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HA!</image:caption></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2020/08/659f835a-63da-4240-8bea-9fa70c47acc0.jpg</image:loc><image:title>659f835a-63da-4240-8bea-9fa70c47acc0</image:title></image:image><lastmod>2020-08-13T19:28:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2020/06/29/mortgage-rates-hit-record-lows-whos-ready-to-refi/</loc><lastmod>2020-06-30T14:45:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2020/05/13/mortgage-rates-in-the-2s-yeah-i-got-those/</loc><lastmod>2020-05-13T22:38:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2020/04/15/should-you-make-your-next-mortgage-payment/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2020/04/6d414dac-6ee1-4973-b54a-0f8cdb5bc8d7.jpg</image:loc><image:title>6d414dac-6ee1-4973-b54a-0f8cdb5bc8d7</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2020/04/95a49ccb-4512-48f9-a3c8-49a128a6db32.jpg</image:loc><image:title>95a49ccb-4512-48f9-a3c8-49a128a6db32</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2020/04/edfae5b4-1be1-4f9d-a127-dc6b522dee9c.jpg</image:loc><image:title>INGMRF-00123027-001</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2020/04/3867dbf0-3d71-47e5-8d91-ed04be9e5d47.jpg</image:loc><image:title>3867dbf0-3d71-47e5-8d91-ed04be9e5d47</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2020/04/e959fb34-c706-439d-bf8d-aee4215276be.jpg</image:loc><image:title>e959fb34-c706-439d-bf8d-aee4215276be</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2020/04/33211d06-b799-41fd-a98e-adfa2ab7b1af.jpg</image:loc><image:title>WERF-00017390-001</image:title></image:image><lastmod>2020-04-15T18:34:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2020/03/27/a-different-kind-of-march-madness/</loc><lastmod>2020-03-27T20:46:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2020/03/11/mortgage-rates-are-in-a-free-fall-right/</loc><lastmod>2020-03-11T19:50:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/about/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2018/06/matthew-new-pic-e1529516737927.png</image:loc><image:title>Matthew New Pic</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2009/03/dsc_0129-2.jpg</image:loc><image:title>DSC_0129 (2)</image:title></image:image><lastmod>2020-02-07T22:37:21+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://mattsmemos.com/2020/02/04/you-need-to-know-this/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2020/02/cropped-group-e1580846427171.jpg</image:loc><image:title>Cropped Group</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2020/02/f90dec07-34d3-4eaf-95e9-35d07b62f40c.jpg</image:loc><image:title>f90dec07-34d3-4eaf-95e9-35d07b62f40c</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2020/02/61f8d12c-6a75-40c5-ab0d-e5cf2df2e95a.jpg</image:loc><image:title>61f8d12c-6a75-40c5-ab0d-e5cf2df2e95a</image:title></image:image><lastmod>2020-02-05T23:48:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2020/01/28/tooting-our-horn/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2020/01/2020-5star-logo-landscape.jpg</image:loc><image:title>2020 5Star Logo Landscape</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2020/01/matt-2-e1579908998959.jpg</image:loc><image:title>Matt 2</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2020/01/overlapping-1-pie-charts-e1580229127694.png</image:loc><image:title>Overlapping 1% pie charts</image:title></image:image><lastmod>2020-02-04T19:14:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2019/12/09/stories-in-the-making/</loc><lastmod>2019-12-11T04:28:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2019/10/16/team-member-spotlight-barry-harris/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/10/bwg5-4-2018-66.jpg</image:loc><image:title>BWG5-4-2018-66</image:title></image:image><lastmod>2019-10-29T18:48:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2019/10/29/this-should-be-illegal-but-its-not/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/10/57a4bd4a-ba81-4e28-8469-c375644fc0d4.jpg</image:loc><image:title>57a4bd4a-ba81-4e28-8469-c375644fc0d4</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/10/fd647b85-199b-4aaa-b574-995b8e8a99cc-e1572371204299.jpg</image:loc><image:title>fd647b85-199b-4aaa-b574-995b8e8a99cc</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/10/d78d3e52-f72a-4072-a8cb-031d915013ae.jpg</image:loc><image:title>d78d3e52-f72a-4072-a8cb-031d915013ae</image:title></image:image><lastmod>2019-10-29T18:15:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2019/10/28/team-member-spotlight-donna-adams/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/10/bwg5-4-2018-264.jpg</image:loc><image:title>BWG5-4-2018-264</image:title></image:image><lastmod>2019-10-29T18:12:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2019/10/17/ive-never-done-this-before/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/10/football-player-victory-e1571344871666.jpg</image:loc><image:title>football-player-victory</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/10/graph1.png</image:loc><image:title>graph1</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/10/graph2.png</image:loc><image:title>graph2</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/10/graph3.png</image:loc><image:title>graph3</image:title></image:image><lastmod>2019-10-17T21:50:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2019/08/16/war-curves-drama-a-story-line-for-a-refinance-boom/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/08/usa-and-china-trade-war1_-us-of-america-and-chinese-flags-crashed-contain-e1565976584261.jpg</image:loc><image:title>USA