<?xml version='1.0' encoding='UTF-8'?>
<!--  generator="Inspyder Sitemap Creator 5.1.3"  -->
<!-- Last Updated 3/4/2018 7:41:33 PM -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xhtml="http://www.w3.org/1999/xhtml" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd http://www.google.com/schemas/sitemap-mobile/1.0/sitemap-mobile.xsd http://www.google.com/schemas/sitemap-video/1.1/sitemap-video.xsd" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xmlns:mobile="http://www.google.com/schemas/sitemap-mobile/1.0" xmlns:video="http://www.google.com/schemas/sitemap-video/1.1">
<url>
	<loc>https://www.mortgagesmarter.net/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/03/Zillow-Logo-Crop.png</image:loc>
		<image:caption>Zillow</image:caption>
	</image:image>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/02/fatemeh-carter-logo3.jpg</image:loc>
		<image:caption>Mortgage Smarter with Fatemeh Carter | Lake Oswego, OR Logo</image:caption>
	</image:image>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/01/First-Time-Homebuyers.png</image:loc>
		<image:caption>Family of four; first time home buyers</image:caption>
	</image:image>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/01/Veterans.png</image:loc>
		<image:caption>Military couple; armed services veteran</image:caption>
	</image:image>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/01/homepage-millenials.jpg</image:loc>
		<image:caption>Young husband and wife; Millennials</image:caption>
	</image:image>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/01/baby-boomer.png</image:loc>
		<image:caption>Baby Boomer riding bicycle</image:caption>
	</image:image>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/01/FHA.png</image:loc>
		<image:caption>FHA Loan</image:caption>
	</image:image>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/01/VA-Loans.png</image:loc>
		<image:caption>VA Home Loan</image:caption>
	</image:image>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/01/Section-184.png</image:loc>
		<image:caption>Indian home loan guarantee</image:caption>
	</image:image>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/02/homepage-home-ready.jpg</image:loc>
		<image:caption>HOMEReady mortgage</image:caption>
	</image:image>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/01/Chenoa-Fund.png</image:loc>
		<image:caption>Chenoa Fund</image:caption>
	</image:image>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2017/11/apply-now-button-small-150x46.png</image:loc>
		<image:caption>apply-now-button</image:caption>
	</image:image>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/03/Fatemeh-Carter-Social-Banner.jpg</image:loc>
		<image:title>Mortgage Smarter with Fatemeh Carter!</image:title>
	</image:image>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/about/meet-fatemeh/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/02/meet-fatemeh-carter.jpg</image:loc>
		<image:title>Meet Fatemeh Carter | Mortgage Broker | Lake Oswego, OR</image:title>
	</image:image>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/about/testimonials/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/products/chenoa-fund/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<image:image>
		<image:loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/02/Loan-Scenarios-Icon.png</image:loc>
		<image:title>Chenoa Fund - Mortgage Down Payment Assistance | Fatemeh Carter, Mortgage Broker | Lake Oswego, OR</image:title>
	</image:image>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/products/commercial-loans/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/products/fha-loan/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/products/fha-203k/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/products/homeready-mortgage/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/products/jumbo-loans/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/products/section-184-indian-home-loan-guarantee-program/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/products/reverse-mortgages/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/products/usda-loan-program/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/products/va-home-loan/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/baby-boomers/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/first-time-home-buyers/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/millennials/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/mortgage-application-process/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/veterans/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/resources/mortgage-discounts/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/resources/mortgage-process/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/contact/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/blog/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/resources/mortgage-tips/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<video:video>
