<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml">
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us</loc>
  <lastmod>2026-05-21T23:19:37Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40142233775383-Minimum-Initial-Draw</loc>
  <lastmod>2026-04-30T21:08:17Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40142316566679-Debt-to-Income-DTI</loc>
  <lastmod>2026-04-30T21:11:40Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40142369467671-Escrow-Holdback</loc>
  <lastmod>2026-04-30T21:13:44Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40142530472599-Eligible-and-Ineligible-Properties</loc>
  <lastmod>2026-04-30T21:20:40Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40142781092887-Acreage</loc>
  <lastmod>2026-04-30T21:31:06Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40142838800791-Loan-Term</loc>
  <lastmod>2026-04-30T21:33:42Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40143184437015-Assumptions</loc>
  <lastmod>2026-04-30T21:48:32Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40144081851031-Geographic-Eligibility</loc>
  <lastmod>2026-04-30T22:27:16Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40144176875287-Eligible-and-Ineligible-Borrowers</loc>
  <lastmod>2026-04-30T22:31:29Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40144217117975-Non-Occupant-Co-Borrowers</loc>
  <lastmod>2026-04-30T22:33:51Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40144304267287-Identity-Verification</loc>
  <lastmod>2026-04-30T22:40:12Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40144436300439-Texas-Home-Equity</loc>
  <lastmod>2026-04-30T22:45:47Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40144539297431-Maximum-Exposure</loc>
  <lastmod>2026-04-30T22:47:57Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40144590405271-Power-of-Attorney</loc>
  <lastmod>2026-04-30T22:52:02Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40144666178839-High-Cost-Loans</loc>
  <lastmod>2026-04-30T22:55:59Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40144694035863-Ineligible-First-Liens</loc>
  <lastmod>2026-04-30T22:59:46Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40144788689815-Age-of-Credit-Report</loc>
  <lastmod>2026-04-30T23:02:11Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40153300419223-Tradeline-Requirements</loc>
  <lastmod>2026-05-01T12:33:06Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40153467784855-Credit-Scores-Used-for-Underwriting</loc>
  <lastmod>2026-05-01T12:40:52Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40153563675415-Housing-Payment-History</loc>
  <lastmod>2026-05-01T12:47:57Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40153677417623-Consumer-Payment-History</loc>
  <lastmod>2026-05-01T12:53:24Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40153705760791-Significant-Derogatory-Events</loc>
  <lastmod>2026-05-01T12:55:56Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40153773382807-Collections-Charge-Offs</loc>
  <lastmod>2026-05-01T13:00:31Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40153783554967-Judgment-Tax-Liens</loc>
  <lastmod>2026-05-01T12:57:53Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40153922696343-Prequalification-PQ</loc>
  <lastmod>2026-05-01T13:04:54Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40154117051415-Income-Verification-for-Salaried-W2-Borrowers</loc>
  <lastmod>2026-05-01T13:13:37Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40154137148695-Is-there-a-Mobile-App</loc>
  <lastmod>2026-05-01T13:13:47Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40154165248407-Income-Verification-for-Self-Employed-Borrowers</loc>
  <lastmod>2026-05-01T13:15:54Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40154223112727-Minimum-Property-Value</loc>
  <lastmod>2026-05-01T13:19:13Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40154288808983-eNotary-Closings-No-Camera-Available</loc>
  <lastmod>2026-05-01T13:21:07Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40154354454423-Notary-Closing-In-Person-vs-eNotary</loc>
  <lastmod>2026-05-21T19:46:12Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40154817882135-Out-of-Pocket-Expenses</loc>
  <lastmod>2026-05-20T22:13:12Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40154840357399-HELOC-Product-Description</loc>
  <lastmod>2026-05-20T16:23:07Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40154967663767-Expiration-Dates</loc>
  <lastmod>2026-05-01T13:47:08Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40158450240663-Minimum-and-Maximum-HELOC-Amounts</loc>
  <lastmod>2026-05-20T16:25:57Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40158573889431-Use-of-Funds</loc>
  <lastmod>2026-05-01T15:40:27Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40158613889303-Vesting-in-a-LLC</loc>
  <lastmod>2026-05-01T15:41:58Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40158690056471-Pre-Payment-Penalties</loc>
  <lastmod>2026-05-01T15:43:55Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40158722509975-Personal-Information-Security</loc>
  <lastmod>2026-05-01T15:45:32Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40158772196375-Interest-Paid-tax-Questions</loc>
  <lastmod>2026-05-01T15:47:04Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40158815958679-Funding-of-HELOC</loc>
  <lastmod>2026-05-01T15:48:37Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40163599064855-Alimony-Child-Support-Payments</loc>
