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      <image:title>Blog - A petite paradise - St. Clair Shores couple transforms small yard into a spectacle of blooms</image:title>
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      <image:title>Blog - A petite paradise - St. Clair Shores couple transforms small yard into a spectacle of blooms</image:title>
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      <image:title>Blog - A petite paradise - St. Clair Shores couple transforms small yard into a spectacle of blooms</image:title>
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      <image:title>Blog - A petite paradise - St. Clair Shores couple transforms small yard into a spectacle of blooms</image:title>
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      <image:title>Blog - A petite paradise - St. Clair Shores couple transforms small yard into a spectacle of blooms</image:title>
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      <image:title>Blog - A petite paradise - St. Clair Shores couple transforms small yard into a spectacle of blooms</image:title>
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    <loc>https://www.irismortgage.com/blog/the-dad-guide-to-the-detroit-red-wings-2024-2025-4ghly</loc>
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    <lastmod>2024-10-10</lastmod>
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      <image:title>Blog - The Dad Guide to the Detroit Red Wings 2024-2025 Season - Photo opportunity at Little Caesar’s Arena with the winged wheel.</image:title>
      <image:caption>The new table on loan to value ratios on multi unit properties illustrates the change to 5% down on 2-4 unit properties as a primary residence.</image:caption>
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      <image:title>Blog - The Dad Guide to the Detroit Red Wings 2024-2025 Season - Make it stand out</image:title>
      <image:caption>Detroit Red Wings stars captained by Dylan Larkin, ready for 2024-2025 campaign courtesy of @DetroitRedWings on X</image:caption>
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      <image:title>Blog - The Dad Guide to the Detroit Red Wings 2024-2025 Season - Make it stand out</image:title>
      <image:caption>Detroit Red Wings Little Caesars Arena and Surrounding Area.</image:caption>
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      <image:title>Blog - The Dad Guide to the Detroit Red Wings 2024-2025 Season - 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>
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      <image:title>Blog - The Dad Guide to the Detroit Red Wings 2024-2025 Season - Make it stand out</image:title>
      <image:caption>Chris Thomas Mortgage Loan Originator 313-655-2423 chris@irismortgage.com Individual NMLS# 1526088 Company NMLS# 2084716 BOOK A CALL WITH ME APPLY FOR A MORTGAGE HERE</image:caption>
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    <lastmod>2024-03-20</lastmod>
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      <image:title>Blog - Unlocking 2024 Tax Advantages: The Ultimate Guide to Maximizing Contributions for Your Home &amp;amp; Financial Goals - Make it stand out</image:title>
      <image:caption>For 2024, there have been several adjustments to contribution limits across various financial  instruments, including retirement accounts, investment accounts, and more. Understanding these  changes will be vital in making informed decisions about your financial goals and investment  strategies. Image Courtesy of Bowline Financial LLC 248-996-8456 | www.bowlinefinancial.com</image:caption>
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      <image:title>Blog - Unlocking 2024 Tax Advantages: The Ultimate Guide to Maximizing Contributions for Your Home &amp;amp; Financial Goals - Make it stand out</image:title>
      <image:caption>A visual representation of 401k and IRA limits from Personal Finance Club.</image:caption>
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    <loc>https://www.irismortgage.com/blog/lookup-mg4zy-5z7y4</loc>
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    <lastmod>2024-03-20</lastmod>
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      <image:title>Blog - Unlocking Education Savings with the 529 Plan: A Guide for Michigan Families - Make it stand out</image:title>
      <image:caption>For 2024, there have been several adjustments to contribution limits across various financial  instruments, including retirement accounts, investment accounts, and more. Understanding these  changes will be vital in making informed decisions about your financial goals and investment  strategies. Image Courtesy of Bowline Financial LLC 248-996-8456 | www.bowlinefinancial.com</image:caption>
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      <image:title>Blog - Unlocking Education Savings with the 529 Plan: A Guide for Michigan Families - Make it stand out</image:title>
      <image:caption>One of the benefits of a 529 Plan is the tax-free earnings that grow over a period of time. So, you should consider saving early, taking into account your financial situation and other goals. The longer money is invested the more opportunity it has to grow and the greater the potential tax benefit.  For illustrative purposes. Data provided by Fidelity Investements.</image:caption>
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    <loc>https://www.irismortgage.com/blog/lookup</loc>
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    <lastmod>2024-03-12</lastmod>
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      <image:title>Blog - Ensuring Confidence: How to Research Your Mortgage Loan Officer BEFORE You Apply - Make it stand out</image:title>
      <image:caption>Through NMLSconsumeraccess.org you can look up your company or individual by name or licensing number. You can find self reported employment history and experience, state licensing, and any regulatory actions. This example includes Iris Mortgage's Chris Thomas NMLS #1526088.</image:caption>