and China trade war[1]_ US of America and chinese flags crashed contain</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/08/business-man-drawing-a-graph-edited.jpg</image:loc><image:title>Business man drawing a graph EDITED</image:title></image:image><lastmod>2019-08-16T17:42:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2019/05/14/interest-rates-backyard-landscaping-the-weather-man/</loc><lastmod>2019-05-14T19:27:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2019/04/02/2019-what-to-expect/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/01/chris-hands-2-2.png</image:loc><image:title>chris hands 2 (2)</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/01/chris-hands-2.png</image:loc><image:title>chris hands 2</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/01/crystal-ball-2.jpg</image:loc><image:title>crystal ball (2)</image:title></image:image><lastmod>2019-04-02T18:26:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2019/04/02/its-the-climb-2/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/02/mount20kilimanjaro-1.jpg</image:loc><image:title>mount20kilimanjaro (1)</image:title></image:image><lastmod>2019-04-02T18:24:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2019/03/19/taxes-are-almost-due-are-you-prepared/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/03/jj.jpg</image:loc><image:title>JJ</image:title></image:image><lastmod>2019-03-19T17:30:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2019/02/01/market-update-rates-are-dropping/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/02/rates-dropping.jpg</image:loc><image:title>rates dropping</image:title></image:image><lastmod>2019-02-01T22:51:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2019/01/29/my-business-partner-is-a-champion/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/01/leave-your-feedback.jpg</image:loc><image:title>leave your feedback</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/01/business-superwoman.jpg</image:loc><image:title>business superwoman</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2019/01/capture.jpg</image:loc><image:title>capture</image:title></image:image><lastmod>2019-01-28T23:54:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2019/01/02/i-learn-the-most-from-poor-reviews/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2018/12/Negative-to-Positive.jpg</image:loc><image:title>Negative to Positive</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2018/10/helpful-tips.jpg</image:loc><image:title>Helpful Tips</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2018/10/lessonslearned.jpg</image:loc><image:title>lessonslearned</image:title></image:image><lastmod>2023-11-06T21:52:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2017/09/05/a-penny-saved-is-a-penny-earned/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/08/alberteinstein1.jpg</image:loc><image:title>alberteinstein</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/08/pennyinpiggybank.png</image:loc><image:title>pennyinpiggybank</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/08/dow-jones-100-year-historical-chart-2017-08-17-macrotrends-jpg.png</image:loc><image:title>dow-jones-100-year-historical-chart-2017-08-17-macrotrends.jpg</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/08/bull-by-the-numbers.jpg</image:loc><image:title>BULL-BY-THE-NUMBERS</image:title></image:image><lastmod>2018-12-21T01:43:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2018/12/12/the-fine-line-between-caution-fear-2/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2018/12/Caution.jpg</image:loc><image:title>Caution</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2018/12/andy-and-maddison.jpg</image:loc><image:title>Andy and Maddison</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2018/12/maddison-hiking-e1544572365506.jpg</image:loc><image:title>Maddison hiking</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2018/12/maddison-2.jpg</image:loc><image:title>Maddison (2)</image:title></image:image><lastmod>2018-12-23T14:52:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2018/11/29/major-milestone-in-folsom/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2018/11/folsomranch.png</image:loc><image:title>Folsomranch</image:title></image:image><lastmod>2018-11-28T23:05:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2018/11/15/being-professional-means-being-personal-2/</loc><lastmod>2018-11-14T22:34:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2018/10/15/team-member-spotlight-chris-mcgann/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2018/10/bwg5-4-2018-100.jpg</image:loc><image:title>BWG5-4-2018-100</image:title></image:image><lastmod>2018-10-25T20:23:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2018/10/30/want-to-pay-less-in-taxes-let-us-help/</loc><lastmod>2018-10-19T17:47:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2018/10/04/i-hate-to-talk-politics-but-revisited/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2018/10/yes-on-5.png</image:loc><image:title>Yes