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    <loc>https://www.homeownershipmn.org/theissues</loc>
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    <lastmod>2020-12-16</lastmod>
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  <url>
    <loc>https://www.homeownershipmn.org/theissues/thebrokensystem</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-12-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607537311292-BS91Y5GT2SQX6KGYA20R/StarterHomes.jpg</image:loc>
      <image:title>The Issues - The Broken System</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607537308594-O76ECEUOI3KP95L7XSNV/HomeonershipGap.jpg</image:loc>
      <image:title>The Issues - The Broken System</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607537310568-C4JY46NZPB0RR48MJEVC/LandSupply.jpg</image:loc>
      <image:title>The Issues - The Broken System</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607537308185-2LCDM2DV6EONJNBZWDB9/HomeInventory.jpg</image:loc>
      <image:title>The Issues - The Broken System</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1606850542319-X44ACAJJ3LOUYSOCJMAF/10055644.640x640.jpg</image:loc>
      <image:title>The Issues - The Broken System - Zoning Roadblocks</image:title>
      <image:caption>Zoning is the necessary power granted to a City to plan for safe and sensible uses of land. However, cities have historically used zoning to intentionally exclude communities of color or people in certain economic classes from living in certain areas. Sadly, this exclusion exists today, albeit in different forms. Many cities require that all new homes be built on large lots, with large homes, and with large garages — and some with stone exteriors and fancy landscaping. This may make for posh, designer cities, but it makes homes so expensive that many Minnesotans are priced out. Image: 1972 | Zoning map, city of Willmar | Minnesota Historical Society | Willmar (Minn.), Public Works, Engineering</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607114798513-5VCK2090KWWIZJBVE5HR/stormwater.jpg</image:loc>
      <image:title>The Issues - The Broken System - Duplicative Protections</image:title>
      <image:caption>We all agreed 50 years ago that it is a good idea to protect wetlands from potential erosion when homes are being constructed. But, instead of finding an efficient way to keep wetlands safe, many different government agencies all attempt to do this independently of one another. They disagree with each other, and require their own permits and engineering plans. The result? Our water protection costs are triple the costs in places like Illinois and Wisconsin creating an unnecessary roadblock.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theissues/starterhomesareillegaltoday</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-12-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607537757285-WH1EISX56U7TPZGHVETP/BrokenSystem.jpg</image:loc>
      <image:title>The Issues - Starter Homes Are Illegal Today</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607537757994-XFADHYWZEEZYJ7UYBWKB/HomeonershipGap.jpg</image:loc>
      <image:title>The Issues - Starter Homes Are Illegal Today</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607537759614-7XNPQ00WDUU6YTERI6TB/LandSupply.jpg</image:loc>
      <image:title>The Issues - Starter Homes Are Illegal Today</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607537756440-MCO4C87ALZN3LTBB9BJX/HomeInventory.jpg</image:loc>
      <image:title>The Issues - Starter Homes Are Illegal Today</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607024834989-481FDV2E0N0PETBAPX00/Semler+Homes-135-Exterior.jpg</image:loc>
      <image:title>The Issues - Starter Homes Are Illegal Today</image:title>
      <image:caption>Home by Semler Construction, Inc. | Isanti, MN | #135 on the 2020 Fall Parade Homes</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theissues/thehomeownershipgap</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-12-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607537932263-ZS412TTEQ8HPRAY49NRP/BrokenSystem.jpg</image:loc>
      <image:title>The Issues - The Homeownership Gap</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607537935279-GR2HQZ5HF18OAXVMKH4L/StarterHomes.jpg</image:loc>
      <image:title>The Issues - The Homeownership Gap</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607537934149-JP4ZY2PDN3IY28J4PRMA/LandSupply.jpg</image:loc>
      <image:title>The Issues - The Homeownership Gap</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607537931487-S8TL2CYOHOUI73WM1X3W/HomeInventory.jpg</image:loc>
      <image:title>The Issues - The Homeownership Gap</image:title>
      <image:caption />
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theissues/landsupply</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-12-15</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607112214386-H02IY8U4O56KIZGS5ETN/Pricedout.jpg</image:loc>
