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		<lastmod>2017-10-23T17:50:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/is-it-all-about-rate/</loc>
		<lastmod>2017-09-19T22:36:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/best-ways-shop-mortgage/</loc>
		<lastmod>2017-07-18T18:32:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/brief-history-interest-rates/</loc>
		<lastmod>2017-07-10T17:32:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/worst-question-ever-whats-best-rate/</loc>
		<lastmod>2017-06-08T22:40:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/lets-properly-calculate-mortgage/</loc>
		<lastmod>2017-05-23T21:41:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/the-rule-of-72/</loc>
		<lastmod>2017-05-10T20:09:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/why-so-many-docs/</loc>
		<lastmod>2017-04-20T18:31:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/myths-about-credit-scores/</loc>
		<lastmod>2017-03-31T16:54:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/but-i-have-a-pre-approval/</loc>
		<lastmod>2017-03-21T19:02:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/why-me/</loc>
		<lastmod>2017-03-13T20:00:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/tax-relief-first-time-buyers/</loc>
		<lastmod>2017-02-28T23:37:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/turning-coal-diamond-purchase-plus-improvements/</loc>
		<lastmod>2017-02-21T20:46:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/shopping-around-mortgage-avoid-6-common-mistakes/</loc>
		<lastmod>2017-02-10T20:05:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/credit-reporting-lenders-see/</loc>
		<lastmod>2017-02-03T23:23:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/10-steps-home-ownership/</loc>
		<lastmod>2017-01-18T00:46:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/bc-home-partnership-program/</loc>
		<lastmod>2017-01-13T20:46:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/mortgage-rules-update-january-2017/</loc>
		<lastmod>2017-01-09T20:00:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/what-is-bridge-financing/</loc>
		<lastmod>2017-01-04T19:30:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/mortgage-life-insurance-explained/</loc>
		<lastmod>2016-10-31T21:46:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/10-questions-first-time-buyers/</loc>
		<lastmod>2016-10-17T21:35:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/tips-paying-off-mortgage-faster/</loc>
		<lastmod>2016-10-03T19:01:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/tips-paying-off-mortgage-faster-2/</loc>
		<lastmod>2016-09-21T19:22:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/understanding-credit-report/</loc>
		<lastmod>2016-09-12T19:33:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/collateral-versus/</loc>
		<lastmod>2016-08-26T19:28:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/tips-keep-mind-mortgage-approval-funding-dates/</loc>
		<lastmod>2016-08-08T22:23:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/revenue-properties/</loc>
		<lastmod>2016-07-20T00:41:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/pre-approvals-valid/</loc>
		<lastmod>2016-06-28T17:12:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/remember-apply-home-owners-grant/</loc>
		<lastmod>2016-06-20T17:28:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/refinancing-pay-off-debt/</loc>
		<lastmod>2016-06-16T17:24:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/what-to-expect-at-closing/</loc>
		<lastmod>2016-04-21T18:35:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/make-mortgage-interest-tax-deductible/</loc>
		<lastmod>2016-04-11T21:07:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/subject-fee-offers/</loc>
		<lastmod>2016-04-11T18:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/want-purchase-home/</loc>
		<lastmod>2016-03-21T19:48:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/using-home-equity-to-your-advantage/</loc>
		<lastmod>2016-03-08T20:16:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/lets-turn-renters-into-home-owners/</loc>
		<lastmod>2016-02-24T21:23:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/what-is-title-insurance/</loc>
		<lastmod>2016-02-10T16:56:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/top-4-reasons-going-variable-can-adventagous/</loc>
		<lastmod>2016-01-25T18:35:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/youre-approved-now-what-top-10-tips-for-a-smooth-closing/</loc>
		<lastmod>2016-01-05T21:19:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/tips-on-getting-ready-to-be-a-first-time-home-buyer/</loc>
		<lastmod>2015-12-08T18:16:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/purchase-plus-improvement-program/</loc>
		<lastmod>2015-12-03T00:32:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/mortgage-lending-101-with-elizabeth-banks/</loc>
		<lastmod>2015-11-19T22:28:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/federal-rrsp-first-time-home-buyers-program/</loc>
		<lastmod>2015-11-19T20:45:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/do-you-know-what-you-can-afford-to-buy/</loc>
		<lastmod>2015-10-28T20:23:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/whats-the-differance/</loc>
		<lastmod>2022-11-03T22:44:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/election-affecting-your-tfsa-contribution/</loc>
		<lastmod>2015-10-13T22:10:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/whats-the-optimal-amortization-rate/</loc>
		<lastmod>2015-09-30T19:09:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/whats-a-gifted-down-payment/</loc>
		<lastmod>2015-09-02T00:14:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/power-move-for-rental-property-financing/</loc>
		<lastmod>2015-08-19T17:06:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/canadians-fearing-the-worst-will-we-be-like-the-us/</loc>
		<lastmod>2015-08-04T17:10:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/budgeting-towards-homeownership/</loc>
		<lastmod>2015-07-28T21:04:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/top-10-questions-to-speak-with-your-home-inspector-about/</loc>
		<lastmod>2015-07-06T18:23:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/start-the-car-start-the-car/</loc>
		<lastmod>2015-06-10T22:04:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/mpp-is-it-for-me/</loc>
		<lastmod>2015-05-13T19:38:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/lets-prepare-you-for-a-mortgage/</loc>
		<lastmod>2015-05-04T18:06:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/watch-out-for-collateral-charges/</loc>
		<lastmod>2015-04-27T19:42:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/first-time-home-buyers-eyes/</loc>
		<lastmod>2015-03-03T17:35:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/buying-condo-heres-guide-success/</loc>
		<lastmod>2015-02-23T17:37:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/5-key-steps-buying-home/</loc>
		<lastmod>2015-02-18T18:00:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/top-5-mortgage-tips-first-time-home-buyers/</loc>
		<lastmod>2015-02-12T18:16:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/variable-vs-fixed-2015-edition/</loc>
		<lastmod>2015-01-27T18:41:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/bank-canada-lowers-rate/</loc>
		<lastmod>2015-01-21T17:20:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/bc-homeowners-update-2015/</loc>
		<lastmod>2015-01-06T18:03:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/variable-rate-mortgage-update-december-2014/</loc>
		<lastmod>2014-12-05T17:15:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/considered-opting-5050-mortgage/</loc>
		<lastmod>2014-10-16T16:55:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/considered-refinancing-pay-debt/</loc>
		<lastmod>2014-09-29T19:58:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/use-mortgage-professional/</loc>
		<lastmod>2014-09-23T22:59:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/rate/</loc>
		<lastmod>2014-09-09T15:08:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/choosing-mortgage-amortization/</loc>
		<lastmod>2014-07-28T17:50:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/transition-renter-home-owner/</loc>
		<lastmod>2014-07-16T17:24:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/getting-mortgage-pre-approval/</loc>
		<lastmod>2014-06-24T15:42:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/10-commonly-asked-mortgage-questions/</loc>
		<lastmod>2014-03-24T16:59:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://patchingmortgageservices.ca/use-broker-vs-bank/</loc>
		<lastmod>2013-11-29T01:37:43+00:00</lastmod>
	</url>
</urlset>
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