/2/housing-confidence-index-remains-steady-though-cautions-loom</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-05-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1493742547284-1GIZBAQSZ93QUDNBM7ZX/CautionsCreepingV5.jpg</image:loc>
      <image:title>Trends - Housing Confidence Index Remains Steady, Though Cautions Loom</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/5/2/mortgage-product-boosts-buying-in-mid-atlantic-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-05-02</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/5/2/the-young-american-dream</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-05-02</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/4/28/down-payment-protection-sees-traction-in-mid-atlantic-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-05-12</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/4/26/how-about-gen-xers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-04-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1493247795968-RAQVDTHA8LSNEA6C0NBI/image-asset.jpeg</image:loc>
      <image:title>Trends - How about Gen-X homebuyers? </image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/4/19/the-nomadic-millennials</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-04-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1492696549478-D2JYG8ATYK5NT6IQL7AV/image-asset.jpeg</image:loc>
      <image:title>Trends - The Nomadic Millennials</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/4/24/pacific-union-financial-partners-with-valueinsured-to-offer-down-payment-protection-nationwide-with-pacificplus</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-05-02</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/4/13/debunking-the-myth-of-millennial-pessimism</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1492097053857-919M4HHJQF575PMAD53I/Debunking+the+myth+of+Millennial+pessimism</image:loc>
      <image:title>Trends - Debunking the myth of Millennial homebuyer pessimism</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/4/11/newspaper-media-group-the-young-american-dream</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-04-11</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/4/6/as-home-prices-heat-up-so-does-concern-for-housing-stability</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1491500857484-O5THXPKTKC3J4UFFED8J/image-asset.jpeg</image:loc>
      <image:title>Trends - As home prices heat up, so does concern for housing stability</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/4/11/the-m-report-serving-a-new-kind-of-buyer</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-04-11</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/3/22/a-new-generation-of-homebuyers-on-the-move</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-03-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1490207781664-61BZM3EHNFSUTUE31L0G/image-asset.jpeg</image:loc>
      <image:title>Trends - Is the housing industry ready for this next generation of homebuyers?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/3/16/how-can-first-time-homebuyers-afford-to-buy-in-this-heated-market-ask-your-parents</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-03-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1489671431894-NS7VLEAEHOMXCR32FZ2C/image-asset.jpeg</image:loc>
      <image:title>Trends - How can first-time homebuyers afford to buy in this heated market? Ask your parents.</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/3/8/how-to-give-sideline-homebuyers-more-confidence</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-03-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1488999222591-Y2UV4VLBBYFNQH5NFDCL/image-asset.jpeg</image:loc>
      <image:title>Trends - How to give sideline homebuyers more confidence</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/3/6/the-mortgage-reports-whats-with-mortgage-rates-experts-offer-predictions-for-the-remainder-of-2017</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-04-11</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/3/2/homebuyers-confidence-on-the-rise-as-some-anticipate-correction-on-overheated-prices</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-03-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1488463862910-O2FBOYJGPT0HXJ3FSIMN/image-asset.jpeg</image:loc>
      <image:title>Trends - Homebuyers’ confidence on the rise as some anticipate correction on overheated prices</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/2/22/are-we-over-correcting-from-the-mortgage-crisis-more-americans-now-think-lending-is-too-strict-than-too-loose</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1487789266460-L2RMQ698BDOTDIHPRJ69/Wave4-5_LendingTooStrict.jpeg</image:loc>
      <image:title>Trends - Are we over-correcting from the mortgage crisis? More Americans now think lending is too strict than too loose</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/2/16/homebuyers-prefer-value-over-brand-name</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1487257051813-ZGCUTDAFWF2IV4JYUSF0/image-asset.jpeg</image:loc>
      <image:title>Trends - Homebuyers prefer "value" over brand name</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/5/2/first-heritage-mortgage-introduces-down-payment-protection-to-mid-atlantic-homebuyers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-05-02</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/2/8/housing-outlook-for-2017-more-affluent-does-not-equate-more-optimism</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1486584694461-TWSGLK0PCZPJUFJ1MVKM/image-asset.jpeg</image:loc>