      <image:title>The Issues - Land Supply</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607538069128-UZ9HB5TQAL6JGDH879EE/BrokenSystem.jpg</image:loc>
      <image:title>The Issues - Land Supply</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607538074285-LKZRCI11QG38XNQ1R58I/StarterHomes.jpg</image:loc>
      <image:title>The Issues - Land Supply</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607538070875-37GXX7ACO4WHAK7NQUB5/HomeonershipGap.jpg</image:loc>
      <image:title>The Issues - Land Supply</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607538068916-7KGE2KFVB33ST5U11LPG/HomeInventory.jpg</image:loc>
      <image:title>The Issues - Land Supply</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607110799398-IB6YYXJEVW3I1MWM1D5R/ResearchPaper_HAI18_v9-24.jpg</image:loc>
      <image:title>The Issues - Land Supply</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theissues/homeinventory</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-12-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607109709457-GPJONUVOMI109G6OSVD7/MNRealtors_InventoryofHomesforSale.png</image:loc>
      <image:title>The Issues - Home Inventory</image:title>
      <image:caption>Source: Minnesota Realtors®</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607538205742-E1T1IUWY3WWT0I6AEIX5/BrokenSystem.jpg</image:loc>
      <image:title>The Issues - Home Inventory</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607538210675-FW4DXN0ONAOMK8FE1H37/StarterHomes.jpg</image:loc>
      <image:title>The Issues - Home Inventory</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607538209035-GV4C6AASHVWPCAWRRDYN/HomeonershipGap.jpg</image:loc>
      <image:title>The Issues - Home Inventory</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607538208967-OKPRSSS83NM5JNQWWCZT/LandSupply.jpg</image:loc>
      <image:title>The Issues - Home Inventory</image:title>
      <image:caption />
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607109681163-DXXLH72MG0UR9KF6JPUG/MinneapolisAreaRealtors+-+Inventory+Data.png</image:loc>
      <image:title>The Issues - Home Inventory</image:title>
      <image:caption>Source: Minneapolis Area REALTORS®</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-10-25</lastmod>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/minnesotalegislature</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-01-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1611961516170-R742LJUCORN78O3YGJF3/Capitol_Blog.jpg</image:loc>
      <image:title>The Blog - Minnesota Legislature forms new housing committees.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/allthefeels</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-01-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1611961014045-5WZYJQGI2I0Y0CV9POO8/Story1.jpg</image:loc>
      <image:title>The Blog - Homeownership gives us all the feels.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/spring-parade-of-homes-celebrates-homeownership</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-06-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1611961266995-F9WF08QOH52P01OFJHV3/POH_Blog.jpg</image:loc>
      <image:title>The Blog - Spring Parade of Homes Celebrates Homeownership</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/millennial-homeownership-climbs-but-still-lags-behind-previous-generations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-04-02</lastmod>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/racial-homeownership-gap-grows-in-the-twin-cities</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-06-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1624998735881-EM245TFZY97E0B5PGPVY/iStock-172330560.jpg</image:loc>
      <image:title>The Blog - Racial Homeownership Gap Grows in Minneapolis and St. Paul - Make it stand out</image:title>
      <image:caption>Black homeownership in Minneapolis and St. Paul has fallen by 32% over the past two decades.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/housing-bills-at-the-capitol-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-04-02</lastmod>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/where-have-all-the-starter-homes-gone</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-07-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1626900285019-LJIS157M0SMEWP1E44SH/Screen+Shot+2021-07-21+at+3.44.15+PM.png</image:loc>
      <image:title>The Blog - Where Have All the Starter Homes Gone? - Make it stand out</image:title>
      <image:caption>Source: Minneapolis Area REALTORS</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1626900611005-XDRUQYSYQS5AOD1PD05Q/5U0A8710+copy.JPG</image:loc>
      <image:title>The Blog - Where Have All the Starter Homes Gone? - Make it stand out</image:title>
      <image:caption>The substantial long-term lack of newly built entry-level homes being introduced into the markets is growing faster than the overall supply problem.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1626899548480-5RJK8PDMMIX5XYGE0ANW/202105-note-housing_supply-ex02.jpg</image:loc>
