<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//www.scarpero.com/wp-content/plugins/wordpress-seo/css/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://www.scarpero.com/about-me/new-hedshot/</loc>
		<lastmod>2017-12-27T04:07:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/acceptable-sources-payment-funds/uncle-sam-wants-you/</loc>
		<lastmod>2018-01-24T15:59:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/bankruptcy/bk/</loc>
		<lastmod>2018-05-15T21:13:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/bankruptcy/35795292_s/</loc>
		<lastmod>2018-06-28T04:01:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/jumbo-ohio/nice-house/</loc>
		<lastmod>2018-09-15T19:09:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/jumbo-ohio/5-down/</loc>
		<lastmod>2018-09-15T19:32:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/jumbo-ohio/5-down-1/</loc>
		<lastmod>2018-09-15T19:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/certification/fish-teaching/</loc>
		<lastmod>2019-10-25T22:11:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/looking-for-speaking-gigs/bootcamp-267x400/</loc>
		<lastmod>2019-11-08T18:17:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/get-accepted/hot-property/</loc>
		<lastmod>2020-07-14T20:46:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/competitive-market/43276454_m/</loc>
		<lastmod>2020-07-14T20:50:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-condo/condo-2/</loc>
		<lastmod>2020-07-29T16:12:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/get-accepted/sold/</loc>
		<lastmod>2020-07-29T16:23:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/military-mortgage/</loc>
		<lastmod>2021-12-30T03:59:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/amputee-softball2/</loc>
		<lastmod>2021-12-30T04:24:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/bank-icon/</loc>
		<lastmod>2021-12-30T07:04:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/skyline/</loc>
		<lastmod>2021-12-30T07:09:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/skyline2/</loc>
		<lastmod>2021-12-30T07:11:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/shopping-online/</loc>
		<lastmod>2021-12-30T07:17:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/shopping-online-2/</loc>
		<lastmod>2021-12-30T07:18:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/finance/</loc>
		<lastmod>2021-12-30T07:20:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/interest/</loc>
		<lastmod>2021-12-30T07:24:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/business/</loc>
		<lastmod>2021-12-30T07:27:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/sponsor/</loc>
		<lastmod>2021-12-31T02:47:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/home-purchase-basics/new-gadef/</loc>
		<lastmod>2021-12-31T03:14:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/home-purchase-basics/key/</loc>
		<lastmod>2021-12-31T03:23:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/home-purchase-basics/signature/</loc>
		<lastmod>2021-12-31T03:47:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/home-purchase-basics/real-estate/</loc>
		<lastmod>2021-12-31T03:50:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/finlocker/filing-cabinet/</loc>
		<lastmod>2021-12-31T04:02:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/finlocker/security/</loc>
		<lastmod>2021-12-31T04:07:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/finlocker/money/</loc>
		<lastmod>2021-12-31T04:12:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/finlocker/businessman/</loc>
		<lastmod>2021-12-31T04:14:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/finlocker/vw-beetle/</loc>
		<lastmod>2021-12-31T04:17:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/finlocker/business-2/</loc>
		<lastmod>2021-12-31T04:19:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/elementor-hf/footer/equal-housing-logo-small/</loc>
		<lastmod>2022-01-03T11:39:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-to-use-the-google-rate-checker-tool/attachment/4902/</loc>
		<lastmod>2023-01-09T04:22:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-loan-certificate-of-eligibility-coe-everything-you-want-to-know-about-the-coe/attachment/4924/</loc>
