<?xml version="1.0" encoding="utf-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://www.ohioce.net/</loc>
		<lastmod>2023-03-09</lastmod>
		<changefreq>monthly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/sitemap</loc>
		<lastmod>2022-09-15</lastmod>
		<changefreq>monthly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/twilio</loc>
		<lastmod>2022-09-18</lastmod>
		<changefreq>monthly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/education-center</loc>
		<lastmod>2020-10-21</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/contact/</loc>
		<lastmod>2020-10-21</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/latest-news</loc>
		<lastmod>2020-10-21</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/about-khash-saghafi</loc>
		<lastmod>2020-10-21</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/privacy-policy</loc>
		<lastmod>2024-12-04</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/</loc>
		<lastmod>2026-04-01</lastmod>
		<changefreq>always</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/civil-rights-26754</loc>
		<lastmod>2020-07-15</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/appraisals-and-determine-value-26755</loc>
		<lastmod>2020-07-16</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/rise-of-the-machines-27791</loc>
		<lastmod>2020-07-27</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/trid-27800</loc>
		<lastmod>2020-07-16</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/why-self-employed-people-have-a-hard-time-qualifying-27801</loc>
		<lastmod>2020-07-16</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/credit-scores-and-mortgages-27802</loc>
		<lastmod>2020-07-16</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/how-mortgages-are-made-27803</loc>
		<lastmod>2020-07-16</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/civil-rights-1-33662</loc>
		<lastmod>2020-10-05</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/core-law-33663</loc>
		<lastmod>2020-10-05</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/core-ethics-33664</loc>
		<lastmod>2020-10-05</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/the-2021-real-estate-and-economic-outlook-38468</loc>
		<lastmod>2020-11-17</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/bankruptcy-the-good-the-bad-the-ugly-38473</loc>
		<lastmod>2021-02-16</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/what-goes-into-a-pre-approval-44546</loc>
		<lastmod>2021-02-15</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/laws-that-everyone-needs-to-know-44549</loc>
		<lastmod>2021-04-12</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/fha-lending-guidelines-44550</loc>
		<lastmod>2021-04-12</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/appraisals-and-determining-value-52203</loc>
		<lastmod>2021-05-27</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/civil-rights-2-52204</loc>
		<lastmod>2021-06-29</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/why-delays-happen-52205</loc>
		<lastmod>2021-08-09</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/credit-scores-and-mortgages-1-52209</loc>
		<lastmod>2021-08-31</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/spooky-things-which-can-bury-deals-52212</loc>
		<lastmod>2021-10-06</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/how-mortgages-are-made-1-52213</loc>
		<lastmod>2021-11-03</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/ethics-104092</loc>
		<lastmod>2021-10-29</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/the-2022-real-estate-and-economic-outlook-128256</loc>
		<lastmod>2022-01-24</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/how-to-determine-which-offer-is-the-best-offer-147570</loc>
		<lastmod>2022-02-03</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/why-are-we-hearing-about-this-now-147571</loc>
		<lastmod>2022-02-03</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/how-is-the-appraised-value-arrived-at-147572</loc>
		<lastmod>2022-03-03</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/how-a-mortgage-loan-goes-from-start-to-finish-148951</loc>
		<lastmod>2022-05-23</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/what-is-desktop-underwriter-and-why-is-it-important-for-mortgage-lending-148982</loc>
		<lastmod>2022-05-23</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/laws-which-everyone-needs-to-know-195427</loc>
		<lastmod>2022-07-14</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/civil-rights-3-203151</loc>
		<lastmod>2022-08-10</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/can-i-talk-to-the-appraiser-204328</loc>
		<lastmod>2022-09-08</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/credit-scoring-204331</loc>
		<lastmod>2022-09-26</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/misunderstanding-which-exist-between-the-mortgage-and-real-estate-industries-205069</loc>
		<lastmod>2022-11-02</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/va-fha-and-conventional-appraisals-is-there-a-difference-206407</loc>
		<lastmod>2022-10-20</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/the-2023-real-estate-and-economic-outlook-207976</loc>
		<lastmod>2023-01-06</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/bankruptcy-the-good-the-bad-and-the-ugly-207994</loc>
		<lastmod>2023-02-01</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/stopping-problems-before-they-become-problems-212088</loc>
		<lastmod>2023-03-03</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/trid-all-that-you-need-to-know-212093</loc>
		<lastmod>2023-04-06</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/all-that-you-need-to-know-about-appraisals-215224</loc>
		<lastmod>2023-04-27</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/things-to-pay-attention-to-when-getting-a-mortgage-on-a-condominium-225962</loc>
		<lastmod>2023-05-16</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/key-positions-processes-and-procedures-to-know-in-the-mortgage-industry-230165</loc>