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      <image:title>Blog - Ensuring Confidence: How to Research Your Mortgage Loan Officer BEFORE You Apply</image:title>
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      <image:title>Blog - Ensuring Confidence: How to Research Your Mortgage Loan Officer BEFORE You Apply</image:title>
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    <lastmod>2024-03-10</lastmod>
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    <loc>https://www.irismortgage.com/blog/401kdownpayment</loc>
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    <lastmod>2024-03-09</lastmod>
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    <loc>https://www.irismortgage.com/blog/champagneclassic3</loc>
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    <lastmod>2024-02-28</lastmod>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit. - Make it stand out</image:title>
      <image:caption>Photos courtesy of Troy Anderson @andytroyerson and Dan Mannes @danmannes and team.</image:caption>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit. - Make it stand out</image:title>
      <image:caption>Frank Sorise #19 (Champagne) and John Herbert #92 (Bowline) kick off the night with a ceremonial puck drop. Photos courtesy of Troy Anderson @andytroyerson and Dan Mannes @danmannes and team.</image:caption>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit. - Make it stand out</image:title>
      <image:caption>Troy Anderson (Iron Fish #29) seals the short side of the net as Andrew McManamon awaits a centering pass from the corner. Photos courtesy of Troy Anderson @andytroyerson and Dan Mannes @danmannes and team.</image:caption>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit. - Make it stand out</image:title>
      <image:caption>The Iris Mortgage team gathers for a photo before leaving Clark Park as champions for the day. (Top Row) Zach Schrode, Zak Thompson, Scott Cooley, Dan Mannes, Danny Bailey, Andrew McManamon and Scott Dornbrock. (Bottom Row) Katherine Thomas, Chris Thomas, David Clem, Connor Schmidt, Alex “Frank” Piku, Dan Milan, Paul Thomas. (Horizontal) Mark Pangrazzi. Photos courtesy of Troy Anderson @andytroyerson and Dan Mannes @danmannes and team.</image:caption>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit. - Make it stand out</image:title>
      <image:caption>Iris Mortgage team members Zach Schrode #77, Katherine Thomas (owner) #86 Chris Thomas #11 savor a moment with the trophy, concluding the third Champagne Showcase.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/3a939ba6-754b-4bc0-8209-fe67716c3cd3/money+mark.jpg</image:loc>
      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit. - Make it stand out</image:title>
      <image:caption>Mark Pangrazzi #20 (Iris) was named the most valuable player for keeping a clean sheet with no goals allowed through two games.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1708977964364-XPMIMN9JDGWQJIKMQI5T/iron%2Bfish.jpg</image:loc>
      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1708977942487-HAAI5MKR5FF0MYMMTFL2/Bowline+Champagne.jpg</image:loc>
      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1708977936493-S3WJEEP1409FBW7AJ0R8/Iris.jpg</image:loc>
      <image:title>Blog - Third Annual Champagne Showcase Benefits Clark Park Coalition, Detroit.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.irismortgage.com/blog/taxprorations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-03-05</lastmod>
  </url>
  <url>
    <loc>https://www.irismortgage.com/blog/metesandbounds</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-14</lastmod>
  </url>
  <url>
    <loc>https://www.irismortgage.com/blog/win-an-offer-and-lower-your-payment-after-closing-with-recasting</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/c1212b10-8d29-41ab-a560-493f842433db/original+terms.png</image:loc>
      <image:title>Blog - How To Win an Offer and Reduce Your Payment After Closing Using the Power of Recasting - Make it stand out</image:title>
      <image:caption>BEFORE The Original terms were a $625,000 purchase price with a $593,750 starting loan amount over 30 years at a 6.37% / 6.629% APR with a principal and interest payment of $3,702.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/752f2559-7ab2-48db-86b4-9621ad9b11b3/recast+terms.png</image:loc>
      <image:title>Blog - How To Win an Offer and Reduce Your Payment After Closing Using the Power of Recasting - AFTER The client applied $250,000 to their balance and re-casted the mortgage. After applying $250,000 from selling Royal Oak and recasting the mortgage using a $343,750 loan amount over 30 years at the same rate, the monthly principal and interest payment was reduced to $2,143. That lowered their payment by $1,559.</image:title>
      <image:caption>The new table on loan to value ratios on multi unit properties illustrates the change to 5% down on 2-4 unit properties as a primary residence.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/d498d349-3b0a-4a83-83cf-69c7813ef4a4/RECAT+REFINANCE_5.png</image:loc>
      <image:title>Blog - How To Win an Offer and Reduce Your Payment After Closing Using the Power of Recasting - Make it stand out</image:title>
      <image:caption>As posted on Iris Mortgage Instagram.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/e26d9010-062b-4ffe-852f-cc9ce3dac07d/RECAT+REFINANCE_0.png</image:loc>
      <image:title>Blog - How To Win an Offer and Reduce Your Payment After Closing Using the Power of Recasting - Make it stand out</image:title>
      <image:caption>Re-CASTING. Get it?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/19e7f022-b1af-4ed8-82e0-d3d76fe9f3a0/IRIS+HEAD+SHOTS_4.png</image:loc>
      <image:title>Blog - How To Win an Offer and Reduce Your Payment After Closing Using the Power of Recasting - Make it stand out</image:title>