		<lastmod>2023-01-09T04:22:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-issues-new-guidance-about-cannabis-income-july-2022-update/attachment/5028/</loc>
		<lastmod>2023-01-09T04:22:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/?attachment_id=5364</loc>
		<lastmod>2023-02-14T03:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-a-va-renovation-loan-can-help-you-create-your-dream-home/va-guidance-on-reno/</loc>
		<lastmod>2023-06-15T19:47:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-a-va-renovation-loan-can-help-you-create-your-dream-home/va-reno/</loc>
		<lastmod>2023-06-15T20:20:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-to-get-a-va-home-loan-with-bad-credit/bad_credit/</loc>
		<lastmod>2023-06-27T16:40:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-to-get-a-va-home-loan-with-bad-credit/bad-credit-va-loans-2/</loc>
		<lastmod>2023-06-27T16:41:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/?attachment_id=5886</loc>
		<lastmod>2023-07-05T17:12:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/nonqm-ohio/qualify/</loc>
		<lastmod>2023-07-07T16:06:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/frequently-asked-questions-about-va-renovation-loans/va-reno-1/</loc>
		<lastmod>2023-07-31T17:54:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/book/71fkymrwdyl-_sy522_/</loc>
		<lastmod>2023-11-03T19:37:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/elementor-hf/footer/inc-500-fastest-growing-company_web-c/</loc>
		<lastmod>2023-12-08T18:07:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/elementor-hf/footer/aime-logo/</loc>
		<lastmod>2023-12-08T18:08:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/elementor-hf/footer/bbb-logo-1-crop/</loc>
		<lastmod>2023-12-08T18:09:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/h7-2/</loc>
		<lastmod>2023-12-08T18:41:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/elementor-hf/footer/nia/</loc>
		<lastmod>2023-12-22T17:10:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/media/good-day-dayton/</loc>
		<lastmod>2024-02-26T18:26:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/media/cincinnati/</loc>
		<lastmod>2024-02-26T18:36:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-buy-a-mixed-use-property-with-a-va-loan/mixed-use-guidelines/</loc>
		<lastmod>2024-03-08T22:22:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-buy-a-mixed-use-property-with-a-va-loan/va-handbook-joint-loan-mixed/</loc>
		<lastmod>2024-03-08T22:27:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-buy-a-mixed-use-property-with-a-va-loan/mixed-use/</loc>
		<lastmod>2024-03-08T22:39:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-the-nar-settlement-affects-va-home-buyers/nar-settlement/</loc>
		<lastmod>2024-03-16T20:18:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-home-loans-and-extenuating-circumstances/va-extenuating/</loc>
		<lastmod>2024-07-20T21:42:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-home-loans-and-extenuating-circumstances/va-extenuating-1/</loc>
		<lastmod>2024-07-20T21:46:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-to-get-a-va-home-loan-after-a-bankruptcy/va-bk-rules/</loc>
		<lastmod>2024-07-28T20:20:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/a-va-home-loan-success-story/maxresdefault/</loc>
		<lastmod>2024-12-03T21:20:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/bad-credit-va-loan-after-divorce-what-to-do-if-your-ex-trashes-your-credit/va-loan-after-divorce/</loc>
		<lastmod>2024-12-03T21:27:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-manual-underwriting-your-key-to-va-home-loan-approval-if-you-have-bad-credit/va-manual-underwriting/</loc>
		<lastmod>2024-12-05T16:31:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/what-to-do-if-you-are-turned-down-by-veterans-united-or-another-online-lender/va-loans-denied-by-veterans-united/</loc>
		<lastmod>2024-12-12T16:40:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/advantages-to-buying-a-home-in-the-winter/copy-of-va-after-foreclosure-1/</loc>
		<lastmod>2024-12-20T19:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/what-is-intermittent-occupancy-with-the-va-home-loan/design-2/</loc>