on 5</image:title></image:image><lastmod>2018-10-05T21:44:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2018/08/09/message-from-the-middle-of-nowhere/</loc><lastmod>2018-10-05T00:26:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2018/08/28/check-out-our-new-team-video/</loc><lastmod>2018-10-05T00:25:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2018/08/27/team-member-spotlight-jennifer-perry/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2018/08/jenn2.jpg</image:loc><image:title>Jenn2</image:title></image:image><lastmod>2018-08-30T23:02:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2018/08/27/shockley/</loc><lastmod>2018-08-30T22:51:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2018/06/20/new-homes-south-of-50-finally-for-sale/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2018/06/folsom-ranch-aerial.jpg</image:loc><image:title>DCIM100GOPROGOPR7566.JPG</image:title><image:caption>DCIM100GOPROGOPR7566.JPG</image:caption></image:image><lastmod>2018-06-20T18:54:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2018/05/09/interest-rates-inventory-are-rising-will-home-values-begin-to-fall/</loc><lastmod>2018-05-09T19:13:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2018/01/09/should-you-finance-energy-efficient-upgrades-updated-2018/</loc><lastmod>2018-01-09T22:09:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2017/12/19/record-setting-home-prices/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/12/1218-cc-graph.jpg</image:loc><image:title>1218 CC Graph</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/12/cc-414.jpg</image:loc><image:title>CC 414</image:title></image:image><lastmod>2017-12-19T21:43:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2017/10/05/want-to-challenge-your-propertys-assessed-value-i-can-help-with-that/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/10/time_management.jpg</image:loc><image:title>time_management</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/10/business-man-pointing-the-text-time-for-taxes-e1539038533312.jpg</image:loc><image:title>Business man pointing the text Time for Taxes</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/10/tax_man.jpg</image:loc><image:title>Tax_Man</image:title><image:caption>business man being shaken by the taxman</image:caption></image:image><lastmod>2017-12-18T22:25:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2017/09/11/alert-equifax-data-breach-what-you-can-do/</loc><lastmod>2017-09-11T19:31:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2017/08/17/its-time-to-talk-monopoly-again/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/08/concept-conceptual-3d-illustration-young-man-businessman-silhouette-jump-happy.jpg</image:loc><image:title>Concept conceptual 3D illustration young man businessman silhouette jump happy</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/08/property-ladder-2.jpg</image:loc><image:title>Property Ladder (2)</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/08/property-ladder-1.jpg</image:loc><image:title>Property Ladder (1)</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/08/ollie-pic.jpg</image:loc><image:title>Ollie pic</image:title></image:image><lastmod>2017-08-23T15:10:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2017/06/02/spencers-passing-still-inspiring-others/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/06/spencer-and-boat-e1496422762153.jpg</image:loc><image:title>Spencer and boat</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/06/spencer-e1496363121775.jpg</image:loc><image:title>Spencer</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/06/matt-and-spencer-e1496362839593.jpg</image:loc><image:title>Matt and Spencer</image:title></image:image><lastmod>2017-06-02T19:08:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2017/05/12/its-may-bring-on-everything/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/05/may-graph1.jpg</image:loc><image:title>May Graph</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/05/may-graph-21.jpg</image:loc><image:title>May Graph 2</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/05/may-graph-2.jpg</image:loc><image:title>May Graph 2</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/05/may-graph.jpg</image:loc><image:title>May Graph</image:title></image:image><lastmod>2017-05-12T17:26:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2017/03/14/2017-real-estate-market-forecast/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/03/c0501a39-6615-4dce-9c0f-3703cc5aa964.jpg</image:loc><image:title>c0501a39-6615-4dce-9c0f-3703cc5aa964</image:title></image:image><lastmod>2017-03-14T21:02:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2017/02/10/i-hate-to-talk-politics-but/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/02/db3cc97a-2fca-410b-9dd6-2977427f5dfd.jpg</image:loc><image:title>db3cc97a-2fca-410b-9dd6-2977427f5dfd</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/02/moneycnn-screenshot.png</image:loc><image:title>moneycnn-screenshot</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2017/02/20170204_cuk400.jpg</image:loc><image:title>20170204_cuk400</image:title><image:caption>And