      <image:caption>Chris Thomas Mortgage Loan Originator 313-655-2423 chris@irismortgage.com Individual NMLS# 1526088 Company NMLS# 2084716 BOOK A CALL WITH ME APPLY FOR A MORTGAGE HERE</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.irismortgage.com/blog/the-dad-guide-to-the-detroit-red-wings-2023-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/227ebff9-e886-43f1-b701-dce9679bc11f/chris+katherine+thomas+detroit+red+wings+lgrw</image:loc>
      <image:title>Blog - The Dad Guide to the Detroit Red Wings 2023-2024 Season - Photo opportunity at Little Caesar’s Arena. Child, Chris, and Katherine Thomas (owner of Iris Mortgage LLC)</image:title>
      <image:caption>The new table on loan to value ratios on multi unit properties illustrates the change to 5% down on 2-4 unit properties as a primary residence.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/11f7ff2d-53bd-41b5-af64-bf2747873585/detroit-red-wings-travel-packages.jpg</image:loc>
      <image:title>Blog - The Dad Guide to the Detroit Red Wings 2023-2024 Season - Make it stand out</image:title>
      <image:caption>Random pic for interest and to display the second best arena for the Red Wings, RIP Joe Louis Arena.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/92e9d11f-6914-4662-aee6-5ef0a289b5d3/detroit+red+wings+little+caesars+arena+map.png</image:loc>
      <image:title>Blog - The Dad Guide to the Detroit Red Wings 2023-2024 Season - Make it stand out</image:title>
      <image:caption>Detroit Red Wings Little Caesars Arena and Surrounding Area.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/19e7f022-b1af-4ed8-82e0-d3d76fe9f3a0/IRIS+HEAD+SHOTS_4.png</image:loc>
      <image:title>Blog - The Dad Guide to the Detroit Red Wings 2023-2024 Season - Make it stand out</image:title>
      <image:caption>Chris Thomas Mortgage Loan Originator 313-655-2423 chris@irismortgage.com Individual NMLS# 1526088 Company NMLS# 2084716 BOOK A CALL WITH ME APPLY FOR A MORTGAGE HERE</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.irismortgage.com/blog/fannie-mae-releases-5-down-2-4-unit-purchase-program</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/8f1a21cd-f0a8-49c4-a227-53c2fb481c34/fnma+new.jpg</image:loc>
      <image:title>Blog - BREAKING NEWS: FANNIE MAE RELEASES 5% DOWN, 2-4 UNIT PURCHASE PROGRAM - The new table on loan to value ratios on multi unit properties illustrates the change to 5% down on 2-4 unit properties as a primary residence.</image:title>
      <image:caption>The new table on loan to value ratios on multi unit properties illustrates the change to 5% down on 2-4 unit properties as a primary residence.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/a2eced01-68e1-409c-a5a8-8dfd055b4c05/2+unit+property+located+at1322-1324+Wayburn+Ave</image:loc>
      <image:title>Blog - BREAKING NEWS: FANNIE MAE RELEASES 5% DOWN, 2-4 UNIT PURCHASE PROGRAM - Make it stand out</image:title>
      <image:caption>Example 2 unit property located at1322-1324 Wayburn Ave, Grosse Pointe, MI 48230, listed for sale by Jacob Davis 313-886-9030, Jim Saros Real Estate Services.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/672cf295-be69-4d6b-b5e5-5fec42856046/1251+wayburn.png</image:loc>
      <image:title>Blog - BREAKING NEWS: FANNIE MAE RELEASES 5% DOWN, 2-4 UNIT PURCHASE PROGRAM - Make it stand out</image:title>
      <image:caption>Example 2 unit property located at 1251 Wayburn St, Grosse Pointe Park, MI 48230, listed for sale by Paula Draper 313-310-0211, Higbie Maxon Agney Inc 313-886-3400.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/19e7f022-b1af-4ed8-82e0-d3d76fe9f3a0/IRIS+HEAD+SHOTS_4.png</image:loc>
      <image:title>Blog - BREAKING NEWS: FANNIE MAE RELEASES 5% DOWN, 2-4 UNIT PURCHASE PROGRAM - 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.irismortgage.com/blog/buying-home-in-michigan-new-construction</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-10-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/aa81f903-4e0e-49d2-b3fe-d3472489be75/IMG_5683.jpeg</image:loc>
      <image:title>Blog - 5 Tips for Buying a New(er) Construction Home in Michigan - Make it stand out</image:title>
      <image:caption>A home on Water Ridge Street, Byron Center, Michigan secured for buyers by Iris Mortgage. Buyers represented by Kyle Kimble of REMAX</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/09eee365-3ab1-4326-b023-a3c1c2ba69d5/New-construction-Byron-center-Michigan</image:loc>
      <image:title>Blog - 5 Tips for Buying a New(er) Construction Home in Michigan - Make it stand out</image:title>
      <image:caption>A home on Water Ridge Street, Byron Center, Michigan secured for buyers by Iris Mortgage. Buyers represented by Kyle Kimble of REMAX.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/d74a1cfa-29ae-4ea2-93f0-75aae2da8289/IMG_5686.jpeg</image:loc>
      <image:title>Blog - 5 Tips for Buying a New(er) Construction Home in Michigan - Make it stand out</image:title>
      <image:caption>A home on Water Ridge Street, Byron Center, Michigan secured for buyers by Iris Mortgage. Buyers represented by Kyle Kimble of REMAX and listed by Arija Wilcox of Keller Williams Grand Rapids North.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/19e7f022-b1af-4ed8-82e0-d3d76fe9f3a0/IRIS+HEAD+SHOTS_4.png</image:loc>
      <image:title>Blog - 5 Tips for Buying a New(er) Construction Home in Michigan - 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.irismortgage.com/blog/watchout-for-this-when-buying-a-historic-home-in-michigan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/4d14822a-891c-49cd-8d3e-40f8a9679f3b/Iroquois-St-Detroit-MI-48214-Indian-Village-3438</image:loc>
      <image:title>Blog - Watchout for This When Buying a Historic Home in Michigan - Make it stand out</image:title>
