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		<loc>https://derekwilber.kw.com/blog/part-four-your-first-time-homebuyers-guide</loc>
		<lastmod>2026-05-01T09:09:54-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/part-three-your-first-time-homebuyers-guide</loc>
		<lastmod>2026-05-01T09:09:54-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/part-two-your-first-time-homebuyers-guide</loc>
		<lastmod>2026-05-01T09:09:54-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/part-one-your-first-time-homebuyers-guide</loc>
		<lastmod>2026-05-01T09:09:54-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/buying-or-selling-quick-tips</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/from-renting-to-owning</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/is-your-rent-buying-your-landlords-next-house</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/you-dont-have-to-be-perfect-to-buy-a-home</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/down-payment-myths</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/your-credit-score-doesnt-have-to-be-perfect-to-buy-a-home</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-much-house-can-i-afford-in-the-bay-city-area-based-on-my-income</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/is-it-cheaper-to-rent-or-buy-a-home-in-mid-michigan-right-now</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-credit-score-do-you-need-to-buy-a-home-in-bay-city-michigan</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-long-does-it-take-to-buy-a-home-in-bay-city-michigan</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-do-you-get-pre-approved-for-a-mortgage-in-bay-city-michigan</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-are-the-closing-costs-for-buying-a-home-in-bay-city-michigan</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-can-you-buy-a-home-if-youre-self-employed-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/do-you-need-20-down-to-buy-a-home-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-first-time-homebuyer-programs-are-available-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-is-the-average-home-price-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-types-of-neighborhoods-do-buyers-look-for-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/is-bay-city-saginaw-and-midland-a-good-area-for-first-time-homebuyers</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-should-you-know-about-property-taxes-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-competitive-is-the-housing-market-in-bay-city-saginaw-and-midland-right-now</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/are-bay-city-saginaw-and-midland-good-areas-for-investment-properties</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-to-research-neighborhood-safety-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-schools-can-impact-home-values-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-affects-property-taxes-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-happens-during-a-home-appraisal-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-is-an-earnest-money-deposit-emd-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-happens-between-offer-acceptance-and-closing-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/understanding-contingencies-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-multiple-offer-situations-work-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/pre-approval-vs-pre-qualification-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/understanding-closing-costs-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-to-price-your-home-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-sellers-should-know-about-home-appraisals-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/preparing-your-home-for-professional-photos-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-buyers-notice-in-the-first-10-seconds-of-a-showing-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-to-expect-the-first-week-after-listing-your-home-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-is-title-work-in-a-real-estate-transaction-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-can-delay-a-real-estate-closing-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-interest-rates-impact-your-buying-power-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-is-a-final-walkthrough-and-why-it-matters-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-happens-on-closing-day-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-to-do-right-after-you-close-on-a-home-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/common-first-year-homeowner-mistakes-and-how-to-avoid-them-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-to-build-equity-in-your-home-over-time-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/when-is-the-right-time-to-sell-your-home-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/when-should-you-consider-a-price-adjustment-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-happens-if-you-get-an-offer-below-asking-price-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-makes-an-offer-strong-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-to-handle-inspection-requests-as-a-seller-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-sellers-should-leave-behind-and-what-to-take-with-them-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-is-prorated-at-closing-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-can-delay-closing-day-in-bay-city-saginaw-and-midland</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/should-i-buy-my-first-home-in-2026-or-wait</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-much-money-do-first-time-buyers-actually-need-in-2026</loc>