my favorite magazine, The Economist, crafted a highly controversial artwork piece for the cover on their latest issue. </image:caption></image:image><lastmod>2017-02-10T21:20:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2016/11/10/do-the-big-brokerages-have-big-advantages/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2016/11/david-v-goliath.jpg</image:loc><image:title>david-v-goliath</image:title></image:image><lastmod>2016-11-10T17:37:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2016/06/24/refi-alert-rates-in-a-free-fall-after-uk-vote-to-leave-eu/</loc><lastmod>2016-10-27T16:06:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2016/10/27/remax-is-copying-me-and-im-flattered/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2016/10/motto-franchising-llc-logo.jpg</image:loc><image:title>motto-franchising-llc-logo</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2016/10/remax.jpg</image:loc><image:title>remax</image:title></image:image><lastmod>2016-10-27T16:00:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2016/05/27/should-you-finance-energy-efficient-upgrades/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2016/05/e4e75839-9925-41f3-8d27-75f5e89767d7.jpg</image:loc><image:title>JUIMRF-00019756-001</image:title></image:image><lastmod>2016-05-27T19:54:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2016/04/12/myriad-of-mortgage-options/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2016/04/myriad-of-mortgages.jpg</image:loc><image:title>Myriad of Mortgages</image:title></image:image><lastmod>2016-04-12T20:25:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2016/02/18/2016-real-estate-market-forecast/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2016/02/bear-and-monkey.jpg</image:loc><image:title>Bear and Monkey</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2016/02/homehero-trans.png</image:loc><image:title>homeHero-trans</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2016/02/rose-colored-glasses.png</image:loc><image:title>Rose Colored Glasses</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2016/02/millenials.jpg</image:loc><image:title>Millenials</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2016/02/chinese-new-year-animals-images-20163.jpg</image:loc><image:title>Chinese-new-year-animals-images-20163</image:title></image:image><lastmod>2016-02-18T17:39:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2016/02/04/timing-the-market-is-like-timing-the-weather/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2016/02/dsc_0055.jpg</image:loc><image:title>DSC_0055</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2016/02/dsc_00621.jpg</image:loc><image:title>DSC_0062</image:title><image:caption>The majestic Matterhorn is not always seen this clearly in winter. We were very lucky!</image:caption></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2016/02/dsc_0062.jpg</image:loc><image:title>DSC_0062</image:title></image:image><lastmod>2016-02-04T18:17:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2015/10/23/are-californians-crazy/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2015/10/california-collage.jpg</image:loc><image:title>California Collage</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2015/10/img_2177.jpeg</image:loc><image:title>IMG_2177</image:title><image:caption>Photo courtesy of my super hot (&amp; photographically talented) first-mate, Mary.</image:caption></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2015/10/fruitcakes.jpg</image:loc><image:title>Fruitcakes</image:title></image:image><lastmod>2015-10-23T22:34:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2015/09/10/brokervsbanker/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2015/09/pile-of-money.jpg</image:loc><image:title>Pile of Money</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2015/09/trust-diagram.jpg</image:loc><image:title>Trust Diagram</image:title></image:image><lastmod>2015-09-10T19:20:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2015/08/13/is-what-i-do-legal/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2015/08/backyard-pool.jpg</image:loc><image:title>Backyard Pool</image:title><image:caption>To us, a pool should be a complementary feature to the rest of its surroundings, similar to the mortgage services received when buying a home </image:caption></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2015/08/illegal.jpg</image:loc><image:title>Illegal</image:title></image:image><lastmod>2015-08-13T20:40:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2015/03/26/thoughts-from-a-3-year-old-entrepreneur/</loc><lastmod>2015-03-26T18:14:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2015/02/09/2015-real-estate-market-forecast/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2015/02/2014-mortgage-rate-chart.png</image:loc><image:title>2014 Mortgage Rate Chart</image:title><image:caption>Graph courtesy of