      <image:caption>A home on Iroquois Street in Indian Village, Detroit secured for buyers by Iris Mortgage. Buyers represented by Nika Jusufi at Nika &amp; Co</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/96c3ebfa-5c5d-4496-b7db-8d5d5ce474f2/Iroquois-St-Detroit-MI-48214-Indian-Village-3060</image:loc>
      <image:title>Blog - Watchout for This When Buying a Historic Home in Michigan - Make it stand out</image:title>
      <image:caption>A home on Iroquois Street in Indian Village, Detroit secured for buyers by Iris Mortgage. Buyers Represented by Ashley Jolley of Century 21 Curran &amp; Oberski.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/01db2eeb-d5ae-4f12-bcab-a484e5f5dcd0/historic-detroit.png</image:loc>
      <image:title>Blog - Watchout for This When Buying a Historic Home in Michigan - 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/v1/61142d5ddb962740a7813d54/19e7f022-b1af-4ed8-82e0-d3d76fe9f3a0/IRIS+HEAD+SHOTS_4.png</image:loc>
      <image:title>Blog - Watchout for This When Buying a Historic Home in Michigan - 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.irismortgage.com/blog/champagneclassic2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-09-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1678225723386-RQ4Q3I670DMZZ90AYA8V/743A8304.jpg</image:loc>
      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1678225731388-11OL6WKZLV6JQ4F4CMGD/743A8559.jpg</image:loc>
      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1678225734956-ILU2ULAVO9IGXW97RKG3/743A8609.jpg</image:loc>
      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
    </image:image>
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      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
    </image:image>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1678225739656-HD13HRGW2S8ZTFWH1OBY/743A8762.jpg</image:loc>
      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
    </image:image>
    <image:image>
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      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1678238219788-LNBTQ699HA3NEJ76S2U8/ladies.jpg</image:loc>
      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1678238313342-9YSUBJLZP7M6ILME8QYG/743A8630.jpg</image:loc>
      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/6fe21170-3228-4a25-896d-0a9abc98ffd2/743A8338.jpg</image:loc>
      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit. - Make it stand out</image:title>
      <image:caption>Master of ceremonies and Chief Fun Officer Zach Schrode #77 (Iris Mortgage) entertains the crowd. Photos courtesy of Scot Ferguson @scotferguson.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/e1c8ae87-d7ec-487b-8b5e-80236d9a17a9/743A8504.jpg</image:loc>
      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit. - Make it stand out</image:title>
      <image:caption>Connor Schmidt #74 (Iris) celebrates after sealing the first game with an empty net goal in less than ideal conditions. Photos above and below courtesy of Scot Ferguson @scotferguson.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit. - Make it stand out</image:title>
      <image:caption>Billy Coole (Bowline #7) catches a break out pass through the neutral zone against EXO Freight. Photo courtesy of Scot Ferguson @scotferguson above. Photos below courtesy of Aaron Mucciante.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1678288154561-E800YTWV6FMWWNHSNAR6/6AD4886F-4B78-485C-9EA7-3C5F79555200.jpeg</image:loc>
      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
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    <image:image>
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      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit.</image:title>
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      <image:title>Blog - Iris Mortgage Thaws Out Competition in Second Champagne Showcase Benefiting Clark Park Coalition, Detroit. - Make it stand out</image:title>
      <image:caption>The Iris Mortgage team gathers for a photo before leaving Clark Park as champions for the day. (Top Row) Zach Schrode, Scott Dornbrock, Zak Thompson, Alex “Frank” Piku, David Clem, Danny Bailey, Scott Cooley, Ted Waddell, Art Griem, Connor Schmidt. (Bottom Row) Mark Pangrazzi, Paul Thomas, Chris Thomas, Brady Baetens, Dan Milan, Cam Gibson. Photos below courtesy of Scot Ferguson @scotferguson.</image:caption>
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      <image:caption>Frank Sorise, event organizer, team captain #19 (Champagne), thanks the attendees and presents the trophy to Iris Mortgage team captain Chris Thomas #11 and son Nolan #86, concluding the second Champagne Showcase.</image:caption>
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      <image:caption>Mark Pangrazzi #20 (Iris) was named the most valuable player for allowing only one goal in two games. Photo courtesy of Aaron Mucciante.</image:caption>
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      <image:caption>Team leaders and event organizers Dylan Welke (EXO Freight), Frank Sorise (Champagne Athletics), Chris Thomas (Iris Mortgage), John Herbert (Bowline Financial), and Zach Schrode (Iris Mortgage) donning their sweaters made by Mens League Sweaters in St John’s Michigan. Photo courtesy of Aaron Mucciante.</image:caption>
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    <lastmod>2022-05-11</lastmod>
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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:caption>Detroit Condo Search Results</image:caption>
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      <image:title>Blog - How To Find Out If Your Condo Is VA Approved in Michigan. - 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>
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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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    <loc>https://www.irismortgage.com/blog/champagneclassic</loc>
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    <lastmod>2022-05-11</lastmod>