      <image:title>The Blog - Where Have All the Starter Homes Gone? - Make it stand out</image:title>
      <image:caption>Source: Freddie Mac</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-09-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1631645856696-GT07MEMPD1ZLBGW4XESB/ElkinsPresser.jpg</image:loc>
      <image:title>The Blog - Legislation Introduced to Help Build More Entry Level Housing in Minnesota - Make it stand out</image:title>
      <image:caption>Rep. Steve Elkins Introduced the Housing Affordability Act during a press conference in Aug. 2021.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/housing-experts-agree-we-need-policy-reform-to-create-more-homes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-11-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/27325eab-9ed8-4479-a94c-6a962fe1fec2/Realtors1.jpg</image:loc>
      <image:title>The Blog - Housing Experts Agree, We Need Policy Reform to Create More Homes - Make it stand out</image:title>
      <image:caption>David Arbit, economist for the Minneapolis Realtors ® shares a chart showing the massive decline of active listings in the Twin Cities for under $250,000.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/c02c5dd6-0852-459c-bd07-1493dd940147/FedReserve.jpg</image:loc>
      <image:title>The Blog - Housing Experts Agree, We Need Policy Reform to Create More Homes - Make it stand out</image:title>
      <image:caption>A chart shared by Libby Starling of the Minneapolis Federal Reserve shows the inadequate building of new housing in the Twin Cities.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/cce0c6c1-c34b-4d30-a88d-a658b1559ede/18-028A9405+copy.JPG</image:loc>
      <image:title>The Blog - Housing Experts Agree, We Need Policy Reform to Create More Homes - 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/v1/5f9af0d1f564da0b334ec92e/5501e463-6ef4-4080-8437-75fd993cd802/Zillow1.jpg</image:loc>
      <image:title>The Blog - Housing Experts Agree, We Need Policy Reform to Create More Homes - Make it stand out</image:title>
      <image:caption>Zillow Research shows that the Minneapolis-St. Paul region has the largest homeownership gap in the nation.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/9280a4ef-145d-46ba-b6f9-0b5145814bd5/ZOnda1.jpg</image:loc>
      <image:title>The Blog - Housing Experts Agree, We Need Policy Reform to Create More Homes - Make it stand out</image:title>
      <image:caption>Zonda specializes in new home construction data. This chart shows over the past year more and more new construction is being built at the higher price points.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/rising-rates-push-homeownership-further-out-of-reach-for-many</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/951e9d3f-7c48-403c-89da-3c228b580a0c/homesales112013.jpg</image:loc>
      <image:title>The Blog - Rising Rates Push Homeownership Further Out of Reach for Many - Make it stand out</image:title>
      <image:caption>For the first week of May a 30-year fixed-rate mortgage sat at an average 5.27 percent rate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/rising-home-prices-and-rates-push-affordability-to-18-year-low</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/4a87869f-3dbb-4ccb-b881-3a52e7110d03/April-2022-New-Listing-and-Sales-Activity-768x555.png</image:loc>
      <image:title>The Blog - Affordability Hits 18 Year Low as Home Prices and Rate Rise - 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/v1/5f9af0d1f564da0b334ec92e/7c2a9366-9d4c-4626-b1a5-3921cbc970ee/49.jpg</image:loc>
      <image:title>The Blog - Affordability Hits 18 Year Low as Home Prices and Rate Rise - Make it stand out</image:title>
      <image:caption>The median home price in the Twin Cities rose 10.0 percent to reach a new record of $370,000 in April.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/legislative-session-ends-with-little-progress-on-housing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/2778b691-edc4-4a7c-87c6-08e6bfb0ce31/Picture1-726x400.jpg</image:loc>
      <image:title>The Blog - Legislative Session Ends With Little Progress on Housing - Make it stand out</image:title>
      <image:caption>With no agreement in place at the end of session, housing legislative language and proposals that had been in play in the Housing Omnibus Bill, were left behind.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/minnesotas-housing-market-discouraging-homebuyers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/c1055d87-9a7a-488f-a397-f1f88452669e/Kristen+%2B+Bryan.jpg</image:loc>
      <image:title>The Blog - Real Stories from First-Time Homebuyers in Minnesota’s Discouraging Housing Market - Make it stand out</image:title>
      <image:caption>Bryan + Kristen in front of their new home</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/71ff2059-5536-4acc-b20e-9b3d19c20b60/Cassanndra%2B%2B%2BGreg.jpeg</image:loc>