ycharts.com</image:caption></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2015/02/forecast.jpg</image:loc><image:title>Forecast</image:title></image:image><lastmod>2015-02-11T17:12:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2014/12/31/2014-in-review/</loc><lastmod>2015-01-17T14:52:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2015/01/16/hear-that-sound-its-a-refi-boom/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2015/01/boom-comic-pop-art-art-print-poster.jpg</image:loc><image:title>A Refi BOOM is underway</image:title></image:image><lastmod>2015-01-16T14:24:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2014/12/17/rates-are-low-will-they-go-lower/</loc><lastmod>2015-01-16T14:02:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2014/10/07/you-helped-me-become-1-in-folsom/</loc><lastmod>2014-10-07T18:21:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2014/09/18/my-hats-off-to-you/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2014/09/hatsofftoyousir_7163990b4f3a977689286e8655533874.jpg</image:loc></image:image><lastmod>2014-09-18T19:53:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2014/04/08/dont-do-it-for-the-trophy/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2014/04/photo-2.jpg</image:loc><image:title>photo 2</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2014/04/photo-1.jpg</image:loc><image:title>photo 1</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2014/04/trophy-28b5b9l.jpg</image:loc><image:title>trophy-28b5b9l</image:title></image:image><lastmod>2014-09-11T22:27:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2014/08/28/i-was-recognized-as-folsoms-realtor-of-the-week/</loc><lastmod>2014-08-28T18:13:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2014/08/21/we-dont-back-down-from-challenges/</loc><lastmod>2014-08-21T20:53:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2014/08/05/are-most-of-your-friends-in-real-estate-too/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2014/08/group-of-high-fives1.jpg</image:loc></image:image><lastmod>2014-08-05T16:39:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2014/03/06/131001-reasons-to-read-this-post/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2014/03/131000-flag.jpg</image:loc><image:title>131000 flag</image:title></image:image><lastmod>2014-03-06T06:36:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2014/02/26/2014-real-estate-market-forecast/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2014/02/2013-price-graph.jpg</image:loc><image:title>2013 Price Graph</image:title><image:caption>2013 Home Prices Rallied Fast, then plateaued in July</image:caption></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2014/02/2013-inventory-graph.jpg</image:loc><image:title>2013 Inventory Graph</image:title><image:caption>The number of homes for sale rose sharply as the year progressed.</image:caption></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2014/02/10yr-inventory-graph.jpg</image:loc><image:title>10yr Inventory Graph</image:title><image:caption>Even though inventory has risen sharply, it is still about as low as we've seen in the last decade.</image:caption></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2014/02/future-prediction.jpg</image:loc></image:image><lastmod>2014-02-27T06:17:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2014/02/13/three-years-in-a-row-is-no-fluke/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2014/02/sacmag.jpg</image:loc><image:title>sacmag</image:title></image:image><lastmod>2014-02-13T14:35:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2013/12/31/got-accountability-re-post/</loc><lastmod>2013-12-31T17:30:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2013/12/10/thinking-of-selling-a-rental-this-is-a-must-watch-video/</loc><lastmod>2013-12-11T06:04:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2013/10/16/everything-is-cooling-off/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2013/10/price-graph.jpg</image:loc><image:title>Average Sales Price</image:title><image:caption>The average sales price has leveled off in recent months</image:caption></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2013/10/for-sale-graph.jpg</image:loc><image:title>Homes For Sale</image:title><image:caption>The number of homes for sale in Sacramento is on the rise</image:caption></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2013/10/fall-2013-pic.jpg</image:loc><image:title>Fall 2013 pic</image:title><image:caption>Fall is Cooling Everything Off</image:caption></image:image><lastmod>2014-09-11T08:31:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2013/09/16/fha-makes-it-easier-to-buy-a-home-again/</loc><lastmod>2013-09-16T18:49:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2013/09/04/meet-our-newest-team-member-check-out-our-facebook-sweepstakes/</loc><lastmod>2013-09-04T15:13:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2013/05/06/low-rates-high-home-values-perfect-time-to-refi/</loc><lastmod>2013-05-04T11:54:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2013/03/07/help-us-raise-awareness-funds-for-homeless-veterans-at-folsom-connections-biz-expo/</loc><lastmod>2013-03-07T17:12:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2013/02/08/2013-market-forecast/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2013/02/final-postcardlong.jpg</image:loc><image:title>Final Postcardlong</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2013/02/sac-avg-sold-price.jpg</image:loc><image:title>Sac avg sold price</image:title><image:caption>The Red Line shows how Sacramento home prices have steadily and dramatically increased</image:caption></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2013/02/reo-homes.jpg</image:loc><image:title>REO homes</image:title><image:caption>These figures show the number of bank-owned REO homes that have hit the market in Sacramento county.