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      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap.</image:title>
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      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap.</image:title>
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      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap.</image:title>
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      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap.</image:title>
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      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap. - Make it stand out</image:title>
      <image:caption>Fans keep warm with multiple bonfires, coffee, hot chocolate, and s’mores provided by Zach Schrode #77 (Iris Mortgage).</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/be6631b8-1306-4b1e-9eb9-2550507dcffa/faceoff.JPG</image:loc>
      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap. - Make it stand out</image:title>
      <image:caption>John Herbert #92 (Bowline), Billy Daudlin (official), and Chris Thomas #11 (Iris) meet at center ice to start the event.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/46c81f7b-7ee4-4efb-8315-0eef25c0fa6f/Gatty.JPG</image:loc>
      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap. - Make it stand out</image:title>
      <image:caption>Brian Gatliff #6 and Nick Cinq #10 (Bowline) celebrate the first goal as disgruntled Matt Rajt #21 and David Clem #7 (Iris) look on.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/ebdbec5f-99be-4888-833e-b7cad4bd44e3/second+period.jpg</image:loc>
      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap. - Make it stand out</image:title>
      <image:caption>Iron Fish Distillery starts the second period with a two goal advantage over Champagne Athletics.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/d0a755e3-0b02-46af-a7a7-1b583cd76faf/frank+and+troy.jpg</image:loc>
      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap. - Make it stand out</image:title>
      <image:caption>Frank Sorise #19 (Champagne Athletics) and Troy Anderson #29 (Iron Fish Distillery) shake hands after a well played game.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap.</image:title>
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      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap.</image:title>
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      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap.</image:title>
    </image:image>
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      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1646079878939-FCLEPRB6P3KFS0W17TUK/IMG_0079.JPG</image:loc>
      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1646079881100-QXAXIT4U1ZK2WZ24IN35/IMG_8003.jpeg</image:loc>
      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/304f3bbe-b454-4774-bc5a-91feda097530/Champs.JPG</image:loc>
      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap. - Make it stand out</image:title>
      <image:caption>Bowline Financial all smiles as they are crowned champions of Clark Park for the day.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1b36a672-e5cc-462e-8912-3cff761e2484/rosey+2.jpg</image:loc>
      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap. - Make it stand out</image:title>
      <image:caption>Alex Roseneau #72 (Iris), President of CrossFire Group presents the CrossFire Cup to Bowline Financial team captain John Herbert #92, concluding the inaugural Champagne Showcase champion.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/ad8be3db-9e90-47ea-abf3-973e76e09adb/Champagne_Showcase-27.jpg</image:loc>
      <image:title>Blog - Iris Mortgage Stunned in Overtime at Inaugural Champagne Showcase Benefitting Clark Park Coalition, Detroit. Full Recap. - Make it stand out</image:title>
      <image:caption>Jeff Ryan #33 (Bowline) earned tournament “Key Player” award presented by REALTORS Kaitlyn Pangrazzi and Grace Mulcahy of @properties to the most valuable player.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.irismortgage.com/blog/new-loan-limits-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-11-30</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1d1406ff-4334-41e4-8541-bbfa81e6d18c/baseline.JPG</image:loc>
      <image:title>Blog - Fannie Mae Announces New County Loan Limits for 2022 - Make it stand out</image:title>
      <image:caption>Source: https://singlefamily.fanniemae.com/originating-underwriting/loan-limits</image:caption>
    </image:image>
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      <image:title>Blog - Fannie Mae Announces New County Loan Limits 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>
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      <image:title>Blog - Fannie Mae Announces New County Loan Limits 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>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/360e51f1-76bc-43d8-961a-884b51aeba30/Civil+Engineering+Company_2.jpg</image:loc>
      <image:title>Blog - Fannie Mae Announces New County Loan Limits 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>
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      <image:title>Purchase - Do I Qualify?</image:title>
      <image:caption>To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis..</image:caption>
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      <image:title>Purchase</image:title>
      <image:caption>Mortgage Home Purchase Loans without the Hassle! Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn’t have to be stressful! We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with a pre-approval letter request. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you, whether you’re a first-time home buyer or a repeat buyer. The Home Purchase Loan Process Here’s how our home purchase loan process works: Complete our simple mortgage pre-approval letter request Receive options based on your unique criteria and scenario Compare mortgage interest rates and terms Choose the offer that best fits your needs Options Fixed-Rate Mortgage Adjustable-Rates Mortgage (ARM) Conforming Loans Jumbo &amp; Super Jumbo Loans FHA, VA &amp; USDA Loans Terms from 5 to 30 Years</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1589847890165-I7LPX06YA44DBGGFPSGA/image-asset.jpeg</image:loc>