		<lastmod>2024-12-30T17:43:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-buy-a-rental-property-with-a-va-home-loan/can-you-buy-a-rental-property-with-a-va-home-loan-1/</loc>
		<lastmod>2024-12-31T16:06:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/a-scam-is-happening-to-our-nations-veterans/attachment/2/</loc>
		<lastmod>2025-01-06T21:36:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/what-is-payment-shock-on-a-va-home-loan/what-is-payment-shock-on-a-va-home-loang1/</loc>
		<lastmod>2025-01-07T20:45:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/who-are-you-listening-to-for-mortgage-advice/who-are-you-listening-to-for-mortgage-adviceg3/</loc>
		<lastmod>2025-01-07T20:52:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-home-loans-after-foreclosure-heres-how-to-get-approved-2/after-foreclosure/</loc>
		<lastmod>2025-01-07T21:05:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-to-get-approved-for-a-va-loan-with-no-credit-score/no-credit/</loc>
		<lastmod>2025-01-10T18:08:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/who-is-the-best-lender-for-a-va-loan-with-bad-credit/best-lenders/</loc>
		<lastmod>2025-01-10T18:16:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-get-a-va-loan-with-a-repo-on-credit/repo/</loc>
		<lastmod>2025-01-10T18:24:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/what-are-some-of-the-disadvantages-of-a-va-loan/surprises/</loc>
		<lastmod>2025-01-10T20:53:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-roll-in-closing-costs-on-a-va-loan/roll-costs/</loc>
		<lastmod>2025-01-10T21:05:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-get-a-va-loan-if-you-are-the-child-of-a-veteran/child-of-veteran/</loc>
		<lastmod>2025-01-10T21:11:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-get-a-va-loan-if-you-are-the-child-of-a-veteran/hard-to-close/</loc>
		<lastmod>2025-01-10T21:28:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-get-a-va-loan-with-open-collections-on-credit/open-collections/</loc>
		<lastmod>2025-01-10T21:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-get-a-property-tax-discount-if-on-va-disability/property-tax/</loc>
		<lastmod>2025-01-10T21:43:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/housing-history-requirements-for-va-home-loans/buztkpcwhfl3seztblwqusashnx96mvfuuvloocgarudpgtufwjrnjtm7bodo7sp_1736817348542af90818d-2f39-4781-90f1-9595bfa80c62/</loc>
		<lastmod>2025-01-15T23:37:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-to-get-a-va-home-loan-with-bad-credit/3b5a4536-85c4-4e39-9342-b605fa2ec228/</loc>
		<lastmod>2025-05-02T14:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-to-get-a-va-home-loan-with-bad-credit/va_home_loan_small/</loc>
		<lastmod>2025-05-02T14:03:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-to-get-a-va-home-loan-with-bad-credit/chapter-7-bk/</loc>
		<lastmod>2025-05-02T16:46:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-to-get-a-va-home-loan-with-bad-credit/ch-13/</loc>
		<lastmod>2025-05-02T16:48:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-to-get-a-va-home-loan-with-bad-credit/foreclosure-va-handbook/</loc>
		<lastmod>2025-05-02T16:57:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/the-truth-about-va-loans-and-bad-credit/bad-credit-va-2/</loc>
		<lastmod>2025-05-04T18:31:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/warning-please-watch-this-before-selling-your-home-on-subject-to/waning/</loc>
		<lastmod>2025-05-04T18:40:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/the-unusual-va-and-fha-loan-qualification-rule-after-a-business-bankruptcy/va-extenuating-1-2/</loc>
		<lastmod>2025-05-04T18:57:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/when-the-va-loan-makes-sense-vs-other-mortgage-types/when-va/</loc>
		<lastmod>2025-05-04T19:16:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-buy-a-high-end-property-with-a-va-loan/2-carlos-yt-thumbnail-high-end-property-209559/</loc>
		<lastmod>2025-05-04T19:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-buy-a-high-end-property-with-a-va-loan/1-2/</loc>
		<lastmod>2025-05-04T19:40:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/are-you-trusting-experts-for-your-va-mortgage-advice/expert-copy/</loc>
		<lastmod>2025-05-04T19:54:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/are-you-trusting-experts-for-your-va-mortgage-advice/advice-yt/</loc>