      <image:title>The Blog - Real Stories from First-Time Homebuyers in Minnesota’s Discouraging Housing Market - 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/v1/5f9af0d1f564da0b334ec92e/f4c29879-c0db-4236-8f4d-510eb5efc77b/Cassanndra+%2B+Greg.jpg</image:loc>
      <image:title>The Blog - Real Stories from First-Time Homebuyers in Minnesota’s Discouraging Housing Market - Make it stand out</image:title>
      <image:caption>Cassandra + Greg in front of their new home</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/homeownership-just-got-more-out-of-reach-for-many-minnesotans</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/127aabc0-a8cb-4acc-9a03-59a90c136adf/16.jpg</image:loc>
      <image:title>The Blog - Homeownership Just Got More Out of Reach for Many Minnesotans - 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.homeownershipmn.org/theblog/twin-cities-median-home-price-hits-new-high-in-june</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-08-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/6ce505c0-742e-46c2-ab2a-f598db46c675/19-5U0A2791.png</image:loc>
      <image:title>The Blog - Twin Cities Median Home Price Hits New High in June - 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.homeownershipmn.org/theblog/the-history-of-homeownership-in-minnesota</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-15</lastmod>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/vote-pro-housing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-10-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/9995bffc-9746-4d3e-9ccd-e289a0b7cf8a/iStock-1388632328.jpg</image:loc>
      <image:title>The Blog - This November, Vote Pro-Housing - 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.homeownershipmn.org/theblog/tag/Elections</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/tag/Vote</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/tag/Candidates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/tag/Legislation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/tag/Politics</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/theblog/tag/Housing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2021-07-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1606863389185-6DNEE9I6G7PUJIVJ3QV3/10355610.640x640.jpg</image:loc>
      <image:title>Homeownership is all of it - How did we get here?</image:title>
      <image:caption>See the history of Minnesota’s housing market.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1606860116206-8FFC0VPT0X4V80WPJUP7/Sarah%2BMo_028A9109-2.jpg</image:loc>
      <image:title>Homeownership is all of it - “When you are in your own home you feel happy, you feel comfort.”</image:title>
      <image:caption>Sarah &amp; Mo</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/thestories</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-04-06</lastmod>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/thesolutions</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-12-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1608073777812-OS6WAI6S5RPQ4JAXB3RD/Solutions_0003_istockphoto-1181134074-2048x2048.jpg</image:loc>
      <image:title>The Solutions - Reimagine the system.</image:title>
      <image:caption>A healthy housing market with choices at all price points A healthy housing market offers choices for homebuyers at all price points. Today in Minnesota, that isn’t the case. Minnesota lacks an adequate supply of starter homes and is missing much of the middle market. This happened in large part because our system of housing — our requirements, our process to approve projects, our approach to communities — doesn’t allow for starter homes and choices in the middle market. To bring the opportunity of homeownership to everyone, everywhere, we need a new, reimagined system. One that invites housing options for all Minnesotans. This includes: Innovative processes to approve projects Zoning changes to allow for starter homes to be built Rules and regulations that balance protections and homeownership opportunities</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607014971961-7CSQKNW9YV8IJ6LYQZCR/Solutions_0001_pexels-rodolfo-quiro%CC%81s-2219024.jpg</image:loc>
      <image:title>The Solutions - Build, build, build.</image:title>
      <image:caption>At the center of the housing issues impacting Minnesotans today is the lack of housing options at affordable price points This issue has been building for decades and has reached the crisis point. The only solution to this problem is to lift roadblocks and build, build, build starter homes. Ensure adequate land is made available for new home growth Lift zoning roadblocks that limit new home construction Modernize building codes</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607014946260-GJA2XV0UI2OP7N7AD67E/Solutions_0002_Stocksy_txp3845a8dabTu200_OriginalDelivery_2796054.jpg</image:loc>