  <lastmod>2026-05-01T18:32:09Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40163778285207-Revolving-Debt</loc>
  <lastmod>2026-05-01T18:39:21Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40163954065047-Student-Loans</loc>
  <lastmod>2026-05-01T18:47:10Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40163988194199-Litigation</loc>
  <lastmod>2026-05-01T18:48:42Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40164101926807-Debt-Paid-by-Others</loc>
  <lastmod>2026-05-01T18:51:50Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40164998000535-Determining-Collateral-Value</loc>
  <lastmod>2026-05-01T19:24:22Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40165323843095-Transferred-Appraisals</loc>
  <lastmod>2026-05-01T19:36:34Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40165366487959-Appraisal-Requirements</loc>
  <lastmod>2026-05-01T19:38:34Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40165436630039-Recertification-of-Appraisal</loc>
  <lastmod>2026-05-01T19:40:39Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40165478992407-Unacceptable-Appraisal-Practices</loc>
  <lastmod>2026-05-01T19:42:44Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40165489025943-Accessory-Dwelling-Units</loc>
  <lastmod>2026-05-01T19:43:50Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40165537880599-Properties-Listed-for-Sale</loc>
  <lastmod>2026-05-01T19:44:48Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40165545976855-Title-Vesting</loc>
  <lastmod>2026-05-01T19:45:32Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40165550348951-Inter-Vivos-Revocable-Trust</loc>
  <lastmod>2026-05-01T19:46:36Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40165586928279-Title-Insurance</loc>
  <lastmod>2026-05-01T19:47:25Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40165593965207-QC-Clear-to-Close</loc>
  <lastmod>2026-05-01T19:49:16Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40165607126551-Hazard-Insurance</loc>
  <lastmod>2026-05-01T19:48:17Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40165642098711-Closing</loc>
  <lastmod>2026-05-01T19:49:59Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40165650313623-Funding</loc>
  <lastmod>2026-05-01T19:50:49Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40179057396247-Credit-Report-Dispute-Information</loc>
  <lastmod>2026-05-20T01:17:50Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40275690922519-Spanish-Speaking-Notary</loc>
  <lastmod>2026-05-06T16:37:24Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40275718979607-HELOC-Payments-Explained</loc>
  <lastmod>2026-05-07T13:48:17Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40305749683735-Loan-Servicing</loc>
  <lastmod>2026-05-07T17:18:55Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40306364773911-HOI-Verification</loc>
  <lastmod>2026-05-07T17:36:13Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40309574982039-DTI-Income-Verification-Debt-Exclusions</loc>
  <lastmod>2026-05-07T19:15:21Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40312471128599-DTI-Income-Verification-Self-Employed-Income-Verification-Tax-Returns</loc>
  <lastmod>2026-05-07T20:42:45Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40312813191447-DTI-Income-Verification-Self-Employed-Income-Verification-Plaid</loc>
  <lastmod>2026-05-07T20:55:09Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40313157667095-DTI-Income-Verification-W2-Income-Verification-Truework</loc>
  <lastmod>2026-05-07T21:06:27Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40313859773847-DTI-Income-Verification-W2-Income-Verification-Plaid</loc>
  <lastmod>2026-05-07T21:32:32Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40314080017687-DTI-Income-Verification-W2-Income-Verification-TWN-The-Work-Number</loc>
  <lastmod>2026-05-07T21:41:50Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40314351342871-DTI-Income-Verification-Selecting-the-Income-Type</loc>
  <lastmod>2026-05-07T21:52:29Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40314549934231-DTI-Income-Verification-Five-Methods-of-Income-Verification</loc>
  <lastmod>2026-05-07T22:01:31Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40600359859735-Annual-Fee</loc>
  <lastmod>2026-05-20T01:32:26Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40613041798551-Business-Hours</loc>
  <lastmod>2026-05-20T15:44:38Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40653421478935-Lifetime-Rate-Floor-and-Cap</loc>
  <lastmod>2026-05-21T23:05:15Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/articles/40653831575575-Number-of-Borrowers-and-NPEs-Allowed</loc>
  <lastmod>2026-05-21T23:19:37Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/sections/40075992618391-HELOC-Pre-Qualification</loc>
  <lastmod>2026-05-01T18:48:43Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/sections/40076002671127-HELOC-Closing</loc>
  <lastmod>2026-05-21T19:46:12Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/sections/40076005549463-HELOC-General</loc>
  <lastmod>2026-05-21T23:19:37Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/sections/40076023883159-HELOC-In-Progress</loc>
  <lastmod>2026-05-13T21:08:40Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/sections/40076025980183-HELOC-Repayment</loc>
  <lastmod>2026-05-21T23:05:15Z</lastmod>
</url>
<url>
  <loc>https://godirectlenders.zendesk.com/hc/en-us/categories/40075949838999-FAQs</loc>
  <lastmod>2026-05-21T23:19:37Z</lastmod>
</url>
</urlset>