      <image:title>Trends - Housing outlook for 2017? More affluent does not equate more optimism</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/4/11/loop-north-news-more-millennials-will-buy-homes-now-that-chicago-is-1-in-tech-jobs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-04-11</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/2/1/more-first-time-buyers-confident-homeownership-is-within-reach-in-2017</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1485977097965-DFTQ3LRBTKOYWL7QH8QO/wave+4-1+R2.jpg</image:loc>
      <image:title>Trends - ​​More first-time buyers confident homeownership is within reach in 2017</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/1/24/in-first-2017-survey-released-post-inauguration-americans-cautiously-optimistic-in-housing-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1485316894323-PY34J32E5RX4NVES85IP/image-asset.jpeg</image:loc>
      <image:title>Trends - In First 2017 Survey Released Post-Inauguration, Americans Cautiously Optimistic in Housing Market</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/1/19/shoppers-say-will-buy-a-home-sooner-with-down-payment-protection</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-19</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2017/1/9/homeownership-more-than-gender-and-race-help-americans-feel-confident</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1483986118138-I05MEK2O4BM0KA570PC8/image-asset.jpeg</image:loc>
      <image:title>Trends - Homeownership - more than gender and race - help Americans feel confident</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/12/15/here-are-5-bold-predictions-for-housing-in-2017-plus-a-bonus</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-04-11</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/11/21/valueinsured-offers-innovative-homebuyer-first-solution-to-fhfas-credit-risk-transfer-rfi</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/10/27/millennial-homeowners-confident-in-the-long-term-but-fear-housing-volatility-in-the-near-term</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1477580150312-46AWHISIO0H4F2OEMO6R/image-asset.jpeg</image:loc>
      <image:title>Trends - Millennial homeowners confident in the long term, but fear housing volatility in the near term</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/10/19/how-millennials-will-try-to-secure-their-first-home-despite-affordability-hurdle</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-10-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1476892664866-AYM0UALDMJ9VIRQO7E42/image-asset.jpeg</image:loc>
      <image:title>Trends - How Millennials will try to secure their first home despite affordability hurdle</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/10/14/consumer-affairs-housing-market-frustrating-for-first-time-buyers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/10/14/millennials-see-housing-price-bubble-on-the-horizon</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/10/13/millennials-hesitant-on-homebuying</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/10/13/while-us-economy-grows-housing-confidence-remains-flat</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1476370700142-10GPZ07G2770N5FF2NKN/image-asset.jpeg</image:loc>
      <image:title>Trends - While U.S. Economy Grows, Housing Confidence Remains Flat</image:title>
      <image:caption>What's Worrying Prospective Homebuyers</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1476370754826-WLYQB0P1CZ0IY3HPRTQN/image-asset.jpeg</image:loc>
      <image:title>Trends - While U.S. Economy Grows, Housing Confidence Remains Flat</image:title>
      <image:caption>Housing confidence flat amid rising home prices, low inventory, and millennials' anxiety.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/10/6/q3-2016-modern-homebuyer-survey-results-coming-october-12th</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-10-06</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/9/15/millennial-renters-want-to-own-home-now-but-need-more-confidence</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-09-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1473964586665-E3FS1H6LKC1JWXQIHXAY/image-asset.jpeg</image:loc>
      <image:title>Trends - Millennial renters want to own home now, but need more confidence</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/9/15/baby-boomers-not-millennials-are-key-buyers-of-lower-priced-homes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-09-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1473964510244-KKRVZM841LU7IIZ9TUDE/image-asset.jpeg</image:loc>
      <image:title>Trends - Baby Boomers – not Millennials – are key buyers of lower-priced homes</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/9/8/bankrate-secrets-and-tips-to-owning-an-awesome-place-to-live</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-09-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1473961329045-65AV2U2NDOGP2KNUNX54/image-asset.png</image:loc>
      <image:title>Trends - Bankrate - SECRETS AND TIPS TO OWNING AN AWESOME PLACE TO LIVE.</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/9/8/millennials-housing-confidence-trends-up-concern-for-debt-down</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-09-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1473345059595-NLTHNZU1D4UB2CILLAQ6/image-asset.jpeg</image:loc>