      <image:title>The Solutions - Close the gap.</image:title>
      <image:caption>The opportunity for homeownership for everyone, everywhere Minnesota’s shameful history of exclusionary and discriminatory housing practices has had profound impacts on the lives of many Minnesotans. Closing the gap will take a commitment from elected officials, business leaders, and the community at large: Lift zoning roadblocks that drive up housing costs Support education and lending programs</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607014999005-723HZOEF6ZAYQGH12I48/Solutions_0000_pexels-cottonbro-4569340.jpg</image:loc>
      <image:title>The Solutions - Legalize starter homes.</image:title>
      <image:caption>Homeowners, not governments, should choose home sizes For decades Minnesotans could rely on a healthy supply of starter homes in communities across the state. In the 1980s, many Minnesota communities began to require large homes, on large lots with large garages. This may have created designer communities, but it has become a road block for many Minnesotans looking to buy a home. We believe that Minnesotans should choose how big their home and garage should be, not local governments.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/thehistory</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607529697827-MUWYEHKP2RXM2N6XP9OH/pf010919.jpg</image:loc>
      <image:title>The History</image:title>
      <image:caption>1926 | Home construction Minnesota Historical Society | Kammerdiener, J.H.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/322ea6b5-1fcd-4802-9780-f7c40d56c492/historicalphotos17.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/2d63334d-2a51-4e9e-8a06-d1655f9a897f/pricedout.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/f9c0ee18-a551-4cb0-9ba3-b72ee5161907/historicalphotos6.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/1c0c2bbb-de29-4fd3-b463-358e1860594b/historicalphotos9.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/bf3cab51-e8bb-43b9-9885-1378bbeab977/historicalphotos15.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/5bdcb369-5ee8-406b-80fe-02b6dbfc34ca/historicalphotos11.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/d9baced1-c513-4af5-882f-dc1f056100c6/historicalphotos4.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/f6d2f355-32ba-46c9-adeb-2b26f8039eba/historicalphotos8.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/40db6b2c-8915-406d-8033-2ee2ba685793/historicalphotos-1-3.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/62ddefe8-62fa-421f-91d6-3ecce086403b/historicalphotos-1-2.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/0772e63e-65cf-4ae1-845b-34fcee241a3c/historicalphotos5.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/11fc932d-c457-408a-ada5-5b593ec639ce/historicalphotos-1-.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/b0b4673c-ff7f-4faf-8668-9e6e66349970/historicalphotos14.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/f367bfdd-d0f4-4f2d-906f-c06cbff4e331/historicalphotos7.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/4301b36f-6663-4bd2-a39b-83ed7db546c4/historicalphotos3.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/c734a9ed-7a0b-4f85-b71f-13f81edb81a4/historicalphotos12.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/a9d3729a-b071-4279-be4d-50cda58f2325/historicalphotos10.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/86cb4bb8-1aae-4901-9175-319f911b4209/historicalphotos13.jpg</image:loc>
      <image:title>The History - 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/v1/5f9af0d1f564da0b334ec92e/8b84427e-067b-4c6a-81de-a18dddbf4752/historicalphotos2.jpg</image:loc>
      <image:title>The History - 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.homeownershipmn.org/takeaction</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-12-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607616312767-7HE0BZAWGCTK1DU796ZG/TakeAction_0002_Betty.jpg</image:loc>
      <image:title>Take Action</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607616389024-XFA1OQNZZ2B9W5LO52I6/TakeAction.png</image:loc>
      <image:title>Take Action</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1608067146731-U3TQ30M0EYYZMOQSRGLF/Untitled-1_0000_iStock-1219980553.jpg</image:loc>
      <image:title>Take Action</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607616277953-YSQGO33MND3MOBQ2K0AW/TakeAction_0001_iStock-1198252560.jpg</image:loc>
      <image:title>Take Action</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.homeownershipmn.org/the-history-ed_copy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-03-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9af0d1f564da0b334ec92e/1607529697827-MUWYEHKP2RXM2N6XP9OH/pf010919.jpg</image:loc>
      <image:title>The History (old/broken)</image:title>
      <image:caption>1926 | Home construction Minnesota Historical Society | Kammerdiener, J.H.</image:caption>
    </image:image>
  </url>
</urlset>

