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  <url>
    <loc>https://www.flaremortgagegroup.com/blog</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-16</lastmod>
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  <url>
    <loc>https://www.flaremortgagegroup.com/blog/singleinrealestate</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-06</lastmod>
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      <image:title>Blog - Single and ready to mingle…in real estate. - The “most romantic month of the year” can bring up some unwanted feelings if you find yourself still looking for Mr. or Mrs. Right. And if you’ve been dreaming of homeownership, the reality of a single income can really add insult to injury.</image:title>
      <image:caption>But while owning a home and investing in real estate might be easier when there are 2 cheques hitting the bank, it is absolutely possible to set a successful table for 1. Let’s talk about it!</image:caption>
    </image:image>
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      <image:title>Blog - Single and ready to mingle…in real estate.</image:title>
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      <image:title>Blog - Single and ready to mingle…in real estate.</image:title>
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      <image:title>Blog - Single and ready to mingle…in real estate.</image:title>
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  <url>
    <loc>https://www.flaremortgagegroup.com/blog/aligningyourmortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-01</lastmod>
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      <image:title>Blog - Your mortgage shouldn’t hold you back from your goals - it should help you get there. - A brand new year is the perfect time to usher in some fresh perspective, right?</image:title>
      <image:caption>And since 2023 was a real doozy for most of us, the timing could not be better to start shifting our intentions and our decision-making to protect our families, our peace and our bottom lines more than ever before.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1eab766c-9fec-4cb8-9d69-68eec9db3dbc/nick-morrison-FHnnjk1Yj7Y-unsplash+%281%29.jpg</image:loc>
      <image:title>Blog - Your mortgage shouldn’t hold you back from your goals - it should help you get there.</image:title>
    </image:image>
    <image:image>
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      <image:title>Blog - Your mortgage shouldn’t hold you back from your goals - it should help you get there.</image:title>
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  <url>
    <loc>https://www.flaremortgagegroup.com/blog/taxoptimization2023</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-04</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1701288360365-MROKIYD0ADXGKI8GIXPF/image-asset.jpeg</image:loc>
      <image:title>Blog - Nothing says ‘holiday cheer’ quite like talking about our taxes, right? - The stockings are hung by the chimney with care and the end of this tax year soon will be here. So, while we are gearing up to lean into the most wonderful time of the year, let’s take a pause to discuss everyone’s favourite topic - taxes.</image:title>
      <image:caption>But instead of dwelling on the expensive inevitability, we’re going to take a look at how you can optimize your taxes as a homeowner, lower your obligation and leave more money in your pocket come tax season. It’s a festive conversation, after all!</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1701293125235-AE3THWOV1AL42HV1J7C3/image-asset.jpeg</image:loc>
      <image:title>Blog - Nothing says ‘holiday cheer’ quite like talking about our taxes, right?</image:title>
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      <image:title>Blog - Nothing says ‘holiday cheer’ quite like talking about our taxes, right?</image:title>
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  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/equityasatool</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-29</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1696107248588-QN8I7SJERUQNG6Y6ET0H/image-asset.jpeg</image:loc>
      <image:title>Blog - The key to relieving your financial stress could be inside your four walls. - They say that money can’t buy happiness, and of course, at its core, that adage is true. But money can buy some freedom, some rest and some stress relief in trying financial times.</image:title>
      <image:caption>But suddenly increasing your income isn’t exactly as easy as snapping your fingers (at least for most of us). Instead, we are left with the tools we do build the life we want and to secure out financial futures. This is where valuable home equity comes in. *Make sure to read to the end of this post to learn how helping your friends learn about their valuable equity can help you win a Kananaskis spa weekend.</image:caption>
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      <image:title>Blog - The key to relieving your financial stress could be inside your four walls.</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1696020197576-28F5T0EFID0DFLYONLRX/image-asset.jpeg</image:loc>
      <image:title>Blog - The key to relieving your financial stress could be inside your four walls.</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1696020132483-6VQLWB6NNC66RJ50C9X6/image-asset.jpeg</image:loc>
      <image:title>Blog - The key to relieving your financial stress could be inside your four walls.</image:title>