      <image:title>Apply Online - Documentation Needed for All Borrowers Includes:</image:title>
      <image:caption>Social Security Number Contact &amp; Employment Information Best Estimates of Income, Assets, &amp; Liabilities</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1589847889324-DFHCXJY7BA7YLNZ26RDC/image-asset.jpeg</image:loc>
      <image:title>Apply Online</image:title>
      <image:caption>Click Apply Now to begin your loan application. As you complete the application, please use your best estimate if documentation is not available. After you have finished we will contact you to: Guide you through the loan process Complete your loan application package Help you select the best program and interest rate Terms from 5 to 30 Years</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.irismortgage.com/jumbo-loans</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1629383129571-MO6L813GLSZNNSLFS413/fam+2.jpg</image:loc>
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    </image:image>
  </url>
  <url>
    <loc>https://www.irismortgage.com/adjustable-rate-mortgage-arm-loans</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-11</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1629383217942-WZUQ5YGRSAEEXJHOV2CR/cozy.jpg</image:loc>
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    </image:image>
  </url>
  <url>
    <loc>https://www.irismortgage.com/about-zachary-schrode</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-05-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/ff95e1c0-5068-47b6-8682-033285d70e97/7D5B4476.jpg</image:loc>
      <image:title>About Zachary Schrode - Why I Love My Job.</image:title>
      <image:caption>I am a people person. I have always been great at building relationships - whether in business or friendships. The mortgage industry allows me a platform to connect with all types of people who I am thankful to work with every day. I feel like after I work with a client or real estate agent I always make a new friend or two along the way. Aside from building relationships, I love the problem solving aspects of the mortgage industry and finding my clients the best possible terms for their circumstances - which are always unique. Personal finance is NEVER a one-size fits all solution and as a mortgage broker I can shop several different lenders and products for my clients to find the perfect fit. That is why I love what I do!</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/df00844b-7662-48a2-a870-6f389c0d5675/7D5B4462.jpg</image:loc>
      <image:title>About Zachary Schrode</image:title>
      <image:caption>About me. I grew up in Grosse Pointe, Michigan. I studied at Western Michigan University - Row the Boat! I am the proud “fun” uncle of one niece and one nephew who I love to spend time with on the weekends along with my extended family and friends. How I fell into mortgages. I worked at PNC bank throughout college which exposed me to the finance industry and I quickly landed my first post-graduate job with Quicken Loans (now Rocket Mortgage) in Detroit for two years. I noticed a momentum shift in the mortgage industry from the “retail” channel to the “broker” channel and joined United Wholesale Mortgage as an account executive for four years. I am grateful for both of these opportunities which have lead me to work with Katherine at Iris Mortgage LLC as a loan officer again! This time it is different, I truly feel like I am making a difference because I am more connected to the clients I serve and know that I am connecting them with best deal possible through this channel. Why I do what I do. I have been in the mortgage industry for a long time, I believe all of my experiences have molded me into the professional I am today. I love learning about new products and ways to serve my clients. I think Iris Mortgage and the broker platform is the perfect way for me to best serve my clients and give them a high level product and experience they will remember!</image:caption>
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  </url>
  <url>
    <loc>https://www.irismortgage.com/about-christopher-thomas</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-12-04</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/32e87bb6-fc10-4c10-81eb-a8124fb4e7c2/iris-mortgage-melissa-douglas-co-michigan-brand-photographer-03827.jpg</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/544f58b8-aab4-4f02-a704-e72bff83db5f/chris.jpg</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/03d5e492-4219-4d62-acc9-1207e9b6c786/tires.png</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/0207947b-ccca-4fac-b5b1-3f7282879a90/VettedVAwebsite.jpg</image:loc>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/4840bef2-873e-4f55-a3fd-5db88fe0600d/Hour+Detroit.png</image:loc>
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  </url>
  <url>
    <loc>https://www.irismortgage.com/about-katherine-thomas</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-01-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1629214782764-AA7VF4MFYYLPSRNIQS72/kat+and+nolan.JPG</image:loc>
      <image:title>About Katherine Thomas - Why I Love My Job.</image:title>