      <image:title>Trends - Millennials’ housing confidence trends up; concern for debt down</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/8/30/nerdwallet-how-to-get-online-help-with-a-mortgage-down-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/8/23/not-yet-in-their-forever-home-millennial-homeowners-are-ripe-for-upgrading</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-09-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1471964175558-8AFVXXSCMKQ3593MM0TV/image-asset.jpeg</image:loc>
      <image:title>Trends - Not yet in their forever home, Millennial homeowners are ripe for upgrading</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/8/15/huffington-post-the-true-state-of-housing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-08-15</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/8/4/millennials-and-other-next-generation-homebuyers-plan-to-live-in-multi-generational-households</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-08-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1470322146242-M14S5NVXR5UPQSB8YS3N/image-asset.jpeg</image:loc>
      <image:title>Trends - ​Millennials and other next-generation homebuyers plan to live in multi-generational households</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/8/4/is-20-down-the-home-buying-standard-millennials-say-no</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-08-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1470326526400-ZUGO2HAT86N3L91PB12G/image-asset.jpeg</image:loc>
      <image:title>Trends - Is 20% down the home buying standard? Millennials say no</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/8/4/homing-in-on-spending-priorities</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/7/27/nar-what-are-americans-top-housing-concerns</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-09-16</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/7/27/real-trends-housing-confidence-trending-upwards-despite-anxious-new-normal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/7/27/curbed-dc-nationwide-confidence-in-housing-market-up-despite-decrease-in-homebuyer-demand</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/7/26/builder-confidence-in-housing-market-sturdy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1469558205269-S8IS30DW0S9FZCOMEDN0/image-asset.jpeg</image:loc>
      <image:title>Trends - Builder - CONFIDENCE IN HOUSING MARKET 'STURDY'</image:title>
      <image:caption>Click to see full-size</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/7/26/consumer-affairs</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/7/26/housing-confidence-trending-upwards-despite-anxious-new-normal</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1469539365466-MU731EE47XPWOPCS7932/image-asset.jpeg</image:loc>
      <image:title>Trends - Housing Confidence Trending Upwards Despite Anxious New Normal</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/6/28/american-renters-including-millennials-want-to-own-homes-but-face-tough-barriers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-29</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/6/24/brexit-and-us-housing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1466781802996-2LIRMA4ILFCEC04DDR7R/image-asset.jpeg</image:loc>
      <image:title>Trends - Brexit and US Housing</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/6/23/down-payment-protection-fuel-for-the-housing-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1466781897460-3BAB6NNHEYHOY2SYUCHC/image-asset.jpeg</image:loc>
      <image:title>Trends - Down Payment Protection: Fuel for the Housing Market</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/6/28/unlike-their-parents-millennials-dont-dream-of-a-white-picket-fence-mcmansion</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-29</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/6/28/americans-agree-parents-should-help-adult-children-buy-a-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-08-04</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/6/28/women-and-men-have-different-confidence-attitudes-toward-buying-and-upgrading-homes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-29</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/6/28/boost-in-housing-confidence-could-help-convert-renters-to-first-time-homeowners</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-29</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/6/28/fiscally-conservative-millennials-willing-to-pay-more-than-the-cost-of-down-payment-protection-to-protect-their-assets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-29</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/5/18/huffington-post</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/5/17/florida-realtors-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/5/17/confidence-gap-between-men-and-women-likely-to-affect-home-buying-season</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-07-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1463495436417-6FTI2TLFV6NJAAJOWRQP/image-asset.jpeg</image:loc>
      <image:title>Trends - Confidence Gap Between Men and Women  Likely to Affect Home Buying Season</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/4/14/builder</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/5/3/national-mortgage-news</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-09-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1462287053378-POPGNP1SV9GC4ZLWIFA1/image-asset.jpeg</image:loc>