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  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/fallbudget</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-29</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1693370706494-1CDHBPGNA7GTODL42CYD/image-asset.jpeg</image:loc>
      <image:title>Blog - Don’t save a new budget for a new year. - As the leaves change and the kids head back to school, September hands us as clean a slate as January when it comes to resetting our goals, our intentions and yes, even our budgets.</image:title>
      <image:caption>And with the tumultuous summer our economy has had and the uncertain months ahead, there is no better time than this fall to focus on how our budget can help us not just survive, but thrive financially.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1693370740763-BVUDIVWDVBENU01JRSN5/image-asset.jpeg</image:loc>
      <image:title>Blog - Don’t save a new budget for a new year.</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1693417820736-Y1JZD409LYL7912HX2QI/image-asset.jpeg</image:loc>
      <image:title>Blog - Don’t save a new budget for a new year.</image:title>
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      <image:title>Blog - Don’t save a new budget for a new year.</image:title>
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  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/greenergrass</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-08-30</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1690405509460-FJ84FYUAGKJZR82A6Q0W/image-asset.jpeg</image:loc>
      <image:title>Blog - Newer grass isn’t always greener - If you have had your sights set on selling your current home and moving up to your next, then you’re no doubt feeling discouraged after we saw just a hint of renewed market vibrancy earlier this spring.</image:title>
      <image:caption>But if you’re feeling stuck in your current home, moving doesn’t have to be the only solution! There are changes you can make to help you love your space more now and increase its value for when it comes time to sell. Plus, by leveraging your valuable equity and the Canada Greener Homes Grant, you could end up saving yourself money today.</image:caption>
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      <image:title>Blog - Newer grass isn’t always greener</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1690408303406-NZLH0WRSGZ63SFAP17KF/image-asset.jpeg</image:loc>
      <image:title>Blog - Newer grass isn’t always greener</image:title>
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  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/whenratesarehigh</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-07-26</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1688161197571-FG15D299O7E6MPCHI8OF/image-asset.jpeg</image:loc>
      <image:title>Blog - Keeping your feet on the ground when rates are sky high. - Earlier this spring we felt light as air as the Bank of Canada’s overnight rate remained on pause and fixed rates saw considerable drops. It was almost as if we were facing down the beginning of the end!</image:title>
      <image:caption>Now, as we head into the belly of summer, we are back at the mercy of high rates and awaiting what some believe could be another increase or two yet to come. But we have navigated high-rate environments before and always come out the other side. So while we are in the thick of it, here are a few things to remember.</image:caption>
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      <image:title>Blog - Keeping your feet on the ground when rates are sky high.</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1688166450909-2GM5MAKKM8EGK7IG5ZAY/image-asset.jpeg</image:loc>
      <image:title>Blog - Keeping your feet on the ground when rates are sky high.</image:title>
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      <image:title>Blog - Keeping your feet on the ground when rates are sky high.</image:title>
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  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/ratesarebackinflux</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-06-30</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1685474259898-6EC7AY5O88THLAWOP1W1/image-asset.jpeg</image:loc>
      <image:title>Blog - Rates are back in flux this summer - here’s everything you need to know. - Summer is (almost) officially here and most of us want to be focused on the sunshine and not more shifts in mortgage rates - but alas, the market has other plans!</image:title>
      <image:caption>Fixed rates are on the rise again, and after a quick moment of reprieve, we’re back to waiting to see what the Bank of Canada does next. But don’t panic - instead, let’s jump into exactly what is happening out there and how to set yourself up for success no matter what this summer brings.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1685474318448-N7G44TE0OZF7J932AOXH/image-asset.jpeg</image:loc>
      <image:title>Blog - Rates are back in flux this summer - here’s everything you need to know.</image:title>
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      <image:title>Blog - Rates are back in flux this summer - here’s everything you need to know.</image:title>
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  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/goingcommercial</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-05-30</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/8cd23d29-bd13-4b36-922d-bab05e77f497/unsplash-image-TWJmj182gu4.jpg</image:loc>