      <image:caption>I love working with my clients from initial phone call to closing - and even beyond! I like to understand my clients short and long term goals and find the best product for them to achieve financial wellness and leverage their debt effectively. This is important, because I don’t want my clients feeling like they can’t get a hold of me or feel like just another number. The best part about this job is that my service is great, but my rates are low too because I have removed sales managers, CEOs, telemarketers, processors, marketing, human resources, and other costly overhead from my company, which the client pays for at the end of the day. Instead of keeping that overhead to myself, I decide to run a more efficient model to keep cost low for everybody!</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/986cf11d-56ce-448d-b78f-2ab589423a6d/kat.jpg</image:loc>
      <image:title>About Katherine Thomas</image:title>
      <image:caption>About me. I grew up in Sterling Heights, Michigan surrounded by my large family and Chaldean community. I am closest with my sister Shanel and parents Johnny and Holly. My sister and I are the first family members born in the United States. I married my husband Christopher in October of 2018 and we have chosen to work together as a team. We recently welcomed our son Nolan to the world in August of 2020. Life has been a great adventure so far! How I fell into mortgages. I have worked since I was a teenager at Somerset mall at various stores and took advantage of an opportunity to be a mortgage processor in 2016 through a family connection. Since then, I have closed thousands of files from start to finish focusing on the behind the scenes work (appraisals, tilework, home insurance, and loan conditions) for over five years. Once I understood the whole process the only missing piece was sales. I emphasize kindness and understanding in everything I do — so working with others to achieve a common goal of closing their purchase and refinance transactions comes naturally. I was able to close my first three transactions in consecutive days in June of 2021. At this point I knew I was capable of success and am so excited to grow! Why I do what I do. I have been challenged with maintaining a work-life balance, while making sure our clients are the top priority. I want our clients to feel like their loan is the only loan in our pipeline. This is the reason I decided to start my own company, I focus 100% on my client’s mortgage experience. Sometimes less really is more, I would rather do fewer transactions with higher quality versus overwhelming volume and doing a sub-par job. This is exactly why I came up with Iris Mortgage LLC - a low cost, client focused mortgage experience! So here I am, a 29 year old CEO of my very own mortgage brokerage and so excited to share my knowledge, passion, and work ethic with all of my clients, realtors, and third parties services I encounter. Even though I do not have the budget of the big mortgage companies, I have less overhead, which yields lower rates and cost to my clients compared to the competition. So if you love shopping, supporting small business, and want to be treated with kindness - I am YOUR best mortgage option.</image:caption>
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  <url>
    <loc>https://www.irismortgage.com/realtors</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-25</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1634236108517-G6E4MX13ZV55ODG29SH5/brochure_0.jpg</image:loc>
      <image:title>Realtors</image:title>
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      <image:title>Realtors</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1634236153588-1CBQF7OSFZ8H6RE1ZZ1Y/brochure_2.jpg</image:loc>
      <image:title>Realtors</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1634236206065-YIS2JQ5PXHHY5C5WK7VV/brochure_3.jpg</image:loc>
      <image:title>Realtors</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1634236221483-B5R3FBVQINJC8LF1I2RU/brochure_4.jpg</image:loc>
      <image:title>Realtors</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1634236819879-8Q850TXC733APMT6NSJ5/Untitled+Design.jpg</image:loc>
      <image:title>Realtors</image:title>
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  </url>
  <url>
    <loc>https://www.irismortgage.com/quote</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-25</lastmod>
  </url>
  <url>
    <loc>https://www.irismortgage.com/clarkpark</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-25</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1645495297985-EXMDMGSWBH3XCP9AH5DM/kat.png</image:loc>
      <image:title>Champagne Showcase at Clark Park, Detroit</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1645495325264-K24Y14HHBVVCQZXREF71/chris.png</image:loc>
      <image:title>Champagne Showcase at Clark Park, Detroit</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1645495440053-1QR6HFRNWPBI2VWO1AE3/zach.png</image:loc>
      <image:title>Champagne Showcase at Clark Park, Detroit</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1f4ef0c8-d5df-483b-94f2-e792fb2e6693/Champagne+Showcase+IG+Story+%281%29.jpg</image:loc>
      <image:title>Champagne Showcase at Clark Park, Detroit - Local Event.</image:title>
      <image:caption>Enjoy a four team hockey tournament with a family open skate in between, with friends, food, and family fun. 1:00 pm - financial showdown between Iris Mortgage and Bowline Financial 2:00 pm - boozy late lunch between Iron Fish and Champagne Athletics 3:00 pm - open skate for all attendees with plenty of photo opportunities at the outdoor rink. Don’t forget your skates with plenty of hockey helpers for beginners and advanced skaters. 4:00 pm the championship game! Food vendors serving up tacos and dogs all day long! All in support of the Clark Park Coalition.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/e6943f5e-9b5d-4332-b920-9ab65423c970/clark+park+detroit.jpg</image:loc>
      <image:title>Champagne Showcase at Clark Park, Detroit - Local Charity.</image:title>