		<lastmod>2025-05-04T19:56:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/why-getting-a-home-inspector-is-critical-for-your-home-purchase/home-inspector/</loc>
		<lastmod>2025-05-04T20:05:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/a-backdoor-way-to-get-a-lower-mortgage-rate/lower-rate/</loc>
		<lastmod>2025-05-04T20:22:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-gi-bill-benefits-be-used-toward-a-va-home-loan/gi-bill-updated/</loc>
		<lastmod>2025-05-04T20:31:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/letter-of-explanation-your-key-to-home-loan-approval/letter-of-explanation/</loc>
		<lastmod>2025-05-04T20:43:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/breaking-how-the-government-freeze-will-affect-va-home-loans/govt-freeze/</loc>
		<lastmod>2025-05-04T20:45:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-a-second-job-income-be-used-toward-qualifying-on-va/second-job/</loc>
		<lastmod>2025-05-05T03:15:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/bad-credit-va-loans-all-your-questions-answered/bad-credit-faq-3-1/</loc>
		<lastmod>2025-05-05T03:39:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/the-va-energy-efficient-mortgage-eem-the-complete-guide/va-eem-1/</loc>
		<lastmod>2025-05-07T23:06:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-reno-vs-203k-which-renovation-program-is-best/va-reno-vs-203k/</loc>
		<lastmod>2025-05-09T23:40:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-get-a-va-loan-with-bounced-checks/va-bounded-checks/</loc>
		<lastmod>2025-05-20T02:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/credit-utilization-the-1-mistake-that-hurts-your-score/credit-utilization/</loc>
		<lastmod>2025-05-20T14:16:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/do-mortgage-credit-inquiries-drop-my-scores-how-many-points-will-i-lose-when-they-pull-credit/credit-inquiries/</loc>
		<lastmod>2025-05-20T14:23:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/adding-authorized-user-to-credit-card-increase-your-credit-score-fast/authorized-user/</loc>
		<lastmod>2025-05-20T15:00:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/paying-off-collections-and-why-it-can-hurt-you/paying-collections/</loc>
		<lastmod>2025-05-20T15:02:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-you-become-a-mortgage-trigger-lead-and-tips-on-how-to-stop-it/trigger-leads/</loc>
		<lastmod>2025-05-20T15:36:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-have-two-va-loans-at-the-same-time/two-va-loans-1/</loc>
		<lastmod>2025-06-11T16:08:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-to-use-a-va-bonus-entitlement-calculator/va-calculator-1/</loc>
		<lastmod>2025-06-11T16:22:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/?attachment_id=11366</loc>
		<lastmod>2025-08-09T15:12:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/?attachment_id=11367</loc>
		<lastmod>2025-08-09T15:23:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-exclude-debts-paid-by-others-on-a-va-loan/excluding_co_signer_debts_5dc7fe5c-0cb3-42d5-b19f-30d50d363e6b/</loc>
		<lastmod>2025-08-12T15:40:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/the-truth-about-how-many-home-sellers-are-out-there/redfin-wrong-1/</loc>
		<lastmod>2025-08-12T16:18:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/edge-home-finance-is-now-hiring-loan-officers/hiring-3/</loc>
		<lastmod>2025-08-12T16:25:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/the-6-most-common-mistakes-that-va-homebuyers-make/va-mistakes-1/</loc>
		<lastmod>2025-08-12T16:27:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/the-truth-about-how-many-home-sellers-are-out-there/redfin-wrong-1-2/</loc>
		<lastmod>2025-08-12T16:31:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/tour-of-va-loans-made-easy-skool-community/my-skool/</loc>
		<lastmod>2026-02-09T22:09:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/exposing-the-lies/lies2/</loc>
		<lastmod>2026-02-10T17:07:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/refi-to-a-higher-va-loan-rate/refi-higher-rate/</loc>
		<lastmod>2026-02-10T17:14:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/why-qualification-amounts-vary/qualfication-amounts/</loc>