      <image:title>Blog - Commercial mortgages aren’t just for the big guys. - When you hear the term “commercial mortgage,” images of CEOs in skyscrapers and big-time property developers come to mind, right? You’re not alone in that! Unless you’ve had to access commercial lending, then you’ve probably never had to consider what it actually means.</image:title>
      <image:caption>So you might be surprised to learn that not only commercial mortgages not just for corporations, but that you might actually be closer to commercial financing than you think!</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1682701028865-J53CZODOB9IL1GZHHYAQ/unsplash-image-xhKG01FN2uk.jpg</image:loc>
      <image:title>Blog - Commercial mortgages aren’t just for the big guys.</image:title>
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  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/newspringmarket</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-28</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1682635920205-06I8ZGE7VG10R11YZKJW/unsplash-image-L7EwHkq1B2s.jpg</image:loc>
      <image:title>Blog - Is this spring the start of a fresh real estate market? - It feels like the home stretch into spring has been particularly refreshing this year, doesn’t it? After 3 Marches in a row of less than stellar news (germs and rate increases and recessions - oh my!), the promise of some warmth in the air and the real estate market is being welcomed with open arms.</image:title>
      <image:caption>But with the market picking up speed and prices increasing for the first time in nearly a year, how will this new market moment impact prospective buyers? Let’s discuss!</image:caption>
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      <image:title>Blog - Is this spring the start of a fresh real estate market?</image:title>
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      <image:title>Blog - Is this spring the start of a fresh real estate market?</image:title>
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  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/theupsideofbadnews</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-27</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/38a152e1-5cd3-4638-b070-e1956bc24432/sandra-grunewald-icB9CXGEOh0-unsplash.jpg</image:loc>
      <image:title>Blog - Could there be an upside to this daunting financial news? - This March brought more than just some fresh springtime snow - it also brought the fall of one of the US’s biggest banks and a fallout of unrest in the global banking system.</image:title>
      <image:caption>But what does that actually mean for you, your money and your mortgage? Today we’re breaking down what exactly happened south of the border, explaining what it could mean for Canada and highlighting a few (yep, believe it or not) silver linings.</image:caption>
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      <image:title>Blog - Could there be an upside to this daunting financial news?</image:title>
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  <url>
    <loc>https://www.flaremortgagegroup.com/blog/istherrspworthit</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-03-31</lastmod>
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      <image:title>Blog - Is investing in your RRSP really worth it? - The 2022 RRSP contribution deadline is March 1st, and this time of year always brings up a thousand questions - Should I contribute? What are the tax implications? Are there benefits beyond retirement funds? Are there better options?</image:title>
      <image:caption>As much as the trusty ol’ Registered Retirement Savings Plan has a reputation for being your grandpa’s preferred method of saving, it can actually provide far more opportunity for growth than you might think!</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/f7f1576e-44f2-4dbf-af87-23a83e97acf1/nick-morrison-FHnnjk1Yj7Y-unsplash.jpg</image:loc>
      <image:title>Blog - Is investing in your RRSP really worth it? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1675299649987-7FTB6I4DDZ2VUTGO444S/unsplash-image-OtXADkUh3-I.jpg</image:loc>
      <image:title>Blog - Is investing in your RRSP really worth it? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:title>Blog - Is investing in your RRSP really worth it?</image:title>
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  <url>
    <loc>https://www.flaremortgagegroup.com/blog/reviewingyourmortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/3494a1ec-8802-446e-9387-9d74c559f8ce/ave-calvar-Mu1m28njrUo-unsplash.jpg</image:loc>
      <image:title>Blog - Reviewing your mortgage regularly is sort of like getting your teeth cleaned. - Bare with us on the analogy here but consider the difference between attending all of your regular check-ups and cleanings and only going to the dentist when something hurts. The latter usually leaves you with an unexpected bill and a nagging ache in your head. The former, other hand, can help prevent a world of hurt.</image:title>
      <image:caption>It’s the same with your mortgage! You might not think about reviewing its terms until you have to, but getting in the habit of checking in regular can end up saving you thousands. Here are some core reasons why we recommend regular mortgage reviews, and why now is as good a time as ever.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/f7f1576e-44f2-4dbf-af87-23a83e97acf1/nick-morrison-FHnnjk1Yj7Y-unsplash.jpg</image:loc>
      <image:title>Blog - Reviewing your mortgage regularly is sort of like getting your teeth cleaned. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1675299649987-7FTB6I4DDZ2VUTGO444S/unsplash-image-OtXADkUh3-I.jpg</image:loc>