		<lastmod>2026-04-30T23:29:00-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/why-first-time-buyers-should-not-skip-their-own-research</loc>
		<lastmod>2026-05-29T09:56:55-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-first-time-buyers-wish-they-had-known-before-closing</loc>
		<lastmod>2026-06-01T10:13:49-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/why-waiting-for-the-perfect-home-can-cost-first-time-buyers</loc>
		<lastmod>2026-06-03T13:27:14-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/why-first-time-buyers-should-not-compare-their-journey-to-everyone-elses</loc>
		<lastmod>2026-06-05T10:10:50-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-happens-if-interest-rates-drop-after-you-buy</loc>
		<lastmod>2026-06-08T09:52:44-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/should-first-time-buyers-buy-a-starter-home-or-their-forever-home</loc>
		<lastmod>2026-06-10T13:31:44-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-long-does-it-take-to-buy-a-home-in-2026</loc>
		<lastmod>2026-06-12T10:28:53-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/why-first-time-buyers-should-budget-for-life-after-closing</loc>
		<lastmod>2026-06-15T11:38:36-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-much-house-can-first-time-buyers-actually-afford-in-2026</loc>
		<lastmod>2026-06-17T13:18:59-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-credit-score-do-you-need-to-buy-a-home-in-2026</loc>
		<lastmod>2026-06-19T08:16:07-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/why-renting-isnt-always-cheaper-than-buying-in-2026</loc>
		<lastmod>2026-06-22T12:15:19-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-are-closing-costs-and-why-do-first-time-buyers-need-to-plan-for-them</loc>
		<lastmod>2026-06-24T14:37:56-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/is-mshda-worth-it-in-2026</loc>
		<lastmod>2026-06-26T10:09:08-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/can-i-buy-a-house-if-i-have-student-loans</loc>
		<lastmod>2026-06-29T10:19:40-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/can-i-buy-a-home-with-a-lower-credit-score-in-michigan</loc>
		<lastmod>2026-07-06T09:18:01-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/should-i-fix-my-house-before-selling-it</loc>
		<lastmod>2026-07-08T10:03:31-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-does-the-new-buyer-agent-commission-rule-affect-me-as-a-buyer-or-seller-in-michigan</loc>
		<lastmod>2026-07-10T09:45:08-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/thinking-about-buying-your-first-home-start-here</loc>
		<lastmod>2026-07-13T10:32:59-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/why-i-love-living-in-bay-city-michigan-a-wednesday-summer-evening-at-wenonah-park</loc>
		<lastmod>2026-07-15T11:23:07-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-makes-buyers-fall-in-love-with-a-home</loc>
		<lastmod>2026-07-17T10:30:50-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/has-your-bay-city-home-increased-in-value-more-than-you-realize</loc>
		<lastmod>2026-07-20T10:12:16-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/should-you-find-out-what-your-home-is-worth-even-if-youre-not-selling</loc>
		<lastmod>2026-07-28T14:06:03-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-should-i-expect-during-showings</loc>
		<lastmod>2026-07-24T09:48:51-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-happens-after-my-offer-is-accepted</loc>
		<lastmod>2026-07-27T11:43:57-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/can-i-buy-a-home-if-i-have-credit-card-debt</loc>
		<lastmod>2026-07-29T12:06:13-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/how-do-i-know-if-my-home-is-priced-too-high</loc>
		<lastmod>2026-07-31T09:01:44-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-happens-to-my-earnest-money-if-the-deal-falls-through</loc>
		<lastmod>2026-08-03T10:21:49-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/why-community-events-matter-when-choosing-a-place-to-call-home</loc>
		<lastmod>2026-08-05T10:37:21-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/should-i-accept-the-first-offer-on-my-home</loc>
		<lastmod>2026-08-07T09:41:47-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-is-escrow-in-real-estate</loc>
		<lastmod>2026-08-10T10:21:18-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/why-i-love-living-in-mid-michigan-midland-street-in-bay-city</loc>
		<lastmod>2026-08-12T20:37:43-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/what-should-you-fix-before-selling-your-home</loc>
		<lastmod>2026-08-14T11:12:35-04:00</lastmod>
	</url>
	<url>
		<loc>https://derekwilber.kw.com/blog/a-home-inspection-is-meant-to-educate-not-scare-you</loc>
		<lastmod>2026-08-17T10:59:05-04:00</lastmod>
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