		<video:thumbnail_loc>https://i.ytimg.com/vi/CZqb2l08WR4/default.jpg</video:thumbnail_loc>
		<video:title>Mortgage Smarter with Fatemeh Carter-Introduction</video:title>
		<video:description>Fun introduction to my series Mortgage Smarter with Fatemeh Carter! Contact me today to see if you qualify for a home loan. Office: 503-748-2430 or email me at fcarter@financeofamerica.com. Apply online: www.foamortgage.com/fcarter</video:description>
		<video:player_loc>http://www.youtube.com/v/CZqb2l08WR4</video:player_loc>
		<video:duration>95</video:duration>
		<video:publication_date>2016-10-31T18:34:37Z</video:publication_date>
		<video:rating>5.0</video:rating>
	</video:video>
	<video:video>
		<video:thumbnail_loc>https://i.ytimg.com/vi/G3yhu49IY8o/default.jpg</video:thumbnail_loc>
		<video:title>Mortgage Smarter with Fatemeh Carter - Don&apos;t avoid speaking to a loan officer!</video:title>
		<video:description>Don&apos;t avoid speaking with a mortgage advisor! We may be able to find ways to help you get into your dream home. Contact me today at 503-748-2430 or email at fcarter@financeofamerica.com. Apply online at www.foamortgage.com/fcarter</video:description>
		<video:player_loc>http://www.youtube.com/v/G3yhu49IY8o</video:player_loc>
		<video:duration>63</video:duration>
		<video:publication_date>2017-03-07T17:28:22Z</video:publication_date>
		<video:rating>5.0</video:rating>
	</video:video>
	<video:video>
		<video:thumbnail_loc>https://i.ytimg.com/vi/1y0kBC-kJgM/default.jpg</video:thumbnail_loc>
		<video:title>Mortgage Smarter with Fatemeh Carter-Difference between Pre-Qualification and Pre-Approval</video:title>
		<video:description>Difference between a pre-qualification and a pre-approval. Contact me today to get you pre-approved. Office: 503-748-2430 or email: fcarter@financeofamerica.com. Apply online www.foamortgage.com/fcarter</video:description>
		<video:player_loc>http://www.youtube.com/v/1y0kBC-kJgM</video:player_loc>
		<video:duration>72</video:duration>
		<video:publication_date>2017-03-07T17:21:25Z</video:publication_date>
		<video:rating>5.0</video:rating>
	</video:video>
	<video:video>
		<video:thumbnail_loc>https://i.ytimg.com/vi/rOi2GgW8mfs/default.jpg</video:thumbnail_loc>
		<video:title>How to get 100% Financing for Mortgage Loan</video:title>
		<video:description>How to get 100% financing. Please note that the NHF Grant is temporarily suspended as of February 15, 2017. You can still ask me about USDA or VA loan, or ask me about our low down payment programs. Contact me at 503-748-2430 or email: fcarter@financeofamerica.com. Apply online: www.foamortgage.com/fcarter</video:description>
		<video:player_loc>http://www.youtube.com/v/rOi2GgW8mfs</video:player_loc>
		<video:duration>99</video:duration>
		<video:publication_date>2017-01-25T19:53:35Z</video:publication_date>
		<video:rating>5.0</video:rating>
	</video:video>
	<video:video>
		<video:thumbnail_loc>https://i.ytimg.com/vi/M34b3xYiSvU/default.jpg</video:thumbnail_loc>
		<video:title>Mortgage Smarter w Fatemeh Carter- Calculating debt-to-income ratio (DTI)</video:title>
		<video:description>How to calculate your debt-to-income ratio. Contact me today to figure out what you qualify for! Office: 503-748-2430 or email: fcarter@financeofamerica.com. Apply online at www.foamortgage.com</video:description>
		<video:player_loc>http://www.youtube.com/v/M34b3xYiSvU</video:player_loc>
		<video:duration>89</video:duration>
		<video:publication_date>2016-10-31T18:18:48Z</video:publication_date>
		<video:rating>5.0</video:rating>
	</video:video>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/products/home-loans/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/indian-home-loan-guarantee/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/top-10-tips-follow-mortgage-application-process/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/long-must-home-buyers-wait-bankruptcy-obtaining-financing/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/about/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/credit-timeline/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/resources/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/top-ten-tips-to-follow-during-your-mortgage-application-porocess/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/products/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/category/bankruptcy/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/category/mortgage-application/</loc>
	<lastmod>2018-03-04</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
<url>
	<loc>https://www.mortgagesmarter.net/wp-content/uploads/2018/02/ebp-approved-companies-may-2017.pdf</loc>
	<lastmod>2018-02-21</lastmod>
	<changefreq>monthly</changefreq>
	<priority>0.5</priority>
	<mobile:mobile/>
</url>
</urlset>