      <image:title>Blog - Reviewing your mortgage regularly is sort of like getting your teeth cleaned. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/newyearnewmarketnewgoals</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-02-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1672286193507-G0T2KJX8D5XZK7CLURYK/unsplash-image-0ZYurfiTwoM.jpg</image:loc>
      <image:title>Blog - New year, new market, new goals. - And just like that another year is behind us - yet another marked by more “unprecedented” times, once-in-a-lifetime events and mountains of uncertainty. For many of us, 2022 brought more questions than it did answers and and left us feeling uncertain about what 2023 will bring for our health, our finances, and the wellness of ourselves and our families.</image:title>
      <image:caption>So in these final days of the year we are focusing on not just the wins of the year past, but the tools we can use to achieve our goals in the year ahead, and we invite you to do the same. We are in this together!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1672353500290-72SV90APFLJ09DUI388M/unsplash-image-k-xKzowQRn8.jpg</image:loc>
      <image:title>Blog - New year, new market, new goals. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1672355836333-QPAJ2VDV6OA81AVWWBRK/unsplash-image-wS73LE0GnKs.jpg</image:loc>
      <image:title>Blog - New year, new market, new goals. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/pricedownratesup</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1669936619537-CX37TIXCYD4ZDQKGUX66/unsplash-image-q9nZUFC1nTw.jpg</image:loc>
      <image:title>Blog - Prices are coming down but rates keep heading up. What does this mean for you? - Over the past several months as interest rates have continued to trend upward, the real estate market has slowed down. And as more buyers take to the sidelines to wait out the return of lower rates the prices of homes that were at record-highs last year have started to drop.</image:title>
      <image:caption>Prices in Alberta have been some of slowest to fall and actually saw a minor (0.2% increase) last month. But with rates continuing the climb and more Albertans choosing condos over detached homes, we’re expecting more downward pressure on prices this winter. If you are considering purchasing either in Alberta or elsewhere this winter, here are some things to consider.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1669936773099-JFXXN0NNWHUDDW20XBM2/unsplash-image-Qngdf0kgGB4.jpg</image:loc>
      <image:title>Blog - Prices are coming down but rates keep heading up. What does this mean for you? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/g65bgq176u7yxbl57fcky1bl2nwj5d</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-11-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/0eaa5318-f48c-44a2-bfc9-3f3f24b2121a/Depositphotos_167932250_S.jpg</image:loc>
      <image:title>Blog - Why Buy a Home at the End of the Year - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/paymentshock</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-12-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1666709053461-BZECOQO1GWZNCY0PK8GD/unsplash-image-Uduc5hJX2Ew.jpg</image:loc>
      <image:title>Blog - Considering payment shock (and what you can do about it). - If you were one of the lucky Canadians to nab your first home when rates were at their historic, sub-2% lows then you’ve probably already started to consider the shift that will happen when your term is complete. With fixed rates now surpassing 5%, you could be facing a payment increase that will have a significant impact on your monthly budget - a phenomenon known as payment shock.</image:title>
      <image:caption>Making any significant adjustments to our household budgets can be daunting at the best of times, but with a recession looming an extra level of concern is absolutely valid. But there are some things that we can do as your mortgage professionals to ensure that your budget stays on track, your payments stay feasible, and you are not thrown for a loop when you renewal rolls around.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/2zw7qii1kmwrc0z8xgyhmvwa2n2h8l</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/a517d970-e28d-455e-8b6c-c13074aee8ac/Depositphotos_167939490_S.jpg</image:loc>
      <image:title>Blog - 5 Tips for Beginning Your Home Search - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/42ian903gup7mwacr20z9g15ibf00u</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/c75f6e32-c33d-4fbc-84a8-eaa92c58f2c9/Depositphotos_540101946_S.jpg</image:loc>
      <image:title>Blog - 4 Benefits of Being Pre-approved for a Mortgage - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/8rjec3xjczm1hjagj4lpwqswjfeac2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/94624098-d0ec-4dec-9444-0c61af9235bd/Depositphotos_24418461_S.jpg</image:loc>
      <image:title>Blog - 5 Potential Deal Breakers for Buying a Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/kg2y1hw4b3opctasgocwxzydewd7zu</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-06-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/064ff9d8-8aab-42a9-af67-a102cc2ad56e/Depositphotos_6487066_S.jpg</image:loc>
      <image:title>Blog - How to Get Pre-Approved for a Mortgage - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/0x0tgzqol2f6z4vrcscrjgtkq1ao8w</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/980466e6-6bcf-4301-a098-8e5e60465cde/Depositphotos_355428406_S.jpg</image:loc>
      <image:title>Blog - The Pros &amp;amp; Cons of Buying a House During Springtime - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/qj9060rh63admr2nzddib8m27e0otq</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-04-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/fcd0a02b-cf29-4032-bbc3-033e6ba9a7f4/Depositphotos_4719080_S.jpg</image:loc>