</image:caption></image:image><lastmod>2013-02-08T19:00:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2013/02/06/tips-for-2013-refi-ers/</loc><lastmod>2013-02-08T16:55:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2013/02/07/five-star-professional-awards-two-years-in-a-row/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2013/02/emblem_horizontal-re2013-01.png</image:loc><image:title>Emblem_Horizontal-RE2013-01</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2013/02/emblem_horizontal-mp2013-01.png</image:loc><image:title>Emblem_Horizontal-MP2013-01</image:title></image:image><lastmod>2013-02-07T22:10:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2013/02/06/tips-for-2013-home-sellers/</loc><lastmod>2013-02-07T06:41:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2013/02/06/tips-for-2013-home-buyers/</loc><lastmod>2013-02-07T05:41:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2012/10/25/the-blue-waters-group-is-expanding-expecting/</loc><lastmod>2012-10-26T22:42:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2012/09/04/thats-my-daughter-in-the-water/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2012/08/dsc_1111.jpg</image:loc><image:title>That's My Daughter In The Water</image:title></image:image><lastmod>2012-09-12T17:16:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2012/07/08/announcing-the-blue-waters-workshop/</loc><lastmod>2012-09-04T20:30:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2012/05/31/video-post-the-blue-waters-group-office-grand-opening-event/</loc><lastmod>2012-05-31T13:22:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2012/04/03/big-news-ive-started-my-own-company/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2012/04/group.jpg</image:loc><image:title>Group</image:title><image:caption>The Blue Waters Group</image:caption></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2012/04/blue_waters_logo.jpg</image:loc><image:title>blue_waters_logo</image:title></image:image><lastmod>2012-04-03T10:12:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/february-2008-living-in-gratitude/</loc><lastmod>2012-03-19T06:24:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/amazing-refinance-possibilitiesa-must-read/</loc><lastmod>2012-03-19T06:23:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2012/02/03/you-helped-me-win-a-prestigous-award/</loc><lastmod>2012-04-11T16:07:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2011/11/04/getting-in-tune-with-harp-2-0/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2011/11/home-affordable-refinance.jpg</image:loc><image:title>Home-Affordable-Refinance</image:title></image:image><lastmod>2011-11-04T22:12:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2011/11/01/could-30-year-rates-go-to-3-or-3-5/</loc><lastmod>2011-11-03T16:42:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2011/10/24/a-little-less-conversation-a-little-more-action-please/</loc><lastmod>2011-11-18T06:45:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2011/07/21/average-investments-yield-amazing-returns/</loc><lastmod>2011-07-26T16:09:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2011/07/21/real-estate-investors-to-dominate-the-market/</loc><lastmod>2011-07-21T17:48:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2011/07/21/renters-see-prices-skyrocket/</loc><lastmod>2011-07-21T17:46:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2011/05/24/do-you-need-a-real-estate-savior-or-sherpa/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2011/05/mount-everest-2.jpg</image:loc><image:title>Mount Everest 2</image:title></image:image><lastmod>2011-05-18T22:59:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2011/05/18/read-beyond-the-headlines/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2011/05/sar-graph-5_11.gif</image:loc><image:title>SAR Graph 5_11</image:title></image:image><lastmod>2011-05-25T18:56:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2011/03/16/got-inspiration/</loc><lastmod>2011-03-17T15:16:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2011/02/14/2011-real-estate-market-forecast/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2011/02/supply-chart.jpg</image:loc><image:title>Supply chart</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2011/02/money-heart-4.jpg</image:loc><image:title>money-heart-4</image:title></image:image><lastmod>2011-02-14T18:27:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2011/01/26/learn-from-our-neighbors/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2011/01/flags.jpg</image:loc><image:title>flags</image:title><image:caption>Canadian banks were recently named the best in the World by the World Economic Forum.  