      <image:caption>Clark Park Coalition exists to provide an array of diverse, high-quality recreational, educational, social and mentoring programs for southwest Detroit families promoting skills development which helps our youth grow into responsible, self-confident adults. They offer learn to skate, community open skates, and equipment and coaching to youth players. Please visit their website via the donation link below and consider investing in our community!</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/c68a611d-23b6-4249-af7a-08a4bb3cff3d/Champagne+Showcase+Final.png</image:loc>
      <image:title>Champagne Showcase at Clark Park, Detroit - Local Business.</image:title>
      <image:caption>Each company participant is donating to Clark Park Coalition and we hope to raise $5,000+ to give back to our community and the sport of hockey which we all love through company donations and attendee donations. Bowline Financial - Michigan based financial planning and investment management firm represented by John Herbert. Iris Mortgage - Michigan based residential mortgage broker, represented by Chris Thomas. Iron Fish Distillery - Michigan based and first farm distillery represented by Troy Anderson Champagne Athletics - Michigan based sports social media and blog represented by Frank Sorise</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/18cae72a-6843-4a9c-92a9-f0901734a53d/Diamond_Dogs__50140.png</image:loc>
      <image:title>Champagne Showcase at Clark Park, Detroit - Local Food.</image:title>
      <image:caption>Enjoy food, beverages, and fun. Here are our featured food vendors. Los Dos Amigos - Michigan based taco truck. One of the original taco trucks in the Detroit area. People come for the great food, greater service, and the greatest prices! Diamond’s Dogs Detroit - Michigan based hot dog vendor Diamond Chapman. You can normally find Diamond Chapman dressing up hot dogs with chili or cheese or grilled onions at her Diamond Dogs stand at the corner of Gratiot and Russell, just outside of Eastern Market (pictured).</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.irismortgage.com/remission</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-25</lastmod>
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      <image:title>Remission</image:title>
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      <image:title>Remission</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1630596329374-N9AP8D38H75B1PIS3639/CT+headshot+circle+purple+background.jpg</image:loc>
      <image:title>Remission</image:title>
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  </url>
  <url>
    <loc>https://www.irismortgage.com/eev</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-03-25</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1629314543497-6B0DVMWTO0ZBKZDNMOT4/20%2BBest%2BProductivity%2BApps_0.jpg</image:loc>
      <image:title>East English Village</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1629314556611-K4V06MJNXIROC2YHO1NB/20+Best+Productivity+Apps_1.png</image:loc>
      <image:title>East English Village</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/1629314753349-WUKD734K06KN51ZURFHW/20+Best+Productivity+Apps+%281%29.png</image:loc>
      <image:title>East English Village</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/5f125770-fe73-4f6c-9459-38e7b7f53c2f/EEV+1.JPG</image:loc>
      <image:title>East English Village - Community</image:title>
      <image:caption>With many amenities – quick access to downtown Detroit and neighboring cities, good shopping choices, public/private schools and an active, engaged community – the neighborhood is an excellent choice for families and individual homeowners. The neighborhood association hosts activities including contests, home tours, garden club, annual garage sale and a holiday party. Established residents and new neighbors meet monthly to discuss issues, successes and general neighborhood information. The mutual support of neighbors and feeling of community is the heart of our neighborhood.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/61142d5ddb962740a7813d54/5b091134-2bec-4105-b509-3457e734e010/Cadieux+Cafe.jpg</image:loc>
      <image:title>East English Village - Unique, Beautifully Crafted Homes</image:title>
      <image:caption>First developed in 1913, most of the distinctive brick homes of East English Village were built in the early 1930s through 1950. The solid architecture and high quality materials used in the homes continues to attract residents who value the charm and character of older homes. Most of the lots in our neighborhood were developed in the boom years of the 1920s, and most homes were built in the following years by skilled and creative craftsmen from all over the world, that the city and its new auto industry had attracted.</image:caption>
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      <image:title>East English Village</image:title>
      <image:caption>CONSTRUCTION BEGAN TO TAKE OFF IN 1928, BUT CEASED BY 1950 By 1925, most of the area had been subdivided into residential parcels.  The actual construction of the homes did not really begin to boom until 1928, with much of the building taking place in the early 1930s.  The owners, not the developers, hired builders; this turned the new homeowners into designers and enabled them to custom order their homes.  This accounts for the unique characteristics of each home. The people who came to build their homes in this area were mostly professionals. The area known as East English Village attracts police officers, civil servants, doctors, lawyers, and businessmen.  Residents of many different ethnic groups have added to the diversity of our community. The number of families in the neighborhood settled to approximately 2100, and most homes only changed hands a few times. Many residents who have lived their entire lives in our community.</image:caption>
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  </url>
  <url>
    <loc>https://www.irismortgage.com/uaw</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-11</lastmod>
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