      <image:title>Blog - How to See Hidden Potential When House Shopping - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/your-complete-moving-checklist-timeline</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-03-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/c603c144-d39f-42a3-8335-935e6d9a34fa/Depositphotos_166101592_S.jpg</image:loc>
      <image:title>Blog - Your Complete Moving Checklist &amp;amp; Timeline - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/tips-from-mortgage-broker-edmonton-budget-setting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/19e76a19-33c2-406b-989c-707d65b463df/Depositphotos_122755102_S.jpg</image:loc>
      <image:title>Blog - How to Set a Budget for Buying a Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/real-estate-predictions-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/e6397be2-bdf4-4832-9846-f8fea77557db/Depositphotos_13379173_S.jpg</image:loc>
      <image:title>Blog - Real Estate Predictions for 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/5-tips-moving-in-winter</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/3c188625-7b59-4143-8bda-f529cd4352a5/Depositphotos_59032473_S.jpg</image:loc>
      <image:title>Blog - 5 Tips for Moving in the Winter - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/fixer-upper-vs-move-in-ready</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1635561655778-7SSTUDF88G2NCR3WMA3F/Depositphotos_81429364_S.jpg</image:loc>
      <image:title>Blog - Considerations for Buying a Fixer-Upper vs. Move-In Ready - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/fall-best-time-to-buy-house</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1633663311916-33Z5P01D1P9LERLGJPYX/Depositphotos_13896864_S.jpg</image:loc>
      <image:title>Blog - Why Fall Is the Best Time of Year to Buy a House - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/buyer-in-hot-real-estate-market</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1630002445267-UULZJ5ICIYEPW12UR6Y7/Depositphotos_10307982_s-2019.jpg</image:loc>
      <image:title>Blog - How to Stay Motivated as a Buyer in a Hot Real Estate Market - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/real-estate-trends-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1623949261994-HRCD8QFDB1EXI3ISID61/Depositphotos_144709903_xl-2015-1000.jpg</image:loc>
      <image:title>Blog - Real Estate Trends for 2021 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/3-tips-for-getting-your-offer-accepted-on-a-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-05-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1621529691841-1Y1OW7EUOXVID36IYK63/Depositphotos_11019806_xl-2015-1000.jpg</image:loc>
      <image:title>Blog - 3 Tips for Getting Your Offer Accepted on a Home - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/6-questions-to-ask-if-youre-thinking-about-buying-your-first-home</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-04-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1619450361255-ZO4QJO3T8IBQTRLCFCJT/Depositphotos_210682280_xl-2015-1000.jpg</image:loc>
      <image:title>Blog - 6 Questions to Ask If You’re Thinking About Buying Your First Home</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/faqs-about-mortgage-preapproval</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-04-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1617708864439-8BR7E5Y91XHKB45Q1BBK/Depositphotos_361650770_s-2019.jpg</image:loc>
      <image:title>Blog - FAQs About Mortgage Preapproval</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/what-does-a-mortgage-broker-do</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-03-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1615983879991-3F72UI5O8P7O1E7OKI9R/Depositphotos_115721620_s-2019.jpg</image:loc>
      <image:title>Blog - What Does a Mortgage Broker Do?</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/blog/tag/Preapproval+to+Mortgage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/residential</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-04-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1605638414146-37OWRZZBYXA79HJQJV9O/crystal_sig.jpg</image:loc>
      <image:title>Residential</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-12-05</lastmod>
  </url>
  <url>
    <loc>https://www.flaremortgagegroup.com/team-3</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-09-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1605572047045-JRJAV029IGHWKZMW5YRX/crystal_mamchur.jpg</image:loc>
      <image:title>Our Team3</image:title>
      <image:caption>Crystal Mamchur Broker Owner Ph: 780-887-0230 crystal@flaremortgagegroup.com Creating happy homeowners Since 2003 What inspires me is getting to know people. You, your siblings, parents, kids, friends, co-workers, and networks.  Seeing the happiness that the Flare experience creates for people is why I continue to have an unstoppable desire to ensure that homeowners are comfortable with their mortgage financing. I started our brokerage in Sherwood Park to provide the best possible service for my clients. I’d be glad to introduce you to our team.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1605572110392-2G6CMUB407IMPTB3HR3Y/kim_larson.jpg</image:loc>
      <image:title>Our Team3</image:title>
      <image:caption>Kim Larson Mortgage Broker Ph: 780-984-5725 kim@flaremortgagegroup.com Creating happy homeowners Since 2015 Being a mortgage broker gives me the opportunity to help with one of the biggest purchases you will ever make.  Having a background in client care and customer service, my first goal is to make the experience as smooth and positive as possible.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1605572873483-WI49HUPL78DYCL1HBQUT/kristydelwo.jpg</image:loc>