		<lastmod>2023-06-27</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/civil-rights-fair-housing-250767</loc>
		<lastmod>2023-08-03</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/what-are-the-steps-in-the-mortgage-process-264040</loc>
		<lastmod>2023-09-13</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/spooky-things-that-can-bury-deals-264224</loc>
		<lastmod>2023-08-09</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/a-thanksgiving-feast-of-options-264245</loc>
		<lastmod>2023-08-08</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/frostys-finances-understanding-tax-returns-self-employment-and-mortgages-264246</loc>
		<lastmod>2023-10-25</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/the-2024-real-estate-and-economic-outlook-327229</loc>
		<lastmod>2023-12-29</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/is-pmi-good-or-bad-327259</loc>
		<lastmod>2024-01-08</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/the-billion-dollar-nar-lawsuit-(burnett-v-nar-et-al)-everything-you-need-to-know-340258</loc>
		<lastmod>2024-01-16</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/the-appraisal-process-and-determining-property-value-in-2024-375889</loc>
		<lastmod>2024-02-28</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/structuring-buyer-broker-commissions-closing-cost-and-mortgage-financing-following-burnett-vs-nar-lawsuit-402562</loc>
		<lastmod>2024-03-22</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/the-3-things-it-takes-to-qualify-for-a-mortgage-loan-402563</loc>
		<lastmod>2024-06-05</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/buyer-broker-agreements-and-mortgage-lending-what-everyone-needs-to-know-435836</loc>
		<lastmod>2024-07-10</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/civil-rights-fair-housing-1-435837</loc>
		<lastmod>2024-07-31</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/credit-scoring-fixing-credit-and-mortgages-435838</loc>
		<lastmod>2024-09-11</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/13-spooky-mortgage-issues-that-can-cause-halloween-nightmares-on-a-purchase-435839</loc>
		<lastmod>2024-10-10</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/buyer-broker-compensation-its-all-about-the-net-501470</loc>
		<lastmod>2024-09-30</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/core-ethics-2024-513245</loc>
		<lastmod>2024-11-21</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/the-2025-real-estate-and-economic-outlook-516153</loc>
		<lastmod>2024-12-31</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/bankruptcy-the-good-the-bad-and-the-ugly-1-518215</loc>
		<lastmod>2025-01-20</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/why-lenders-miss-closing-dates-542003</loc>
		<lastmod>2025-03-10</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/appraisals-and-the-mortgage-industry-what-real-estate-agents-need-to-know-542004</loc>
		<lastmod>2025-04-03</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/16-trigger-words-which-should-terrify-all-real-estate-agents-542005</loc>
		<lastmod>2025-04-30</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/why-do-self-employed-people-have-a-hard-time-getting-a-mortgage-568544</loc>
		<lastmod>2025-06-16</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/five-pillars-of-a-solid-pre-approval-569938</loc>
		<lastmod>2025-07-02</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/civil-rights-fair-housing-2025-569939</loc>
		<lastmod>2025-08-12</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/why-agents-need-to-know-how-mortgages-are-made-582069</loc>
		<lastmod>2025-09-11</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/scary-home-repairs-that-can-lead-to-delays-that-can-lead-to-lawsuits-587902</loc>
		<lastmod>2025-08-18</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/summary-of-the-major-appraisal-changes-coming-in-2026-591311</loc>
		<lastmod>2025-09-30</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/real-estate-agent-safety-a-brief-field-awareness-guide-for-personal-safety-591312</loc>
		<lastmod>2025-09-30</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/the-2026-real-estate-and-economic-outlook-592879</loc>
		<lastmod>2025-12-15</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/the-quality-of-a-pre-approval-is-about-to-get-worse-in-2026-why-595714</loc>
		<lastmod>2026-02-03</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/core-law-2026-596324</loc>
		<lastmod>2026-03-05</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/identifying-red-flags-before-they-become-red-flags-597651</loc>
		<lastmod>2026-04-01</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/how-to-dispute-an-appraisal-597652</loc>
		<lastmod>2026-03-13</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/marketing-advertising-and-the-law-597653</loc>
		<lastmod>2026-03-05</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/why-every-real-estate-agent-must-know-what-the-condo-questionnaire-is-597654</loc>
		<lastmod>2026-03-03</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/mortgage-programs-for-self-employed-borrowers-597655</loc>
		<lastmod>2026-03-03</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/fha-vs-conventional-loans-which-is-better-597656</loc>
		<lastmod>2026-03-17</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/50-scary-things-that-buyers-do-which-cause-issues-on-loans-before-closing-597657</loc>
		<lastmod>2026-03-03</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/the-new-appraisal-forms-which-begin-in-november-2026-597666</loc>
		<lastmod>2026-03-03</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/seminars/real-estate-agent-safety-597667</loc>
		<lastmod>2026-01-08</lastmod>
		<changefreq>weekly</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/location/</loc>
		<lastmod>2018-06-15</lastmod>
		<changefreq>always</changefreq>
	</url>
	<url>
		<loc>https://www.ohioce.net/location/amst-headquarters-11716</loc>
		<lastmod>2018-06-15</lastmod>
		<changefreq>weekly</changefreq>
	</url>
</urlset>