      <image:title>Trends - National Mortgage News - An Add-On Aimed at Coaxing More Millennials into Mortgages</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/4/14/housingwire</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/6/27/nuxkghpfzf1swgxdmwx7mni3twerym</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/4/13/cnbc</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/4/13/real-trends</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1467123860900-4JIG3Z691ZCGJFJT77R9/image-asset.png</image:loc>
      <image:title>Trends - REAL Trends - Valueinsured And Amalgamated Bank Offer First-Of-Its-Kind Protection For Homebuyers’ Down Payments</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/4/12/plus</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/3/9/02c3i0n55h7v7nu61utmnnfivnlkqi</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/1/27/cheatsheet</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/1/12/renters-hit-with-above-average-price-growth-in-2015</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1452613743512-T5VQXN5ASEK68XXMF0PD/http%3A%2F%2Fwww.bankrate.com%2Ffinancing%2Fwp-content%2Fuploads%2F2016%2F01%2Fcities-fastest-rent-growth.png</image:loc>
      <image:title>Trends - Bankrate - Renters hit with above-average price growth in 2015</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/1/12/flexibility-and-control-fuel-new-american-dream</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1452614057866-2AQMT5I3ERBOSEG6LHSE/image-asset.jpeg</image:loc>
      <image:title>Trends - ValueInsured PR Newswire</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/5/17/flexibility-and-control-fuel-new-american-dream</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1463495570409-6JTKDUDZZVDMSN3KW8AM/image-asset.jpeg</image:loc>
      <image:title>Trends - Flexibility and Control Fuel ‘New American Dream’</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/1/8/the-new-american-dream-is-not-different-just-smarter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-23</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/1/6/further-reasons-why-first-time-home-buyers-are-staying-on-the-sidelines</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/1/5/fannie-mae-the-home-story</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/1/5/mortgage-news-daily</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/12/17/interest-rates-just-rose-should-you-worry</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1450364730011-D07F5VAHVS34RN0FHXXO/image-asset.png</image:loc>
      <image:title>Trends - Interest rates just rose. Should you worry?</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/12/10/what-does-the-hpi-or-housing-price-changes-mean-to-you</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/12/9/are-we-living-in-1965</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1449681056525-CF0RJHHP3E9U8JGEX4E4/image-asset.jpeg</image:loc>
      <image:title>Trends - Are we living in 1965?</image:title>
      <image:caption>Housing Trends in US Source: http://www.huduser.org/hud_timeline/ and http://www.census.gov/housing/hvs/data/charts.html</image:caption>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/12/10/another-reason-2016-is-the-year-to-buy-a-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/11/25/eo4d9l7hmr4ta5h474dodknzjmpsm1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/5/17/lack-of-confidence-in-real-estate-market-keeping-americans-on-the-sidelines-according-to-a-new-survey</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1463495540828-P1RHU710A0NVHO88K23B/image-asset.jpeg</image:loc>
      <image:title>Trends - Lack of Confidence in Real Estate Market Keeping Americans on the Sidelines, According to a New Survey</image:title>
    </image:image>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/11/11/housingwire</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/11/11/valueinsured-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/11/11/four-reasons-why-2016-is-a-good-time-to-buy-a-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/28/why-a-housing-shortage-for-millennials-affordability-and-fear</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/28/more-renters-thinking-about-buying-a-home-td-bank</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/14/advice-on-lending-to-adult-children2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/16/builder-online</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/14/new-down-payment-insurance-product-hopes-to-give-real-estate-sales-a-boost</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/14/insurance-plan-allows-homeowners-to-guard-against-down-payment-losses</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/14/valueinsureds-plus-program-insures-homebuyers-downpayments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/14/coming-soon-down-payment-insurance-for-borrowers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/14/advice-on-lending-to-adult-children</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/14/new-insurance-policy-protects-homebuyers-down-payment</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/16/down-payment-insurance-rolls-out-soon</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/16/seattle-times</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/16/miami-herald</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/15/millennials-why-theyre-buying-homes-and-why-theyre-not</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-01-06</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/16/chicago-tribune</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-10</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/5/new-down-payment-protection-product-lets-homebuyers-close-with-confidence</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-06-27</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2015/10/5/pssst-you-dont-need-a-20-down-payment-to-buy-a-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-01-06</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/2016/1/6/darlenas-story-helping-restore-the-american-dream</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-01-06</lastmod>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/category/Opinion</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/category/Media</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/category/Research</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/tag/Regret</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/tag/Parents</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/tag/Lenders</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/tag/Gender</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/tag/Security</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/tag/San+Jose</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/tag/Interview</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/tag/San+Diego</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/tag/Child</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/tag/Realtors</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>http://www.valueinsured.com/trendsource/tag/trends</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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  <url>
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      <image:caption>Latest ValueInsured Modern Homebuyer Survey results are in</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1460491543020-33LCTQT8ENRVOM1PTZDH/image-asset.png</image:loc>
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      <image:title>Down Payment Protection - If you are a current homebuyer looking to refinance your home and pocket your equity, +Plus Equity Protection will protect that equity into the future.</image:title>
    </image:image>
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      <image:title>Down Payment Protection - If you are a homebuyer wanting to maintain your flexibility and remove risk from buying a home, +Plus Down Payment Protection is your solution.</image:title>
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    <lastmod>2025-11-19</lastmod>
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    <lastmod>2025-03-25</lastmod>
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  <url>
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    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-25</lastmod>
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      <image:title>Builders</image:title>
      <image:caption>Click to download our +Plus for Builders information sheet.</image:caption>
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    <image:image>
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      <image:title>Builders</image:title>
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    <image:image>
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    <image:image>
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      <image:title>Builders</image:title>
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  </url>
  <url>
    <loc>http://www.valueinsured.com/realtors</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1462473970509-ASIYICT2VJ871ZWMZ06W/image-asset.jpeg</image:loc>
      <image:title>Realtors</image:title>
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    <image:image>
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      <image:title>Realtors</image:title>
      <image:caption>Click to download the +Plus for Realtors information sheet</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1502999752719-KLN6ANPDNUTR67YAFKRB/image-asset.jpeg</image:loc>
      <image:title>Realtors</image:title>
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    <image:image>
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      <image:title>Realtors</image:title>
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    <image:image>
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      <image:title>Realtors</image:title>
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    <image:image>
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      <image:title>Realtors</image:title>
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    <image:image>
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      <image:title>Realtors</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1474394519994-75XERR7LZFRHUSRRPZUX/iStock_000071228571_Large.jpg</image:loc>
      <image:title>Realtors</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1473870547274-MWT6T0EFG8L2TO99V3N0/cityscape.jpg</image:loc>
      <image:title>Realtors</image:title>
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    <loc>http://www.valueinsured.com/lenders</loc>
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    <lastmod>2025-03-25</lastmod>
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      <image:title>Lenders</image:title>
      <image:caption>Click to download the +Plus for Lenders information sheet</image:caption>
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    <image:image>
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    <image:image>
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      <image:title>Lenders</image:title>