		<lastmod>2026-02-10T17:21:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-national-guard-mileage-reimbursements-be-used/mileage-bonus/</loc>
		<lastmod>2026-02-10T20:46:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/50-year-mortgage-affordability/50-year-affordability/</loc>
		<lastmod>2026-02-10T20:56:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-irrrl-refinance-vs-va-cashout/va-refi-rules/</loc>
		<lastmod>2026-02-10T21:00:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/shocking-results-of-the-navy-fed-va-loan-survey/navy-fed-study/</loc>
		<lastmod>2026-02-10T21:04:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/who-should-and-should-not-get-the-50-year/50-year-mortgage-smart/</loc>
		<lastmod>2026-02-10T21:13:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/portable-mortgages-explained/portable/</loc>
		<lastmod>2026-02-10T21:16:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-trump-really-lower-mortgage-rates/trump-mortgage-rates/</loc>
		<lastmod>2026-02-10T21:28:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-to-get-a-va-loan-when-you-work-on-commission/va-loans-commission/</loc>
		<lastmod>2026-02-10T21:40:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/can-you-have-multiple-properties-with-a-single-va-loan/multiple-parcels/</loc>
		<lastmod>2026-02-10T21:43:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/bah-calculator/34cea8c0-7559-4485-a797-2496ea2f948e/</loc>
		<lastmod>2026-02-15T22:54:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-bonus-entitlement-calculator/va-bonus/</loc>
		<lastmod>2026-02-16T01:30:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/mortgage-prepayment-calculator/mort-calc/</loc>
		<lastmod>2026-02-16T02:12:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/mortgage-prepayment-calculator/mort-calc-2/</loc>
		<lastmod>2026-02-16T02:15:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-irrrl-recoup-calculator/va-irrrl/</loc>
		<lastmod>2026-02-16T03:05:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-cash-out-savings-calculator/87c2eed2-c991-44d0-b41b-b726015d10eb/</loc>
		<lastmod>2026-02-17T19:16:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/mortgage-calculators/mort-calc-3/</loc>
		<lastmod>2026-02-20T02:32:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-residual-income-calculator/va-residual/</loc>
		<lastmod>2026-02-23T00:54:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/media/nmp/</loc>
		<lastmod>2026-03-21T20:04:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/media/mpa/</loc>
		<lastmod>2026-03-21T20:04:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/media/aime-fullcolor-vertical-01-logo/</loc>
		<lastmod>2026-03-21T20:04:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/media/mpa-2/</loc>
		<lastmod>2026-03-21T20:13:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/media/nmp-logo/</loc>
		<lastmod>2026-03-21T20:18:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/media/realtor-logo/</loc>
		<lastmod>2026-03-21T20:31:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/media/yahoo-finance-logo/</loc>
		<lastmod>2026-03-21T20:37:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/bad-credit-va-3/</loc>
		<lastmod>2026-05-09T16:46:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/va-reno-2/</loc>
		<lastmod>2026-05-09T16:56:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/?attachment_id=12627</loc>
		<lastmod>2026-05-16T17:16:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/how-to-get-a-va-home-loan-after-a-bankruptcy/video-thumbnail-for-youtube-video-4-f5rm28hpm/</loc>
		<lastmod>2026-05-16T17:33:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/?attachment_id=12713</loc>
		<lastmod>2026-05-17T21:21:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/test-page-2/video-thumbnail-for-youtube-video-volajly8ed4/</loc>
		<lastmod>2026-05-18T00:44:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-home-loans-after-foreclosure-heres-how-to-get-approved-2/video-thumbnail-for-youtube-video-vhhlwzync1o-2/</loc>
		<lastmod>2026-05-18T01:25:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.scarpero.com/va-mortgage-expert/video-thumbnail-for-youtube-video-volajly8ed4-2/</loc>
		<lastmod>2026-07-12T05:04:11+00:00</lastmod>
	</url>
</urlset>
<!-- XML Sitemap generated by Yoast SEO -->