      <image:title>Our Team3</image:title>
      <image:caption>Kristy Delwo Mortgage Broker Ph: 780-668-4038 kristydelwo@flaremortgagegroup.com Creating happy homeowners Since 2018 My passion for customer service, organization and meeting new people has made this the perfect career for me. My goal is to make the mortgage process run smoothly for you and fit seamlessly into your busy schedule. With the support of an experienced industry team behind me, I will find the very best mortgage solution for you!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1605572905421-0KO4IMK2HVI1U0HSAOIP/kristy_partridge.jpg</image:loc>
      <image:title>Our Team3</image:title>
      <image:caption>Kristy Partridge Mortgage Broker Ph: 780-991-8085 kristy@flaremortgagegroup.com Creating happy homeowners Since 2018 Choosing the right mortgage can make a significant difference in your life. With 15 years experience in the accounting industry, my analytical thinking helps me come up with the right scenario for my clients. I will find the perfect mortgage based on your situation and finances.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1630004494213-QSBHH0WEMMNL0A4ZZNWE/hayley_cross_3.jpg</image:loc>
      <image:title>Our Team3</image:title>
      <image:caption>Hayley Cross Mortgage Broker Ph: 780-965-1360 Hayley@flaremortgagegroup.com Creating happy homeowners Since 2019 My focus is on building a trusting relationship with my clients who are looking to achieve their goal of home ownership. Nothing brings me more joy than happy homeowners!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5fb2cabfb0e3a52f75a1f0c5/1605573018194-GZG51SETDT43ZV2IMGTS/jessica_normandeau.jpg</image:loc>
      <image:title>Our Team3</image:title>
      <image:caption>Jessica Normandeau Mortgage Broker Ph: 780-850-2908 jessica@flaremortgagegroup.com Creating happy homeowners Since 2020 I strongly believe that a satisfied client is a client for life.  I feel that every customer deserves the best care and service when it comes to financing the home of their dreams and my goal is to help you through the process every step of the way.  Happy clients, happy broker!</image:caption>
    </image:image>
    <image:image>
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      <image:caption>Mathew Broom-Hall Mortgage Broker Ph: (825) 440-9880 matt@flaremortgagegroup.com Creating happy homeowners Since 2020 After over 20 years in leadership roles with the world's most customer centric organizations, I am bringing my passion for creating extraordinary customer experiences to your next mortgage. I am dedicated to understanding your individual needs and building a bespoke solution to ensure that you are a happy homeowner!</image:caption>
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      <image:caption>Ola Broda Mortgage Broker Ph: 780-668-8199 ola@flaremortgagegroup.com Creating happy homeowners Since 2021 Empowering you to make an educated decision that benefits you now and in the future is my ultimate goal. By taking the intimidation out of the mortgage process, my approach is to advocate on your behalf and provide you with unbiased advice. Through flexible hours and a high level of customer service, you can rest assured that I will find a solution that exceeds your needs.</image:caption>
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      <image:caption>Get a Mortgage for a New Home or Property. When considering a home mortgage, Sherwood Park and Edmonton area is our focus. We can help you with flexible down payment plans and navigate through various lender options. We'll take you through the home buying steps, costs, and pre-approval process, so you are fully prepared.</image:caption>
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      <image:caption>Renew or Move Your Current Mortgage. Don’t be that homeowner who simply signs the lenders renewal without looking into all the options. Have a mortgage broker discover if we can save you money - and if we can't - we’ll still help you renew with your current lender. We promise to stick with you and be your partner through the entire mortgage renewal process.</image:caption>
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      <image:caption>Refinancing and Using Your Home Equity.  As your mortgage broker we can advise you on how to make the most out of your home equity. Increase cash-flow, debt-consolidation, investing, education funds, vacations &amp; renovations are common uses. We have direct access to industry leading lenders and can advise you on the best course.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Home - Find out which mortgage is right for your family.</image:title>
      <image:caption>Find out which mortgage is right for your family Selecting a mortgage for your home can have lasting impacts. From long-term costs, to impacts on selling or transferring a mortgage with your family, there are many factors that you should know before buying.</image:caption>
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      <image:title>Home - Learn about debt consolidation and refinancing options.</image:title>
      <image:caption>Learn about debt consolidation and refinancing options We can help you with debt consolidation and other financing options. With our financial partners, we can help you put together a long-term plan.</image:caption>
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