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    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1473871382105-Y1Q8ZHDFKKSHHD4QZ6LQ/builder-magazine-logo.png</image:loc>
      <image:title>Lenders</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1474038543802-66E9N2SC5F516T9VSOMQ/Real-Trends-Logo_white.png</image:loc>
      <image:title>Lenders</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1473871382370-ZA44QW24YYMZQQG31S4D/NYT%2BLogo%2B.png</image:loc>
      <image:title>Lenders</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1473871381950-M96QDNAKXKGOSNN4YY69/bankrate-logo-white.png</image:loc>
      <image:title>Lenders</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1473871382186-EJU1ELN1OZZQ7AOQCBZ0/curbed_logo.png</image:loc>
      <image:title>Lenders</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1474038557856-OEQQ3UM73VHEVB7ON3SS/huff2-ID-dfb522b0-20fd-423f-b5f5-b6a0381768ee.png</image:loc>
      <image:title>Lenders</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1474038584519-GW7R4L6SYD66MDENR7GH/nmn-logo-white.png</image:loc>
      <image:title>Lenders</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1473871403282-X1NGT6YXLQC1F2A39DBO/logo-usatoday.png</image:loc>
      <image:title>Lenders</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1474297241025-IWV0WN5M4JQGSAR6KBD5/iStock_000052574250_Full.jpg</image:loc>
      <image:title>Lenders</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1473870547274-MWT6T0EFG8L2TO99V3N0/cityscape.jpg</image:loc>
      <image:title>Lenders</image:title>
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  </url>
  <url>
    <loc>http://www.valueinsured.com/brandlibrary</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-19</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1458233077346-JZ6M7Y49CG09E6Z4PMKZ/styleguide.jpg</image:loc>
      <image:title>Brand Library - Copy of Plus by Value Insured Style Guide (PDF)</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1458233077685-SZ36J9DYW3D88PI9SKGY/colors.jpg</image:loc>
      <image:title>Brand Library - Copy of Colors (PDF)</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516365657224-6KKR5SAG3UT9ALPUKVHH/Builder_front.jpg</image:loc>
      <image:title>Brand Library - Copy of Builder Flyer</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516365732943-YC4LD7PI7RMTLNM6C0HZ/homeBuyer_front.jpg</image:loc>
      <image:title>Brand Library - Copy of Homebuyer Flyer</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516365788894-L6Z8TZWWG4QGZ0H2S6GG/realtor_front.jpg</image:loc>
      <image:title>Brand Library - Copy of Realtor Flyer</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516365981195-TK7VF049ANP7I40MMWQ9/0003_Layer+Comp+4.jpg</image:loc>
      <image:title>Brand Library - Copy of AdLob</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516366165362-R6OL2II4HRMLC2TTRS12/PVI_Simple_V1_300x250.gif</image:loc>
      <image:title>Brand Library - Copy of Media Asset - 300x250</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516366192897-3Z4C4LQZXOY0WVN2WXFN/PVI_Simple_V1_160x600.gif</image:loc>
      <image:title>Brand Library - Copy of Media Asset - 60x600</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516366240256-BPLPVNZGVHAOFV20RJ6Q/PVI_Simple_V2_300x250.gif</image:loc>
      <image:title>Brand Library - Copy of Media Asset - 300x250</image:title>
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    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516366285028-PALQR0FFHUHIDSLARHID/PVI_Simple_V2_160x600.gif</image:loc>
      <image:title>Brand Library - Copy of Media Asset - 60x600</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516370366504-1IN1TEDUA0KUR8Z3AU9E/CautionsCreepingV5.jpg</image:loc>
      <image:title>Brand Library - Copy of Caution Infographic</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516370433179-PX9KNKGCFK7JPQOHN1X7/RuralUrbanDivide_r1.jpg</image:loc>
      <image:title>Brand Library - Copy of Rural-Urban Divide Infographic</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516370702096-OVQG7AHCVGZ8KTWW1IX4/isMarketHealthy_r2.png</image:loc>
      <image:title>Brand Library - Copy of Is the Market Healthy Snippet</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516370818961-PO5OHKHF2JEPDHSC6EIB/Millennials+not+buying+homesR2.png</image:loc>
      <image:title>Brand Library - Copy of Millennial's Not Buying Snippet</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516370762209-DC17L699BF0EB5IBCLP6/homeownersThoughts_v3.png</image:loc>
      <image:title>Brand Library - Copy of Homeowners Thoughts Snippet</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1516371095592-16QHN2S8FHZS2D3OCZQ0/HomeBuyersCompromiseV3.png</image:loc>
      <image:title>Brand Library - Copy of Homebuyers Compromise Snippet</image:title>
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    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1458233572004-ZKLVRY08S8XRFLH4YVB3/bro-inside.jpg</image:loc>
      <image:title>Brand Library - Copy of Trifold Brochure Outside (JPEG)</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1458233584983-T5UJV1SJYKUVTUBI87S6/bro-outisde.jpg</image:loc>
      <image:title>Brand Library - Copy of Trifold Brochure Outside (JPEG)</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/55f70e15e4b0c52333743ae3/1458234940028-JYARWJRZVW2C0CV4E8MR/copy.jpg</image:loc>
      <image:title>Brand Library - Copy of Trifold Brochure Copy (Word)</image:title>
      <image:caption />
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  </url>
</urlset>