The U.S. should look north to learn from their achievements, and our mistakes.</image:caption></image:image><lastmod>2011-01-27T00:52:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2011/01/05/want-to-play-monopoly/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2011/01/mr_monopoly_running2.jpg</image:loc><image:title>running graphic</image:title><image:caption>Those with means and foresight are running to buy homes right now</image:caption></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2011/01/mr_monopoly_running1.jpg</image:loc><image:title>running graphic</image:title><image:caption>Those with the means and foresight are running to purchase real estate in today's market</image:caption></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2011/01/mr_monopoly_running.jpg</image:loc><image:title>Monopoly</image:title><image:caption>Those with means and foresight are running to play real-life Monopoly in today's economy</image:caption></image:image><lastmod>2011-02-15T00:38:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/12/16/got-accountability/</loc><lastmod>2010-12-02T21:49:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/11/30/pick-up-the-pace-on-your-mortgage/</loc><lastmod>2010-11-30T18:29:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/09/17/4th-quarter-is-crunch-time/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2010/09/jordan-shot.jpg</image:loc><image:title>Jordan Shot</image:title><image:caption>Michael Jordan hitting one of the most famous Crunch-Time shots in NBA history</image:caption></image:image><lastmod>2010-09-17T21:34:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/08/10/the-fine-line-between-caution-fear/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2010/08/dsc_0838.jpg</image:loc><image:title>Maddison jump</image:title></image:image><lastmod>2010-08-11T17:54:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/06/22/no-cost-free-refinances-are-back/</loc><lastmod>2010-06-22T21:18:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/06/16/being-professional-means-being-personal/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2010/06/trust2.jpg</image:loc><image:title>trust2</image:title></image:image><lastmod>2010-07-05T17:46:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/04/02/cheap-mortgages-may-last-as-investors-replace-fed/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2010/04/ben-4_2010.jpg</image:loc><image:title>ben 4_2010</image:title></image:image><lastmod>2010-05-28T19:19:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/05/04/good-advice-is-not-static/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2010/05/04-13-10-052.jpg</image:loc><image:title>04 13 10 052</image:title></image:image><lastmod>2010-05-28T18:57:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/03/22/its-the-climb/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2010/03/mount20kilimanjaro.jpg</image:loc><image:title>Mount%20Kilimanjaro</image:title></image:image><lastmod>2010-05-28T18:55:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/03/29/more-tax-credits-available-for-california-home-buyers-but-you-better-act-fast/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2010/03/arnold-signing-bill1.jpg</image:loc><image:title>arnold signing bill</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2010/03/arnold-signing-bill.jpg</image:loc><image:title>arnold signing bill</image:title></image:image><lastmod>2010-03-30T04:40:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/03/16/only-22-of-california-consumers-were-happy-with-their-real-estate-agent-in-2009-wow/</loc><lastmod>2010-03-16T16:59:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/02/04/5-reasons-5-reasons-why-refinancing-may-be-a-good-option-now/</loc><lastmod>2010-08-11T18:06:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/02/17/matts-2010-market-forecast/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2010/02/median-price-graph.jpg</image:loc><image:title>Median price graph</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2010/02/for-sale-graph.jpg</image:loc><image:title>For Sale graph</image:title></image:image><lastmod>2010-02-17T23:16:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/01/25/what-does-your-bumper-sticker-say/</loc><lastmod>2010-01-26T03:52:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2010/01/07/even-more-tax-credits-for-california-home-buyers-on-the-way/</loc><lastmod>2010-01-08T00:49:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/12/02/ben-bernanke-friend-or-foe/</loc><lastmod>2009-12-02T21:38:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/11/20/look-around-within-out-to-instill-a-thankful-attitude/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2009/11/dsc_0369.jpg</image:loc><image:title>DSC_0369</image:title></image:image><lastmod>2009-12-04T06:05:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/11/05/home-buyer-tax-credit-extension-nearly-a-done-deal/</loc><lastmod>2009-11-05T16:44:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/10/06/expect-mortgage-rates-to-rise/</loc><lastmod>2009-10-06T21:46:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/10/01/mortgage-rate-rally/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2009/10/stock-market-trading-floor1.jpg</image:loc><image:title>stock-market-trading-floor1</image:title></image:image><lastmod>2009-10-01T23:37:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/09/15/waiting-for-the-market-to-bottom-out-you-may-be-too-late/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2009/09/home-price-chart-9_09.jpg</image:loc><image:title>Home Price Chart 9_09</image:title><image:caption>The last 9 months show a trough starting to form on Sac-town's median home price</image:caption></image:image><lastmod>2009-09-15T23:10:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/09/10/study-finds-walkable-neighborhoods-command-higher-prices/</loc><lastmod>2009-09-10T18:21:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/09/03/a-letter-from-spencer/</loc><lastmod>2009-09-03T21:51:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/08/31/rates-are-down-but-dont-hold-your-breath/</loc><lastmod>2009-08-31T22:14:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/08/05/opt-in-to-opt-out/</loc><lastmod>2009-08-05T22:03:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/07/24/folsom-home-prices-remain-resilient/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2009/07/median-home-prices-7_09.jpg</image:loc><image:title>Median Home Prices 7_09</image:title><image:caption>Here is a history of median home prices since the market peak in August 2005</image:caption></image:image><lastmod>2009-07-27T18:23:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/06/10/preach-what-you-practice/</loc><lastmod>2009-06-11T01:23:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/16/loan-modification-opportunity-courtesy-of-president-obama/</loc><lastmod>2009-04-16T16:32:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/august-2008-challenges/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2009/04/snow-climb-pic.jpg</image:loc><image:title>snow-climb-pic</image:title></image:image><lastmod>2009-04-04T05:33:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/september-2006-dreams-fascination/</loc><lastmod>2009-04-04T05:31:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/march-2009-hurricanes/</loc><lastmod>2009-04-04T05:21:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/december-2007-life-to-do-list-revisited/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2009/04/320-img_0645.jpg</image:loc><image:title>320-img_0645</image:title></image:image><lastmod>2009-04-04T00:19:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/october-2008-setting-the-record-straight-about-credit-markets/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2009/04/panicbutton2.jpg</image:loc><image:title>panicbutton2</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2009/04/panicbutton1.jpg</image:loc><image:title>panicbutton1</image:title></image:image><lastmod>2009-04-03T23:36:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/november-2008-my-favorite-quotes-from-leaders/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2009/04/7765_photo1_fu.jpg</image:loc><image:title>7765_photo1_fu</image:title></image:image><lastmod>2009-04-03T23:30:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/january-2009-my-market-forecast/</loc><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2009/04/j-band-logo.jpg</image:loc><image:title>j-band-logo</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2009/04/crystal-ball.jpg</image:loc><image:title>crystal-ball</image:title></image:image><image:image><image:loc>https://mattsmemos.com/wp-content/uploads/2009/04/panicbutton.jpg</image:loc><image:title>panicbutton</image:title></image:image><lastmod>2009-04-03T23:28:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/june-2008-get-out-therein-your-world/</loc><lastmod>2009-04-03T23:04:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/may-2008-get-out-therein-your-community/</loc><lastmod>2009-04-03T23:03:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/april-2008-get-out-there-a-la-spencer/</loc><lastmod>2009-04-03T23:01:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/march-2008-cest-la-vie/</loc><lastmod>2009-04-03T23:00:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/july-2007-working-and-playing-smart/</loc><lastmod>2009-04-03T22:47:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/may-2007-thanks-for-the-memories-and-great-expectations/</loc><lastmod>2009-04-03T22:45:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/august-2006-100-things-list/</loc><lastmod>2009-04-03T22:35:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/may-2006-goldilocks/</loc><lastmod>2009-04-03T22:34:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/october-2005-words-arent-enough/</loc><lastmod>2009-04-03T22:31:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com/2009/04/03/june-2005-wedding-magic/</loc><lastmod>2009-04-03T22:30:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://mattsmemos.com</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2026-02-28T01:25:29+00:00</lastmod></url></urlset>
